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Harrison Lilly

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

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9860 S Thomas Dr Unit 705 , Panama City, FL 32408
$279,900
Est. Payment: $1,419.60/mo
1 Bed
2 Bath
1047 Sqft
Status: active | Days on site: 194
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

This beautifully maintained Gulf-view unit offers sweeping views you can enjoy every day from your private balcony. Inside, the open-concept layout is bright and welcoming, featuring a full-size kitchen with ample cabinetry, granite countertops, stainless appliances, and a stylish mosaic backsplash--perfect for preparing meals when you're not dining out. The condo comfortably sleeps six and includes two spacious bathrooms, making it ideal for full-time living, a second home, or a high-performing vacation rental. Tile flooring in the main living areas, updated coastal décor, and a well-appointed primary bedroom create a truly turn-key feel throughout. Located at Laketown Wharf, owners and guests enjoy a true resort-style experience with multiple pools, a lakefront boardwalk, a Gulf-view fitness center, onsite dining, nightly fountain and light shows, and direct beach access just across the street. The unbeatable location places you steps from restaurants, shopping, entertainment, and the iconic sugar-white sands of Panama City Beach. HOA dues include water, sewer, cable, WiFi, and full access to all resort amenities (electric billed separately). With strong rental history, stylish updates, Gulf views, and an attractive price point, this condo stands out as an exceptional opportunity for personal enjoyment or continued rental success.

Highlights

Listed by Ramil Zartdinov , 850-819-1418 Local Insight Realty , 850-832-9417. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

2654.19 Quarterly

Year Built

2008

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Laketown Wharf

Listing ID

784478

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:1
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Main Level Primary

Exterior Features

Lot Dimensions:0
Zoning:City
Sewer:Public Sewer
Principal Interest
$1,420
Taxes
$281
HOA
$2,654

Home Price

$279,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$55,980
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:
$1,419.60

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,419.60 $281.25 $2,654.19 $4,355.04
Yearly $17,035.20 $3,375.00 $31,850.28 $52,260.48
Total $511,056.00 $101,250.00 $955,508.40 $1,567,814.40

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS