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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 234 , Panama City, FL 32408
$425,000
Est. Payment: $2,155.52/mo
3 Bed
3 Bath
1681 Sqft
Status: active | Days on site: 220
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

FULLY FURNISHED & A CURRENT CASH FLOWING INVESTMENT!! Welcome to Laketown Wharf #234, a stunning, fully renovated 3-bedroom, 3-bath residence offering breathtaking views from the main living area, primary suite, and oversized balcony. The unit is located on the second floor, offering convenient access to the parking garage—if you park on Level 2, you can walk directly to the unit without needing the elevator! Plus, you're just steps from the beach! Laketown Wharf is one of the most sought-after buildings in PCB. This turn-key condo combines coastal living and convenience. The unit has a strong track record of rental income. And a full-year expected to be $56,000, it presents an outstanding investment opportunity—or if rentals aren't the goal, this beautiful unit can also make the perfect second-home getaway. The resort features some of the largest floor plans in PCB with 9-foot ceilings, and an impressive list of amenities including: five pools, two hot tubs, a putting green, and a fitness center with Gulf views. As the sun sets, enjoy the nightly 8 p.m. light show that adds a touch of magic to your beachfront evenings. The complex also offers on-site dining, billiards & bowling alley, and much more! Your family or rental guests will love vacationing here and want to come back every year! Step inside to discover an open-concept layout designed for entertaining, featuring coastal-inspired finishes, updated flooring, lighting, and premium furnishings. The updated kitchen is equipped with stainless steel appliances, granite counters, and plenty of storage. The spacious primary suite offers balcony access and a spa-like en suite with a soaking tub and a walk-in shower with multiple jets. Every detail has been carefully curated, from the decor to the thoughtful updates. The condo also includes a NEW AC unit, washer/dryer, and parking just steps away with minimal elevator traffic. Experience the perfect blend of luxury, location, and income potential—this one truly has it all.

Highlights

Listed by Bri Gambrell , 850-691-8588 Foundation Real Estate Agency LLC , 850-988-1618. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Laketown Wharf

Listing ID

781640

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Washer/Dryer Stacked, Electric Range, Electric Water Heater, Ice Maker
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Balcony, Double Vanity, Separate Shower, Tub Shower

Exterior Features

Lot Dimensions:NA
Sewer:Public Sewer
Parking Features:Gated
Principal Interest
$2,156
Taxes
$255
HOA
$0

Home Price

$425,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$85,000
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:
$2,155.52

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,155.52 $254.92 $0.00 $2,410.44
Yearly $25,866.24 $3,059.00 $0.00 $28,925.24
Total $775,987.13 $91,770.00 $0.00 $867,757.13

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

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