Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly

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

Agent profile image in message

9900 S Thomas Dr Unit 228 , Panama City, FL 32408
$660,000
Est. Payment: $3,347.40/mo
3 Bed
3 Bath
1525 Sqft
Status: active | Days on site: 236
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

Agent profile image
Harrison Lilly
Owner/Operator

House Description

This is the largest floor plan at Shores of Panama with 3 bedrooms plus bunk and full laundry room. This unit was completely remodeled with new granite countertops-new cabinets-new flooring-new furniture-new appliances three years ago. Brand new washer and dryer. This unit is a beauty and can easily accommodate two families generating nice revenue as a short-term rental or a lovely vacation home for the family. Shores of Panama boasts the largest lagoon style pool on the beach along with a large amenity package including, tiki bar, tiki snack hut, coffee/ice cream shop, indoor pool, banquet room and pizza hut. This desirable lower level unit means you don't have to hassle with elevators and your DEEDED covered parking space is just steps away. Easy to show and over $80K in revenue from 2025!

Highlights

Listed by Joseph Echols , 706-340-4117 Hitchcock Real Estate LLC , 850-481-0095. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

5123.33 Quarterly

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Shores Of Panama Phase II

Listing ID

782253

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Electric Cooktop

Exterior Features

Lot Dimensions:0x0
Others:
  • Additional:Barbecue
Sewer:Public Sewer
Principal Interest
$3,347
Taxes
$631
HOA
$5,123

Home Price

$660,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$132,000
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:
$3,347.40

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,347.40 $630.92 $5,123.33 $9,101.64
Yearly $40,168.75 $7,571.00 $61,479.96 $109,219.71
Total $1,205,062.37 $227,130.00 $1,844,398.80 $3,276,591.17

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
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