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Harrison Lilly Team

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

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9900 S Thomas Dr Unit 2306 , Panama City, FL 32408
$290,900
Est. Payment: $1,607.18/mo
1 Bath
473 Sqft
Status: Active | Days on site: 142
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Harrison Lilly Team
Owner/Operator

House Description

Gulf-front studio condo. This unit includes a parking space right outside the condo. Offering exceptional views and strong actual rental income. 2025 Rental Income: $26,834.36 (Verified /Actual income) - Managed by Vacasa, But the owner does some VRBO. This well-appointed unit features a full kitchen with granite countertops, ample cabinetry, and generous workspace for meal preparation. The interior includes 8-foot ceilings and the convenience of an in-unit washer and dryer. The bathroom is thoughtfully designed with a tub/shower combination and a dedicated vanity area, providing both function and comfort. Enjoy stunning Gulf views from the private balcony overlooking the lagoon-style pool and on-site dining area, perfect for taking in the coastal atmosphere. The resort-style community amenities are extensive and include an 18,000+ square foot lagoon-style pool with tropical landscaping, bridges, fountains, and recreational features, a large heated indoor pool, indoor spa tubs, two tiki bars, a fitness center, on-site eateries, a coffee shop, 24-hour security, and gated entry. Ideally located in the heart of the strip, this property is directly across from Walmart and adjacent to the world-famous Pineapple Willy's, offering unmatched convenience and walkability. Studio units in this community are highly desirable investments due to low HOA fees, low maintenance requirements, and excellent year-round rental demand.

Highlights

Listed by Mike S Herring , 850-321-0917 Keller Williams Realty Emerald , 850-654-2900. 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

Listing ID

784205

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bathrooms:1
  • ▪ Full Bathrooms:1
Appliances:Electric Cooktop, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:

Exterior Features

Lot:Paved
Lot Dimensions:0x0
Zoning:Resid Multi-Family
Sewer:Public Sewer
Parking Features:Additional Parking,Gated
Principal Interest
$1,607
Taxes
$258
HOA
$0

Home Price

$290,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$58,180
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:
$1,607.18

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,607.18 $257.50 $0.00 $1,864.68
Yearly $19,286.17 $3,090.00 $0.00 $22,376.17
Total $578,585.02 $92,700.00 $0.00 $671,285.02

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS