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Harrison Lilly

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

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8618 Surf Dr Unit 206 , Panama City Beach, FL 32408
$279,900
Est. Payment: $1,419.60/mo
1 Bed
1 Bath
576 Sqft
Status: active | Days on site: 12
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to this charming, updated 1-bedroom, 1-bath condominium at Ocean Terrace Condominiums in Panama City Beach. Located in a low-density, two-story Gulf-side community, this beautifully maintained unit is just steps from the sugar-white sands and emerald waters of the Gulf of Mexico. Inside, you'll find a tastefully updated kitchen featuring stainless steel appliances, a tile backsplash, updated cabinetry and countertops, as well as attractive plank tile flooring throughout. The bathroom has been updated with a beautifully tiled, glass-enclosed shower and vanity, adding a modern touch to the space. A portion of the living area is currently being utilized as flexible space and is arranged as an additional sleeping area, providing added versatility for owners and guests. Community amenities include a Gulf-front swimming pool and a covered pavilion with picnic tables, offering the perfect spot to relax after a day at the beach. The convenient location places you within walking distance of restaurants, shopping, and entertainment, while nearby St. Andrews State Park offers opportunities for boating, fishing, kayaking, hiking, and enjoying Florida's natural beauty. Whether you're looking for a vacation getaway, investment property, or your own beach retreat, this turn-key ready condo combines tasteful updates with an unbeatable location.

Highlights

Listed by Darlene Tate , 850-890-9309 RC Real Estate Group , 850-249-6100. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

1422.38 Quarterly

Year Built

1982

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Ocean Terr. Condo.

Listing ID

793610

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Interior Features

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

Exterior Features

Lot:Paved
Lot Dimensions:0x0
Sewer:Public Sewer
Parking Features:Paved,Parking Lot
Principal Interest
$1,420
Taxes
$217
HOA
$1,422

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 $216.79 $1,422.38 $3,058.76
Yearly $17,035.20 $2,601.42 $17,068.56 $36,705.18
Total $511,056.00 $78,042.60 $512,056.80 $1,101,155.40

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

© 2026 Bay County Association of REALTORS