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Harrison Lilly Team

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

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9900 S Thomas Dr Unit 510 , Panama City Beach, FL 32408
$295,000
Est. Payment: $1,629.83/mo
1 Bed
2 Bath
911 Sqft
Status: Active | Days on site: 26
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BSA2 - B1541
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Harrison Lilly Team
Owner/Operator

House Description

LOW FLOOR. LEASED PARKING SPACE. FRONT DOOR BY THE ELEVATOR. Shores of Panama 510 is a furnished, fifth-floor Type F floor plan in Panama City Beach featuring one bedroom, a bunk area, one full bathroom, and one half bathroom. The balcony offers views over the resort pool and out to the Gulf. The recently painted interior is decorated in a light coastal style and features tile flooring throughout. The kitchen includes granite countertops, stainless steel appliances, and a stackable washer and dryer. Near the entry, the bunk area provides additional sleeping accommodations, with the half bathroom conveniently located nearby. The primary bedroom includes a king-size bed and access to the full bathroom. The unit also has a leased parking space on the 6th floor (658), and the front door is positioned immediately near the elevator. Additional updates include a 2020 HVAC system and a 2019 water heater. Shores of Panama is a Gulf-front resort centered around an expansive zero-entry lagoon-style pool with palm-lined islands, fountains, and a large outdoor hot tub. Additional amenities include private beach access, an indoor heated pool and hot tub, a 24-hour fitness center, a seasonal poolside Tiki bar, and covered parking. Located in the heart of Panama City Beach, Shores of Panama is adjacent to Pineapple Willy's and directly across from Laketown Wharf, offering nearby dining, shopping, and entertainment. Additional Panama City Beach attractions include Pirates Voyage Dinner & Show, Topgolf, McGuire's Irish Pub, and Tootsie's Orchid Lounge. HOA dues are currently $3,507.11 per quarter. One special assessment installment remains in the amount of $1,218.04, due in the fourth quarter of 2026. All information is deemed reliable but not guaranteed; buyer to verify 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

3507.11 Quarterly

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Shores Of Panama Phase I

Listing ID

795063

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:1
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:1
  • ▪ 1/2 Bathrooms:1
Appliances:Washer/Dryer Stacked, Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • ▪ Additional:Main Level Primary, Tub Shower

Exterior Features

Lot Dimensions:CONDO
Zoning:Resid Multi-Family
Sewer:Public Sewer
Principal Interest
$1,630
Taxes
$339
HOA
$3,507

Home Price

$295,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$59,000
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:
$1,629.83

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,629.83 $338.85 $3,507.11 $5,475.80
Yearly $19,557.99 $4,066.24 $42,085.32 $65,709.55
Total $586,739.70 $121,987.20 $1,262,559.60 $1,971,286.50

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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS