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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 1412 , Panama City Beach, FL 32408
$319,000
Est. Payment: $1,617.91/mo
2 Bed
2 Bath
907 Sqft
Status: active | Days on site: 59
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

CENTERED VIEWS. DEEDED PARKING. GULF-FRONT PRIMARY SUITE. Shores of Panama Unit 1412 features the highly sought-after Type C floor plan with two bedrooms, two bathrooms, and a layout that includes a Gulf-front primary suite plus a private bunk room serving as the second bedroom. Centrally located both vertically and within the resort's signature horseshoe design, Unit 1412 brings the pool, beach, and Gulf together in one impressive view corridor. The spacious living room opens to a large balcony where you can enjoy wide views of the Gulf of Mexico, sugar-white sand, and the resort's lagoon-style pool. The Gulf-front primary suite offers direct water views and a private ensuite bathroom. The private bunk room is located near the adjacent full bathroom, creating a practical layout for owners and rental use. With a pull-out sofa in the living room, the condo comfortably accommodates up to six guests. The kitchen has been updated with white shaker cabinetry, Ubatuba granite countertops, and stainless steel appliances. Additional interior details include crown molding in the living room, an open main living area, and a layout designed to keep the view front and center. A deeded parking space on the 10th floor adds valuable convenience, especially in a resort where parking access can make a meaningful difference. Shores of Panama Resort is known for its expansive Gulf-front lagoon pool, one of the largest in Panama City Beach. The resort-style pool area features zero-entry access, palm-lined islands, fountains, a spacious hot tub, and direct private beachfront access. Additional amenities include an indoor heated pool and hot tub, 24-hour fitness center, and 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, and 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 $3,491.71 per quarter. All information is believed to be accurate 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

3491.71 Quarterly

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Shores Of Panama

Listing ID

791302

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Washer/Dryer Stacked, Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Main Level Primary, Tub Shower

Exterior Features

Lot Dimensions:CONDO
Zoning:Resid Multi-Family
Sewer:Public Sewer
Principal Interest
$1,618
Taxes
$318
HOA
$3,492

Home Price

$319,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$63,800
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:
$1,617.91

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,617.91 $318.42 $3,491.71 $5,428.03
Yearly $19,414.89 $3,821.00 $41,900.52 $65,136.41
Total $582,446.81 $114,630.00 $1,257,015.60 $1,954,092.41

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