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Harrison Lilly

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

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8817 S Thomas Drive A110 , Panama City, FL 32408
$244,900
Est. Payment: $1,242.09/mo
0 Bed
1 Bath
489 Sqft
Status: active | Days on site: 10
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Updated ground-floor studio condo at Top of the Gulf with a private patio! Guests and owners alike will appreciate the convenience of walk-out access to the Gulf-front pool, sugar-white sand beaches, and resort amenities, no elevators required. As an added bonus, you're just a short stroll along the beach to the newly opened Tootsie's entertainment complex, where live music, dining, and nightlife add even more excitement to the coastal lifestyle. This condo offers an exceptional blend of modern coastal style and short-term rental opportunity, Beautifully renovated, the condo showcases a fresh, contemporary interior with upgraded tile flooring, granite countertops in both the kitchen and bath, high-end soft-close cabinetry, a custom tiled walk-in shower, designer fixtures, updated furnishings, and a cozy fireplace feature that elevates the guest experience. Major system improvements include an updated HVAC system, hot water heater, appliances, and an enhanced owner's storage closet, creating a true move-in or rent-ready opportunity. One of the most desirable features of this residence is its rare ground-floor location with a private patio, exclusive to ground-floor units. Enjoy the convenience of stepping directly outside to your own garden-style outdoor space, ideal for morning coffee, relaxing after a beach day, or accommodating pet-friendly owner use in accordance with association rules. Guests and owners alike will appreciate the easy walk-out access to the Gulf-front pool, sugar-white sand beaches, and resort amenities without ever needing to use an elevator. Whether you are seeking a vacation rental, a personal beachfront retreat, or a low-maintenance investment property, this condo delivers exceptional versatility and value. Top of the Gulf offers an array of amenities including a Gulf-front pool, game room, BBQ and picnic areas, beach showers, snack bar, owners' lounge, and on-site management, all within one of Panama City Beach's most recognizable beachfront destinations on Thomas Drive.

Highlights

Listed by Cindy Shoemaker , 850-573-4045 Christies International Real Estate Emerald Coast , 850-213-2800. 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

793436

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:0
  • Bathrooms:1
  • Full Bathrooms:1
Appliances:Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:

Exterior Features

Lot Dimensions:0X0
Zoning:Resort
Others:
  • Additional:Patio
Sewer:Public Sewer
Principal Interest
$1,242
Taxes
$215
HOA
$525

Home Price

$244,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$48,980
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:
$1,242.09

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,242.09 $215.41 $525.00 $1,982.49
Yearly $14,905.04 $2,584.86 $6,300.00 $23,789.90
Total $447,151.17 $77,545.80 $189,000.00 $713,696.97

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, 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