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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 1728 , Panama City, FL 32408
$570,000
Est. Payment: $3,149.17/mo
3 Bed
3 Bath
1525 Sqft
Status: Active | Days on site: 19
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Harrison Lilly Team
Owner/Operator

House Description

Shores of Panama 1728 is a freshly rejuvenated 3-bedroom, 3-bathroom Gulf-front condo on the 17th floor of one of Panama City Beach's best-known towers. Living space opens to Gulf views--emerald water, white sand, and the lagoon pool below--so mornings start on the balcony and evenings end on that same horizon. A bunk-hall addition adds extra beds in a dedicated nook so the unit sleeps a full family without crowding the three primary suites. Three full baths make it easy to book groups that want both privacy and capacity. The resort sells the stay. Shores of Panama centers on a nearly 14,000-square-foot lagoon-style pool with zero-entry, fountains, and a tropical deck. Add an indoor heated pool and hot tubs, a lobby coffee shop, seasonal tiki bars, and a convenience-style concession so guests skip the car for snacks. Covered parking, fitness, and private beach access round it out. You're next door to Pineapple Willy's, across from Walmart, and minutes from 810 Billiards & Bowling, Ripley's, Thomas Drive nightlife, and Pier Park. Location and amenities keep occupancy high.

Highlights

Listed by The Warren Group , 850-235-6178 Christies International Real Estate Emerald Coast , 850-213-2800. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

3491 Quarterly

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Shores Of Panama Phase II

Listing ID

795286

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Cooktop, Electric Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Main Level Primary

Exterior Features

Lot Dimensions:X
Principal Interest
$3,149
Taxes
$547
HOA
$3,491

Home Price

$570,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$114,000
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:
$3,149.17

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,149.17 $546.58 $3,491.00 $7,186.75
Yearly $37,790.01 $6,558.96 $41,892.00 $86,240.97
Total $1,133,700.44 $196,768.80 $1,256,760.00 $2,587,229.24

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: 2026-10-07T08:26:25.000Z

© 2026 Bay County Association of REALTORS