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Harrison Lilly Team

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

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8610 Surf Dr Unit 307 , Panama City, FL 32408
$445,000
Est. Payment: $2,458.56/mo
2 Bed
2 Bath
1000 Sqft
Status: Active | Days on site: 211
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BJAR - B2582
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

Gulf Front Unit situated on the 3rd floor. Unit #307 has been completely remodeled and updated. Unit features approximately 1,000+-SF with two bedrooms, two baths, large living room, kitchen (newly renovated), and stacked washer and dryer. Sit on your private balcony and enjoy the views to the Gulf of Mexico over the sandy beach and pristine sand dunes. Complex is well maintained and well managed.. Great primary home, second home or beach vacation rental. Whispering seas is a low density walk up complex (no elevators) with only three floors; 30 units and approximately 190 feet along the Gulf of Mexico. Pool is located gulf side with grilling stations, gazebo and picnic areas. Both the milestone report and structural integrity reserve study have been completed with no pending special assessments. Don't let this fully furnished and fully renovated unit pass.
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Highlights

Listed by Joan C Altenpohl , 850-624-3668 Coastal Real Estate Group, Inc , 850-230-3668. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

3433 Quarterly

Year Built

1987

County

Bay

Area

03 - Bay County - Beach

 Neighborhood

Whispering Seas

Listing ID

784487

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Washer/Dryer Stacked, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Balcony, See Remarks, Tub Shower

Exterior Features

Lot:Paved
Lot Dimensions:0 X 0
Zoning:Resort
Roof:Membrane,Metal
Sewer:Public Sewer
Parking Features:Paved,Parking Lot
Principal Interest
$2,459
Taxes
$277
HOA
$3,433

Home Price

$445,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$89,000
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:
$2,458.56

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,458.56 $276.67 $3,433.00 $6,168.23
Yearly $29,502.73 $3,320.00 $41,196.00 $74,018.73
Total $885,081.92 $99,600.00 $1,235,880.00 $2,220,561.92

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