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Harrison Lilly Team

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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9860 S Thomas Dr Unit 508 , Panama City, FL 32408
$369,900
Est. Payment: $2,043.64/mo
3 Bed
2 Bath
1262 Sqft
Status: Active | Days on site: 50
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Harrison Lilly Team
Owner/Operator

House Description

Experience the best of coastal living with this Gulf-side condo at Laketown Wharf, offering a front-row seat to some of the most incredible Florida sunsets. This spacious 3-bedroom, 2-bathroom residence features a thoughtfully designed floor plan that truly feels like home. A new HVAC was just installed in June 2026. Inside, the open-concept layout creates a seamless flow between the kitchen and living areas--perfect for relaxing or entertaining. The kitchen is well-appointed with granite countertops, stainless steel appliances, and ample space for gathering. The living room has been updated with luxury vinyl plank flooring, adding both style and durability, while the in-unit washer and dryer provide everyday convenience. The Gulf-front primary suite serves as a private retreat, complete with direct balcony access and a spacious en-suite bathroom featuring a double vanity, large soaking tub, and a walk-in shower. Step outside to your expansive private balcony, where you can unwind and take in breathtaking views of the Gulf--an ideal setting for morning coffee or evening sunsets. Laketown Wharf offers an unmatched resort-style experience with an impressive list of amenities, including: Five unique pools, including a rooftop pool and Gulf-view zero-entry pool, Direct gated beach access, Famous nightly fountain show, On-site dining, buffet, and bars, Fitness center, Covered parking. The monthly HOA covers cable TV, WiFi, insurance, security, and all resort amenities, making ownership both convenient and stress-free. Whether you're searching for a primary residence, vacation getaway, or income-producing investment, this Gulf-side condo offers the perfect blend of location, lifestyle, and value.

Highlights

Listed by The Jarrett Group , 850-279-5911 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

Year Built

2008

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Laketown Wharf

Listing ID

789951

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Range
Air Cond:Central Air
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Soaking Tub, Separate Shower, Walk-In Closet(s), Home Theater

Exterior Features

Lot Dimensions:0x0
Zoning:Resid Multi-Family
Sewer:Public Sewer
Principal Interest
$2,044
Taxes
$298
HOA
$0

Home Price

$369,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$73,980
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,043.64

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,043.64 $297.83 $0.00 $2,341.48
Yearly $24,523.73 $3,574.00 $0.00 $28,097.73
Total $735,711.92 $107,220.00 $0.00 $842,931.92

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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Market insight data is pulled from the same city as the listing being viewed (Panama City, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS