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Harrison Lilly

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

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9900 S Thomas Dr Unit 131 , Panama City, FL 32408
$610,000
Est. Payment: $3,093.80/mo
3 Bed
3 Bath
1400 Sqft
Status: active | Days on site: 7
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Experience elevated coastal living in this rare East-side corner, ground-floor premium condo offering 3 bedrooms, 3 baths, and sweeping panoramic Gulf views. Designed with the highly desirable ''U'' floor plan, this layout provide breathtaking sunrise and sunset vistas from the expansive wrap-around balcony. What truly sets this condo apart is its private gated terrace access--step directly from your balcony to the pool deck and onto the beach. Inside, the condo has been thoughtfully renovated and beautifully refurnished. Recent upgrades include: New granite countertops, Luxury vinyl plank flooring throughout, New sink and faucet, Updated hanging light fixtures, Shiplap accent wall in the living area, Fresh interior paint, All new bedroom furniture and Soaring 12-foot ceilings for an open, airy feel. The functional layout features two spacious main suites, each with private baths, plus a third bedroom with its own bath--ideal for larger families or maximizing rental occupancy. A large exterior storage room just outside the front door adds additional convenience for beach gear and owner storage. With strong rental performance, unmatched accessibility, and premium corner positioning, this condo is perfectly suited for investors seeking income potential as well as buyers wanting a spacious Gulf-front retreat. The condo conveys fully furnished and rental-ready, making it an effortless investment opportunity or turnkey beach retreat. This unit also includes one deeded parking space. Shores of Panama is home to the largest Gulf-front lagoon pool in Panama City Beach, with its spectacular 14,000+ sq ft zero-entry lagoon pool with palm-lined islands, fountains, and expansive hot tub. tropical palm islands, fountains, and an oversized hot tub--all just steps from exclusive beachfront access. Owners and guests also enjoy: Indoor heated pool and hot tub, 24-hour fitness center, Seasonal poolside Tiki bar, Covered parking, and On-site security. The location is unbeatable--walk next door to Pineapple Willy's for beachfront dining or cross the street to Laketown Wharf for multiple dining options including The Wharf Buffet, Juan Taco, and LuLu's Bar & Restaurant. Shopping, entertainment, and attractions are all within easy reach. If you're looking for a well-positioned Gulf-front condo with proven rental appeal and unbeatable amenities--this is a standout opportunity. With exterior renovations scheduled to enhance curb appeal and long-term value, this is a strategic opportunity to secure this wonderful gulf front condo--ideal as a personal retreat, income powerhouse, or both. All information and HOA details are believed accurate but should be verified by buyers if important.

Highlights

Listed by Cindy Shoemaker , 850-573-4045 Christies International Real Estate Emerald Coast , 850-213-2800. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

4707.98 Quarterly

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Shores Of Panama Phase II

Listing ID

794018

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Electric Oven, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Main Level Primary

Exterior Features

Lot Dimensions:0x0
Zoning:Resid Multi-Family
Sewer:Public Sewer
Principal Interest
$3,094
Taxes
$507
HOA
$4,708

Home Price

$610,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$122,000
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:
$3,093.80

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,093.80 $506.53 $4,707.98 $8,308.31
Yearly $37,125.66 $6,078.34 $56,495.76 $99,699.76
Total $1,113,769.77 $182,350.20 $1,694,872.80 $2,990,992.77

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

© 2026 Bay County Association of REALTORS