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Harrison Lilly

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

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8817 S Thomas Drive A516 , Panama City, FL 32408
$239,000
Est. Payment: $1,212.16/mo
0 Bed
1 Bath
489 Sqft
Status: active | Days on site: 17
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Priced to Sell! Your Panama City Beach Investment Opportunity Awaits at Top of the Gulf - Unit A516. Seller will pay the HOA dues for the remainder of 2026 with a full asking offer!! Don't miss this incredible opportunity to own Unit A516 at Top of the Gulf, one of Panama City Beach's most affordable Gulf-front communities! Whether you're searching for a vacation getaway, a proven income-producing investment, or your own beach retreat, this condo offers exceptional value at a price point that's hard to beat. This well-maintained unit boasts a proven rental history, making it an ideal turnkey investment with immediate income potential. Guests love the unbeatable location on Thomas Drive, placing you just minutes from Panama City Beach's best attractions while enjoying direct beach access and resort-style amenities. The complex features a Gulf-front pool, fitness center, game room, picnic areas, and easy access to the sugar-white sands and emerald waters that make Panama City Beach a premier vacation destination. Convenience is another major highlight. You'll be just moments from an incredible selection of shopping, restaurants, entertainment, and family attractions. Plus, the exciting new Tootsie's Orchid Lounge is just a short walk away, giving owners and guests easy access to one of the area's newest entertainment hotspots. Whether you're adding to your investment portfolio or purchasing your first beach property, Unit A516 delivers the perfect combination of affordability, rental performance, and location. At this price, opportunities like this don't stay on the market long. Schedule your private showing today and start living the beach lifestyle while your investment works for you!

Highlights

Listed by Scott Suber , 850-830-3266 Beach Haven Realty , 770-596-6599. 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

793482

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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
Fireplaces:

Exterior Features

Lot Dimensions:0x0
Zoning:Resid Multi-Family, Resort
Sewer:Public Sewer
Parking Features:Additional Parking,Parking Lot
Principal Interest
$1,212
Taxes
$152
HOA
$525

Home Price

$239,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$47,800
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:
$1,212.16

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,212.16 $152.36 $525.00 $1,889.53
Yearly $14,545.95 $1,828.35 $6,300.00 $22,674.30
Total $436,378.65 $54,850.50 $189,000.00 $680,229.15

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