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Harrison Lilly Team

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

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6505 Thomas Dr Unit 512 , Panama City, FL 32408
$439,000
Est. Payment: $2,425.41/mo
2 Bed
2 Bath
1015 Sqft
Status: Active | Days on site: 55
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Harrison Lilly Team
Owner/Operator

House Description

2BR/2BA Gulf-front remodeled condo in Summerhouse, Panama City Beach. Furnished, dual balcony access, 1,015 sq ft, STR allowed Unit 512C at Summerhouse is a fully furnished, thoughtfully updated 2-bedroom, 2-bath Gulf-front condo offering 1,015 square feet and unobstructed views of the Gulf, beach, and pool deck. Positioned on the fifth floor, the condo combines an established vacation-rental setup with the flexibility to serve as a coastal getaway or full-time residence. Short-term rentals are allowed. The Gulf view becomes the focal point as soon as you enter. The living area opens to a covered private balcony through full-height sliding glass doors, while the primary bedroom has its own balcony access and direct water views. The connected living, dining, and kitchen spaces create an easy flow for everyday use, entertaining, and guest stays. Inside, crown molding, updated lighting, vinyl plank flooring, coordinated coastal furnishings, and a clean, cohesive palette give the condo a polished finish. The kitchen features granite countertops, stainless steel appliances, bar seating, distinctive cabinetry, and a new dishwasher. Both bathrooms also have granite countertops, creating consistency throughout the interior. The spacious primary suite includes Gulf views, balcony access, a walk-in closet, and an en-suite bath. The guest bedroom is furnished with two full beds and has convenient access to the second bathroom, providing a practical layout for owners and rental guests. Recent improvements include a new water heater and dishwasher, with documentation available. The condo is being sold fully furnished, offering a turnkey setup with furnishings, appliances, and essential features already in place. There are no current special assessments. The covered balcony provides room for dining and relaxing while overlooking the emerald Gulf, white-sand beach, pools, and tropical landscaping. Summerhouse amenities include direct beach access, two Gulf-front pools, a hot tub, kiddie pool, tennis and pickleball courts, a game room with billiards and arcade games, grilling areas, elevators, gathering spaces, and on-site security. The monthly HOA fee is $1,264.69 and includes exterior insurance, management, cable, internet, water, sewer, trash, grounds maintenance, pest control, security, and access to community amenities. Located on Thomas Drive, the Summerhouse provides convenient access to St. Andrews State Park, Shell Island excursions, fishing, dining, shopping, and the recreational attractions of Panama City Beach. Unit 512C stands apart through its fifth-floor Gulf-front position, views from the living area and primary suite, dual balcony access, cohesive updates, documented improvements, furnished condition, and rental-ready setup. Save Unit 512C and contact your agent for active-date details, showing availability, and the opportunity to experience this furnished Gulf-front condo in person.

Highlights

Listed by Brad Amerson LLC , 850-276-4130 and Candi E Miles , 850-596-6793 Compass Florida, LLC , 850-296-9769. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

1265 Monthly

Year Built

1987

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Summerhouse Of P.C. 3

Listing ID

793247

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Washer/Dryer Stacked, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Main Level Primary, Sitting Area in Primary, Smart Thermostat, Tub Shower, Walk-In Pantry, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:0 x 0
Zoning:Resid Multi-Family
Roof:Flat,Membrane,Metal
Sewer:Public Sewer
Parking Features:Additional Parking,Paved,Parking Lot
Principal Interest
$2,425
Taxes
$342
HOA
$1,265

Home Price

$439,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$87,800
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:
$2,425.41

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,425.41 $341.77 $1,265.00 $4,032.19
Yearly $29,104.94 $4,101.29 $15,180.00 $48,386.23
Total $873,148.24 $123,038.70 $455,400.00 $1,451,586.94

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

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