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Harrison Lilly Team

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

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8817 S Thomas Dr Unit 101 , Panama City, FL 32408
$259,000
Est. Payment: $1,430.94/mo
1 Bath
489 Sqft
Status: Active | Days on site: 27
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EXPR - B11469
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Harrison Lilly Team
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House Description

GROUND FLOOR + POOLSIDE CONVENIENCE! This beautifully situated ground-floor studio at Top of the Gulf puts you just steps from the resort pool and Gulf-front beach--no elevators, no stairs, just easy access to everything you came to Panama City Beach to enjoy! Unit 101 offers a convenient layout with two queen beds plus a set of bunk beds in the hallway, comfortably accommodating all your guests. Whether you're looking for a personal beach getaway, a vacation rental investment, or both, this location makes enjoying the beach incredibly easy. Top of the Gulf offers a beachfront pool, children's pool, fitness center, game room, shuffleboard, seasonal snack bar, laundry facilities, on-site parking and direct access to the beautiful Gulf beaches. And when you're ready for food, drinks and live entertainment, Tootsie's Orchid Lounge is right next door! You're also close to shopping, restaurants, attractions and everything Panama City Beach has to offer. Ground floor. Poolside. Beachfront. And steps from the action. It doesn't get much more convenient than this!
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Highlights

Listed by Cathy A Cole , 334-701-1592 EXP Realty LLC , 888-883-8509. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

525 Monthly

Year Built

1976

County

Bay

Area

03 - Bay County - Beach

 Neighborhood

Top Of The Gulf Condo.

Listing ID

795209

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Interior Features

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

Exterior Features

Lot Dimensions:0x0
Others:
  • ▪ Additional:Patio
Sewer:Public Sewer
Parking Features:Parking Lot
Principal Interest
$1,431
Taxes
$210
HOA
$525

Home Price

$259,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$51,800
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:
$1,430.94

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,430.94 $210.42 $525.00 $2,166.36
Yearly $17,171.25 $2,525.04 $6,300.00 $25,996.29
Total $515,137.57 $75,751.20 $189,000.00 $779,888.77

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: 2026-10-07T08:26:25.000Z

© 2026 Bay County Association of REALTORS