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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 1920 , Panama City, FL 32408
$436,400
Est. Payment: $2,213.34/mo
2 Bed
3 Bath
1102 Sqft
Status: active | Days on site: 173
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Gulf-Front Primary Suite Strong Rental Income See Walk-through Video Enjoy breathtaking Gulf views through floor-to-ceiling glass doors leading to the balcony from both the living room and the Gulf-front primary suite. This spacious 2-bedroom + bunk room, 2.5-bath floor plan lives and rents like a true 3-bedroom condo. Major exterior improvements at the resort are nearing completion, and construction on this stack is already complete, making this unit ready for immediate enjoyment and rental income. Comfortably sleeping 8 and including a reserved parking space, this condo is being sold fully furnished and rental-ready. Recent updates include flooring, furnishings, paint, appliances, granite countertops, and washer/dryer. The property has a strong history of 5-star guest reviews and generates approximately $50,000 in annual gross rental revenue, with nearly $25,000 in future bookings already secured as of June 2026. Located in the highly sought-after Shores of Panama, owners and guests enjoy: • 500 feet of Gulf frontage • 14,000 sq. ft. lagoon-style pool • Heated indoor pool, hot tub, sauna, and steam room • Fitness center • On-site dining, tiki bars, coffee shop, and gated security Conveniently located in the heart of Panama City Beach near shopping, dining, and attractions including Ripley's Believe It or Not! Panama City Beach, WonderWorks Panama City Beach, Shipwreck Island Waterpark, and Pirates Voyage Dinner & Show. Whether you're seeking a beachfront getaway, second home, or turnkey investment opportunity, this condo offers outstanding views, resort amenities, and proven income potential. See Documents section for additional details. Buyer to verify all information deemed important.

Highlights

Listed by Carla D Singleton , 931-797-3884 Ohana Real Estate Services , 850-238-2376. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

3529 Quarterly

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Shores Of Panama Phase II

Listing ID

785898

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Other:
  • Additional:Main Level Primary

Exterior Features

Lot Dimensions:0x0
Principal Interest
$2,213
Taxes
$397
HOA
$3,529

Home Price

$436,400

Loan Details

30 yrs
6.529%

Down Payment

20%
$87,280
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:
$2,213.34

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,213.34 $397.00 $3,529.00 $6,139.34
Yearly $26,560.06 $4,764.00 $42,348.00 $73,672.06
Total $796,801.85 $142,920.00 $1,270,440.00 $2,210,161.85

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