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Harrison Lilly Team

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

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9850 S Thomas Drive 401w , Panama City, FL 32408
$300,000
Est. Payment: $1,657.46/mo
1 Bed
1 Bath
618 Sqft
Status: Active | Days on site: 205
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BKWS - B8853
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Harrison Lilly Team
Owner/Operator

House Description

Own a beautifully updated beachfront condo with exceptional income potential in the sought-after West Tower. This turnkey 1-bedroom, 1-bath unit is a rare opportunity for buyers seeking a vacation retreat, rental investment, or full-time coastal residence. As of 09/28/2026, the property has already produced $32,000 in actual gross rental income, with three more months of rentals still to come. A brand-new AC unit was installed in September 2026 through HOA reserves at no cost to the owner, adding immediate value and reducing near-term expense. Positioned on a desirable low floor, this unit has been renovated from top to bottom with updated kitchen and bathroom cabinets, stylish countertops, upgraded flooring, and newer furnishings throughout. Even better, this stack offers a special balcony view where you can enjoy the sunrise with your morning coffee. Residents and guests enjoy a full resort-style experience with three pools, pickleball and tennis courts, and 24-hour gated security. The community is well maintained, the building has passed all required milestones, and the reserve study has been completed. Located within walking distance to restaurants, bars, and shopping, this beachfront condo delivers lifestyle, location, and income potential in one package.

Highlights

Listed by Sassy French , 865-617-6184 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

2122.01 Quarterly

Year Built

1984

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Sunbird Condo

Listing ID

786766

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:1
  • ▪ Bathrooms:1
  • ▪ Full Bathrooms:1
Appliances:Electric Cooktop, Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Main Level Primary, Shower Only

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:0x0
Zoning:City, Resid Multi-Family
Sewer:Public Sewer
Parking Features:Electric Gate,Gated,Paved,Parking Lot

Open House

Upcoming Open Houses
Saturday 12:00 pm - 2:00 pm Oct 10
Principal Interest
$1,657
Taxes
$266
HOA
$2,122

Home Price

$300,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$60,000
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:
$1,657.46

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,657.46 $266.17 $2,122.01 $4,045.63
Yearly $19,889.48 $3,194.00 $25,464.12 $48,547.60
Total $596,684.44 $95,820.00 $763,923.60 $1,456,428.04

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