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Harrison Lilly Team

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

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9902 S Thomas Dr Unit 538 , Panama City, FL 32408
$339,999
Est. Payment: $1,878.45/mo
3 Bed
3 Bath
1483 Sqft
Status: Active | Days on site: 2
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CLRA - B11551
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to Laketown Wharf 538, a modern 3-bedroom, with a bunk room, 3-bathroom condo wrap-around balcony, and stunning updates. Discover the perfect coastal retreat in this beautifully renovated 3-bedroom, 3-bathroom condo. It features a bonus bunk room and an expansive wrap-around balcony. The entire unit has been refreshed with a modern touch, including a fresh coat of paint on walls, cabinets, and doors, along with sleek new door knobs for a contemporary feel. The spacious bedrooms boast two king beds and one queen bed, all equipped with brand-new mattresses, stylish new sheets, and bed covers for ultimate comfort. The cozy bunk room is perfect for additional guests, while the living room offers a plush new sofa, ideal for relaxation. Every room is adorned with elegant new curtains for added privacy and style. The kitchen is equipped with updated appliances, including a dishwasher, microwave, refrigerator, and stove, making meal prep a breeze. Step outside onto the wrap-around balcony to enjoy breathtaking views of the Gulf, city skyline, or serene surroundings. Laketown Wharf takes resort living to the next level with its exceptional amenities. Enjoy five pools, including dedicated options for kids, teens, and adults, as well as private beach access. There's also a state-of-the-art fitness center, a putting green, outdoor gazebos, and a relaxing hot tub. The lakefront boardwalk offers spectacular views and nightly fountain shows choreographed to music, adding a touch of magic to your evenings. Dining and entertainment are just steps away. On-site options include Paradise Pizza, Sunshine Bar & Grill, and Splash Bar. For family fun, 810 Billiards & Bowling offers bowling, arcade games, axe throwing, and more, all within the resort. Nearby attractions such as Pineapple Willy's and Shipwreck Island Waterpark add to the convenience and entertainment options. This condo is truly turnkey and ready for immediate use, making it an excellent choice for both personal enjoyment and rental income.

Highlights

Listed by Phyllis Holloway , 678-613-8804 Coastal Living Realty & Associates , 404-401-2444. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

3750 Quarterly

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Laketown Wharf

Listing ID

796245

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Cooktop, Electric Oven
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Balcony, Double Vanity, Soaking Tub, Tub Shower

Exterior Features

Lot Dimensions:0
Principal Interest
$1,878
Taxes
$364
HOA
$3,750

Home Price

$339,999

Loan Details

30 yrs
7.374%

Down Payment

20%
$68,000
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:
$1,878.45

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,878.45 $363.56 $3,750.00 $5,992.01
Yearly $22,541.35 $4,362.72 $45,000.00 $71,904.07
Total $676,240.38 $130,881.60 $1,350,000.00 $2,157,121.98

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: 2026-10-07T03:46:57.000Z

© 2026 Bay County Association of REALTORS