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Harrison Lilly

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

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6505 Thomas Dr Unit 804 , Panama City, FL 32408
$399,000
Est. Payment: $2,023.44/mo
2 Bed
2 Bath
1075 Sqft
Status: active | Days on site: 31
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

2BR/2BA Gulf-front Summerhouse condo on Thomas Dr. in Panama City Beach. 1,075 SF with Gulf-view balcony, fully furnished and move-in ready. Located on the ninth floor of Summerhouse, a Gulf-front condominium community on Thomas Drive, this residence features updated interior finishes, direct beach access, resort-style amenities, and the added confidence of the building's 2024 Milestone Inspection and Structural Integrity Reserve Study (SIRS) already completed. Whether you're looking for a primary residence, vacation home, or investment property where short-term rentals are permitted, this condominium offers the flexibility today's buyers are seeking. Designed to maximize its Gulf-front setting, the open living and dining areas flow seamlessly to a private balcony where you can enjoy sweeping beach and Gulf views. The kitchen features updated stainless steel appliances, granite countertops, a breakfast bar, and ample cabinet space. Matching granite countertops in both bathrooms and luxury vinyl plank flooring throughout the entire unit create a clean, cohesive, contemporary look that is also easy to maintain. The split-bedroom floor plan enhances privacy, while the spacious primary suite offers Gulf views and direct balcony access. This condominium is offered fully furnished and is ready for immediate enjoyment. According to the seller, the unit has not been used as a rental during their ownership, reflecting the care it has received. Monthly HOA dues of $1,212.15 include cable TV, high-speed internet, water, sewer, trash, pest control, insurance, legal services, and professional management, helping simplify ownership. Situated on approximately 400 feet of Gulf frontage, Summerhouse offers an exceptional collection of resort-style amenities, including two swimming pools, one heated for year-round enjoyment, a beachfront hot tub, kiddie pool, gazebo, barbecue grills, a game room, pickleball, tennis, racquetball, shuffleboard courts, direct beach access, elevators, an on-site convenience store, and professional on-site management. Located along the desirable Thomas Drive corridor, this Gulf-front community is just minutes from St. Andrews State Park, marinas, charter fishing, diving excursions, waterfront restaurants, grocery stores, shopping, and many of Panama City Beach's most popular attractions. Spend your mornings watching dolphins offshore, your afternoons enjoying the sugar-white sand, and your evenings taking in spectacular sunsets from your private Gulf-front balcony. If you're searching for a Gulf-front condo in Panama City Beach with direct beach access, updated stainless steel appliances, granite countertops, luxury vinyl plank flooring throughout, resort-style amenities, a completed 2024 Milestone Inspection and Structural Integrity Reserve Study (SIRS), and short-term rentals permitted, this Summerhouse residence presents an outstanding opportunity to own a beautifully maintained beachfront property on Florida's Emerald Coast.

Highlights

Listed by Cindy Morehouse , 850-822-1055 and Greg B Taylor , 850-896-4173 Counts Real Estate Group Inc , 850-249-3615. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

Year Built

1984

County

Bay

Area

03 - Bay County - Beach

Neighborhood

The Summerhouse Of P.C. I

Listing ID

792920

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Interior Features

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

Exterior Features

Lot:Paved
Lot Dimensions:400 x 700
Zoning:Resid Multi-Family
Sewer:Public Sewer
Parking Features:Additional Parking
Principal Interest
$2,023
Taxes
$254
HOA
$0

Home Price

$399,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$79,800
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:
$2,023.44

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,023.44 $254.36 $0.00 $2,277.81
Yearly $24,281.31 $3,052.35 $0.00 $27,333.66
Total $728,439.31 $91,570.50 $0.00 $820,009.81

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS