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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 820 , Panama City Beach, FL 32408
$425,000
Est. Payment: $2,155.52/mo
2 Bed
3 Bath
1102 Sqft
Status: active | Days on site: 69
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

DIRECT GULF VIEWS. SAME-LEVEL DEEDED PARKING. TURNKEY 2026 DESIGNER UPDATE. Shores of Panama Unit 820 is a beautifully updated Type L floor plan positioned in the highly desired 20 stack at Shores of Panama in Panama City Beach, Florida. Located on the 8th floor, this 2-bedroom, 2.5-bath condo also includes a private bunk room, creating three separate sleeping areas with accommodations for up to 8 guests. This desirable elevation sits above the palm trees while maintaining a strong connection to the beach, Gulf, and resort pool below. The 20 stack faces directly south, offering straight-on Gulf views and a front-row perspective over the expansive lagoon-style pool that has made Shores of Panama one of the most recognizable vacation resorts in Panama City Beach. Completely redecorated by a professional interior designer in 2026, this turnkey condo features fresh paint, all-new furniture, rugs, artwork, décor, lighting fixtures, and ceiling fans throughout. The fully equipped kitchen includes granite countertops and brand-new stainless steel appliances, while the open living area connects directly to the oversized balcony. One of the standout features of Unit 820 is the spacious 32-foot balcony, furnished with high-top Polywood furniture and positioned for exceptional Gulf, beach, and pool views. This outdoor space gives the condo the kind of front-row Panama City Beach experience that buyers often seek at Shores of Panama. The Gulf-front primary suite includes direct balcony access and beautiful water views. The guest bedroom and private bunk room add flexibility for owners and rental guests, while the stackable washer and dryer provide added convenience. Additional updates include a new HVAC system installed in 2024 and a water heater replaced in 2017. Unit 820 is being sold fully furnished and rental ready. A deeded parking space located on the same level as the condo, conveniently positioned near the elevator entrance, is a rare and highly desirable feature at Shores of Panama. Same-level parking adds meaningful convenience for owners and guests, especially in a large Gulf-front resort setting. 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 $3,705.85 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

3705.85 Quarterly

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Shores Of Panama

Listing ID

790943

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Washer/Dryer Stacked, Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Main Level Primary, Smart Thermostat, Tub Shower

Exterior Features

Lot Dimensions:CONDO
Zoning:Resid Multi-Family
Sewer:Public Sewer
Principal Interest
$2,156
Taxes
$394
HOA
$3,706

Home Price

$425,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$85,000
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:
$2,155.52

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,155.52 $393.92 $3,705.85 $6,255.29
Yearly $25,866.24 $4,727.00 $44,470.20 $75,063.44
Total $775,987.13 $141,810.00 $1,334,106.00 $2,251,903.13

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