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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 809 , Panama City Beach, FL 32408
$362,500
Est. Payment: $2,002.76/mo
3 Bed
2 Bath
1262 Sqft
Status: Active | Days on site: 157
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Harrison Lilly Team
Owner/Operator

House Description

UPDATED. REMODELED. 09 STACK. Laketown Wharf Unit 809 delivers a fully remodeled 3-bedroom, 2-bath layout on the 8th floor in one of the building's most desirable stack positions, known for wide east-facing beach views and strong appeal among Panama City Beach vacation-rental buyers. This unit has been thoughtfully updated throughout with a clean, modern finish package, including LVP flooring across the entire space, fresh interior paint, white quartz countertops, a tile backsplash, white cabinetry with gold hardware, matching white appliances, and a deep stainless steel sink with a faucet that coordinates with the cabinet hardware. The kitchen, dining, and living areas feel clean, cohesive, and modern, with updated barstools, all new flat-screen TVs, and a leather sofa and loveseat that are approximately one year old. The living area opens to a large balcony with lounge furniture, creating a strong indoor-outdoor connection and showcasing the east-facing beach views that help set this 09-stack unit apart. The primary bedroom faces the Gulf and offers direct balcony access, adding another highly desirable feature for both personal use and rental performance. The bunk area has also been upgraded with a sliding barn door, giving it true privacy and making the overall layout function more like three defined sleeping spaces. Throughout the unit, unique single-blade wooden ceiling fans add a subtle coastal, almost nautical vibe without going overboard. It is one of those details that helps the space feel more custom than cookie-cutter. Additional updates include refreshed bathroom details with updated light fixtures, matching cabinet hardware, faucets, and mirrors, along with a front-load stackable washer and dryer, new mattresses, tasteful cohesive décor, and a turnkey setup that is professionally managed by a local rental company. Laketown Wharf is known for its extensive amenity package, including five pools, two hot tubs, a Gulf-view fitness center, pickleball courts, mini golf, a playground, a 52,000-square-foot lakefront boardwalk with a nightly fountain and light show, gated beach access next door to Pineapple Willy's, on-site dining and entertainment, two parking garages, barbecue areas, pet areas, and additional resort conveniences. HOA dues are $1,065.20 per month and include water, sewer, trash, cable/TV, pest control, WiFi, and access to amenities. Nearby attractions continue to add momentum to this part of Panama City Beach, including Dolly Parton's Pirates Voyage Dinner & Show, Topgolf, McGuire's Irish Pub, and Tootsie's Orchid Lounge, which opened in May 2026. All information is deemed reliable but should be verified by the buyer if important.

Highlights

Listed by Alice de La Penha , 850-771-3150 Coldwell Banker Realty , 850-234-6696. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

1065.2 Monthly

Year Built

2008

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Laketown Wharf

Listing ID

789301

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Washer/Dryer Stacked, Electric Oven, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Balcony, Double Vanity, Main Level Primary, Soaking Tub, Separate Shower, Smart Thermostat, Home Theater

Exterior Features

Lot:Paved
Lot Dimensions:NA
Zoning:Resid Multi-Family
Roof:Clay
Sewer:Public Sewer
Parking Features:Additional Parking
Principal Interest
$2,003
Taxes
$366
HOA
$1,065

Home Price

$362,500

Loan Details

30 yrs
7.374%

Down Payment

20%
$72,500
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Monthly Price:
$2,002.76

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,002.76 $365.50 $1,065.20 $3,433.46
Yearly $24,033.12 $4,386.00 $12,782.40 $41,201.52
Total $720,993.70 $131,580.00 $383,472.00 $1,236,045.70

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 Beach, 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: 2026-10-07T08:26:25.000Z

© 2026 Bay County Association of REALTORS