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Harrison Lilly

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

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8817 S Thomas Drive A418 , Panama City, FL 32408
$237,000
Est. Payment: $1,202.02/mo
0 Bed
1 Bath
489 Sqft
Status: active | Days on site: 1
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to Top of the Gulf, where the sugar-white sands and emerald waters of Panama City Beach are just steps from your door. This Gulf-front community offers direct beach access along with a large Gulf-front swimming pool, kiddie pool, seasonal snack bar, fitness center, game room, internet café, shuffleboard and cornhole, community laundry facilities, elevators, and outdoor gathering areas. Located on Thomas Drive, you're also convenient to local restaurants, golf, shopping, entertainment, and many of PCB's favorite attractions. Whether you're searching for a personal beach getaway, second home, or vacation rental opportunity, Top of the Gulf offers the location and amenities that keep owners and guests coming back to Panama City Beach. Now meet Unit A-418 -- a furnished and updated studio with beautiful Gulf views through floor-to-ceiling windows. The spacious layout features two Queen beds, comfortably sleeping up to four guests, along with coastal-inspired furnishings and durable luxury vinyl plank flooring. Sleeper sofa converts to a king-size bed, providing additional sleeping accommodations for guests. There is partial view of beach from unit. The unit also features a well-equipped kitchen, dedicated dining area, full bathroom with tub/shower combination, and a large owner's closet providing valuable storage for personal items between stays. Best of all, A-418 is offered furnished and is currently on a rental program, giving the next owner the opportunity to continue using it as a vacation rental or keep it as their own easy-to-enjoy beach retreat. Direct beach access, Gulf views, resort-style amenities, furnished and rental-ready -- A-418 puts the Panama City Beach lifestyle right at your fingertips.

Highlights

Listed by Nathan Lawrence , 850-783-2302 and Tyler S Smith , 850-818-9004 Legacy Premier Agency , 850-468-2100. 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

793690

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Interior Features

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

Exterior Features

Lot Dimensions:0x0
Parking Features:No Garage,Parking Lot
Principal Interest
$1,202
Taxes
$151
HOA
$525

Home Price

$237,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$47,400
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:
$1,202.02

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,202.02 $151.09 $525.00 $1,878.11
Yearly $14,424.23 $1,813.05 $6,300.00 $22,537.28
Total $432,726.94 $54,391.50 $189,000.00 $676,118.44

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