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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 1104 , Panama City Beach, FL 32408
$385,000
Est. Payment: $1,952.65/mo
2 Bed
3 Bath
1148 Sqft
Status: active | Days on site: 114
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

DEEDED 11TH-FLOOR PARKING. GULF AND POOL VIEWS. FULLY FURNISHED AND RENTAL-READY. Shores of Panama Unit 1104 in Panama City Beach, Florida offers the convenience of driving up to the 11th floor to your own deeded parking space, paired with the desirable ''B'' floor plan. This 2-bedroom condo with a bunk area and 3 full bathrooms is positioned on the west side of the building and features strong balcony views of the resort-style pool along with views down the coastline of Panama City Beach. Gulf views from both bedroom windows add to the appeal. The unit conveys fully furnished and rental-ready, with coastal decor, new stainless steel appliances, fresh paint, new LVP flooring throughout the living areas, tile in the kitchen and bathrooms, and a water heater replaced in 2020. The property is also under new rental management, creating a strong setup for buyers seeking a turnkey opportunity. Shores of Panama Resort features the largest gulf-front lagoon pool in Panama City Beach. The zero-entry tropical pool includes palm-lined islands, fountains, and a spacious hot tub set along the resort's private beachfront access. Additional amenities include an indoor heated pool and hot tub, a 24-hour fitness center, and a seasonal poolside tiki bar. Located in the heart of Panama City Beach, Shores of Panama places dining, shopping, and entertainment nearby. Pineapple Willy's is adjacent to the resort, while Laketown Wharf directly across the street offers several dining, retail, and entertainment options, including Wharf Seafood Buffet, The Candymaker Ice Cream Shop, PCB Pizza, In Cahoots, The Press, The Bun Lab, 810 Billiards & Bowling, salon services, and more. Panama City Beach has also welcomed several newer attractions and entertainment venues, including Dolly Parton's Pirates Voyage Dinner & Show, Topgolf, McGuire's Irish Pub, and Tootsie's Orchid Lounge. HOA dues are $4,419.50 per quarter. All information, including HOA fees, is deemed reliable but should be verified by buyers if important.

Highlights

Listed by Alice de La Penha , 850-771-3150 Coldwell Banker Realty , 850-234-6696. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

4419.5 Quarterly

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Shores Of Panama

Listing ID

789002

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Washer/Dryer Stacked, Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot Dimensions:CONDO
Zoning:Resid Multi-Family
Sewer:Public Sewer
Principal Interest
$1,953
Taxes
$441
HOA
$4,420

Home Price

$385,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$77,000
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:
$1,952.65

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,952.65 $441.25 $4,419.50 $6,813.40
Yearly $23,431.77 $5,295.00 $53,034.00 $81,760.77
Total $702,953.05 $158,850.00 $1,591,020.00 $2,452,823.05

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 Beach, 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