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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 323 , Panama City, FL 32408
$485,000
Est. Payment: $2,459.83/mo
2 Bed
3 Bath
1102 Sqft
Status: active | Days on site: 72
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Deeded Garage Space on the same floor of unit. No elevators necessary. This highly sought-after low-floor unit features one of the best 2-bedroom floor plans at Shores of Panama--and lives like a 3-bedroom. The spacious bunk room is a true enclosed room with a door and window, offering added privacy and flexibility for guests. Designed for both comfort and views, the Gulf-front primary suite and living area open directly onto an extra-wide private balcony through sliding glass doors. Enjoy breathtaking Gulf views, coastal breezes, and the soothing sound of the waves right from your living space. This unique layout includes a Gulf-view primary suite with private bath and balcony access, a second suite with its own bath, a private bunk room, and an additional guest bathroom--providing ideal accommodations for owners and guests alike. The open-concept living area features a fully equipped kitchen, breakfast bar, and dining space perfect for entertaining. Offered fully furnished and turnkey, the condo showcases attractive plank flooring, coastal-inspired colors, and quality finishes throughout. Step onto the balcony to take in stunning pool views along with glimpses of turquoise waters and sugar-white sand. A rare highlight of this property is the deeded parking space located on the same (3rd) floor--no elevators needed--providing unmatched convenience and easy access. Low-floor units like this are rarely available, allowing you to skip elevator wait times with just a short walk up two flights of stairs. Shores of Panama offers resort-style amenities including a spectacular zero-entry pool, tiki bars, hot tubs, indoor pool, sauna, steam rooms, fitness center, and on-site snack shop with coffee, donuts, and ice cream. Ideally located next to Pineapple Willy's and just minutes from Pier Park, Topgolf, and Pirate's Voyage, this condo puts you in the heart of Panama City Beach's best dining, shopping, and entertainment. With its exceptional layout, stunning views, and unbeatable convenience, this property is a must-see.

Highlights

Listed by Selma Hill , 850-774-3442 Hilltop Legacy Realty , 850-774-3442. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Shores Of Panama Phase II

Listing ID

787612

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Double Vanity

Exterior Features

Lot:Paved
Lot Dimensions:0x0
Sewer:Public Sewer
Principal Interest
$2,460
Taxes
$394
HOA
$0

Home Price

$485,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$97,000
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:
$2,459.83

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,459.83 $393.92 $0.00 $2,853.75
Yearly $29,517.94 $4,727.00 $0.00 $34,244.94
Total $885,538.26 $141,810.00 $0.00 $1,027,348.26

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

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