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Harrison Lilly

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

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9902 S Thomas Dr Unit 130 , Panama City, FL 32408
$414,000
Est. Payment: $2,099.51/mo
2 Bed
2 Bath
1262 Sqft
Status: active | Days on site: 179
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

This exceptional first-floor residence offers the best of both worlds: calm lake views and easy access, all without the wait or hassle of elevators. From the moment you step inside, the coastal design and sophistication set this unit apart. The beautifully updated kitchen is a true showpiece, featuring crisp cabinetry, upgraded countertops, modern appliances, and a striking turquoise backsplash bringing the Gulf's colors indoors. The open-concept living and dining space is light-filled and inviting--perfect for entertaining or unwinding after a day at the beach. This unit offers two spacious bedrooms plus a stylish bunk room, ideal for guests or family. With the addition of a barn door, the bunk room easily functions as a third bedroom offering privacy, adding flexibility and value. The primary suite is a peaceful retreat, positioned directly on the lake with soothing water views that make mornings and evenings feel extra special. Step out onto the large private balcony spanning the width of the unit to enjoy lake life and take in the nightly light show, visible both outdoors and from the comfort of the living area inside. Beautiful design touches flow throughout the home, blending coastal charm with modern comfort. From the furnishings to the finishes, every detail reflects the essence of the perfect beach getaway. Whether used as a primary residence, second home, or investment property, this first-floor unit with water views is a rare opportunity--where beauty, convenience, and coastal elegance come together seamlessly. As part of a large resort, you'll have access to world-class amenities, including the newest addition of 810 Billiards & Bowling as fun for the whole family on property, five pools (one zero-entry, heated, and a dedicated kiddie pool), two hot tubs, a state-of-the-art fitness center, and a putting green. Enjoy the convenience of multiple onsite dining options and a boardwalk that showcases a stunning nightly water fountain light show. Don't miss this opportunity to own a piece of paradise with solid rental returns and endless coastal charm! All measurements to be verified by buyer if deemed important.

Highlights

Listed by Heather Fox , 850-541-5774 Beachy Beach Real Estate , 850-532-6262. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

3002.02 Quarterly

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Laketown Wharf

Listing ID

784170

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Washer/Dryer Stacked, Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Balcony, Double Vanity, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot Dimensions:condo
Sewer:Public Sewer
Parking Features:Parking Lot,Community Structure
Principal Interest
$2,100
Taxes
$355
HOA
$3,002

Home Price

$414,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$82,800
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:
$2,099.51

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,099.51 $354.58 $3,002.02 $5,456.12
Yearly $25,194.14 $4,255.00 $36,024.24 $65,473.38
Total $755,824.25 $127,650.00 $1,080,727.20 $1,964,201.45

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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

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