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Harrison Lilly Team

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

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8730 Thomas Dr Unit 412 , Panama City, FL 32408
$395,000
Est. Payment: $2,182.32/mo
3 Bed
3 Bath
1322 Sqft
Status: Active | Days on site: 57
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to this beautifully updated 3-bedroom, 3-bathroom two-story condo in the gated Villas of St. Thomas Square, offering the perfect blend of comfort, style, and coastal living. Nestled in a private oasis just a short stroll from the sugar-white sands and emerald waters of the Gulf, this turnkey property features a completely renovated interior with new kitchen appliances, cabinets, countertops, flooring throughout the living areas, bedrooms, kitchen, and staircase, as well as fresh paint throughout. The bathrooms have been upgraded with new cabinetry and lighting, while all-new furnishings and a newer HVAC system provide added convenience and value. Relax and unwind on your private balcony, day or night, and enjoy an impressive array of community amenities, including a boat dock with access to St. Andrews Bay and the Gulf, a swimming pool, tennis courts, clubhouse, sauna, BBQ area, and firepit. This secure gated community is ideally located near restaurants, a winery, shopping, entertainment, and all the attractions Panama City Beach has to offer, making it an exceptional primary residence, vacation getaway, or investment opportunity. All dimensions are approximate and should be verified if important.

Highlights

Listed by Gene Ursprung P.A. , 850-890-1350 and Jennifer L Ursprung , 850-890-1349 Beach Time Realty, Inc , 850-381-3156. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

2878 Quarterly

Year Built

1984

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Villas Of St. Thomas 4

Listing ID

791537

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Cooktop, Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Tub Shower, Upper Level Primary

Exterior Features

Lot:Paved
Lot Dimensions:Condo
Zoning:Resid Multi-Family
Sewer:Public Sewer
Parking Features:Gated,Paved,Parking Lot
Principal Interest
$2,182
Taxes
$252
HOA
$2,878

Home Price

$395,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$79,000
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:
$2,182.32

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,182.32 $251.81 $2,878.00 $5,312.13
Yearly $26,187.82 $3,021.75 $34,536.00 $63,745.57
Total $785,634.52 $90,652.50 $1,036,080.00 $1,912,367.02

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