5522 Thomas Drive, Panama City, FL 32408 (MLS# 786911)

5522 Thomas Drive, Panama City, FL 32408

$999,000

Property Type: Residential Bedrooms: 4 Baths: 4 Square Footage: 2,095 Lot Size (sq. ft.): 5,663 Status: Active

Current Price: $999,000 List Date: 3/17/2026 Last Modified: 4/06/2026

Overview

Description

Gulf-View Coastal Retreat | Prime Investment + Luxury Living Welcome to your private tropical oasis–this beautifully updated and professionally designed home offers stunning Gulf views, exceptional indoor-outdoor living, and outstanding short-term rental potential in one of the most desirable areas along Thomas Drive. Thoughtfully curated with high-end finishes, lush landscaping, and inviting entertaining spaces, this property is built to impress both owners and guests alike. The open-concept living, dining, and kitchen area on the second floor is filled with natural light and flows seamlessly onto a spacious balcony–perfect for taking in Gulf views and coastal breezes. With two master suites plus two additional generously sized bedrooms, this home comfortably accommodates large groups, maximizing occupancy and rental income. The first-floor master suite features a private entrance and lock-out capability, creating the ideal setup for a separate rental unit or flexible guest qua … (Read more) Gulf-View Coastal Retreat | Prime Investment + Luxury Living Welcome to your private tropical oasis–this beautifully updated and professionally designed home offers stunning Gulf views, exceptional indoor-outdoor living, and outstanding short-term rental potential in one of the most desirable areas along Thomas Drive. Thoughtfully curated with high-end finishes, lush landscaping, and inviting entertaining spaces, this property is built to impress both owners and guests alike. The open-concept living, dining, and kitchen area on the second floor is filled with natural light and flows seamlessly onto a spacious balcony–perfect for taking in Gulf views and coastal breezes. With two master suites plus two additional generously sized bedrooms, this home comfortably accommodates large groups, maximizing occupancy and rental income. The first-floor master suite features a private entrance and lock-out capability, creating the ideal setup for a separate rental unit or flexible guest quarters–an investor’s dream for dual-income potential. Step outside to your own fenced backyard retreat, complete with a 7-person hot tub, designed for relaxation and memorable guest experiences that drive repeat bookings and top-tier reviews. Located just steps from the beach and minutes from dining, entertainment, and outdoor adventure–including St. Andrews State Park–this home offers the perfect balance of privacy and accessibility in a high-demand vacation market. Investment Highlights: • Strong Airbnb / VRBO income potential • Flexible lock-out floor plan for multiple revenue streams • Gulf views + walkable beach access (premium nightly rates) • Turnkey condition–ideal for immediate rental or personal use • Located in a proven high-demand vacation rental corridor. Whether you’re looking for a high-performing investment or a luxurious coastal escape, this property truly offers the best of both worlds. (Buyer to verify all information and dimensions deemed important.)

Listing Details MLS# 786911

Contract Info

List Price/SqFt: 476.85

Location

Area: 03 – Bay County – Beach
Street #: 5522
Street Name: Thomas
Street Suffix: Drive
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0323 – Beach – South of Grand Lagoon
Subdivision: Gulf Lagoon Beach
Community/Resort: None
Waterfront: No
Parcel ID: 32363-000-000
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: Heading South on Thomas Drive from 98, cross the Grand Lagoon bridge by Captain Andersons. Follow Thomas Drive around to the West.
Legal Description: GULF LAGOON BEACH LOT 3 BLK 16 ORB 4615 P 272

General Property Info

Sub-Type: Detached Single Family
Design: Beach House
Apx SqFt(Htd/Cooled): 2095
SqFt Source: Prop App Site
Full Baths: 3
Half Baths: Yes
Total Baths: 4
Year Built: 2019
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Lot Dimensions: 50 x 110
Acreage: 0.13
Lot Size (SqFt): 5663
Pool: No

Listing Info, Tax and Legal

HOA Fee: No
New Buyer Fee: No
Last Taxes: 7430
Last Tax Year: 2025
Brokerage Interest: No Interest

Remarks & Misc

Remarks: Gulf-View Coastal Retreat | Prime Investment + Luxury Living Welcome to your private tropical oasis–this beautifully updated and professionally designed home offers stunning Gulf views, exceptional indoor-outdoor living, and outstanding short-term rental potential in one of the most desirable areas along Thomas Drive. Thoughtfully curated with high-end finishes, lush landscaping, and inviting entertaining spaces, this property is built to impress both owners and guests alike. The open-concept living, dining, and kitchen area on the second floor is filled with natural light and flows seamlessly onto a spacious balcony–perfect for taking in Gulf views and coastal breezes. With two master suites plus two additional generously sized bedrooms, this home comfortably accommodates large groups, maximizing occupancy and rental income. The first-floor master suite features a private entrance and lock-out capability, creating the ideal setup for a separate rental unit or flexible guest quarters–an investor's dream for dual-income potential. Step outside to your own fenced backyard retreat, complete with a 7-person hot tub, designed for relaxation and memorable guest experiences that drive repeat bookings and top-tier reviews. Located just steps from the beach and minutes from dining, entertainment, and outdoor adventure–including St. Andrews State Park–this home offers the perfect balance of privacy and accessibility in a high-demand vacation market. Investment Highlights: • Strong Airbnb / VRBO income potential • Flexible lock-out floor plan for multiple revenue streams • Gulf views + walkable beach access (premium nightly rates) • Turnkey condition–ideal for immediate rental or personal use • Located in a proven high-demand vacation rental corridor. Whether you're looking for a high-performing investment or a luxurious coastal escape, this property truly offers the best of both worlds. (Buyer to verify all information and dimensions deemed important.)

Balcony

Second: Yes

More Information

Great Room

Second: Yes

Pool Features

Spa/ Hot Tub: Yes

Appliances

Bar Fridge: Yes
Cooktop – Electric: Yes
Dishwasher: Yes
Disposal: Yes
Microwave: Yes
Oven – Electric: Yes
Refrigerator: Yes

Interior Features

Floor – Vinyl Plank: Yes
Guest Quarters: Yes
Kitchen Island: Yes
Lock Out Unit: Yes

Exterior

Balcony: Yes
Deck Open: Yes
Fenced Back Yard: Yes
Shower: Yes
Patio Open: Yes

Furnished

Furnished: Yes

Lot Features

Near Beach Access: Yes
Within 1/2 Mile to Water: Yes

Lot Access

Paved Road: Yes

Rooms

Balcony: Yes
Great Room: Yes
Master Bedroom: Yes

Utilities

Electricity – Connected: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Waterview

Gulf: Yes

Master Bedroom

First: Yes
Second: Yes

Property Features

Appliances: Bar Fridge; Cooktop – Electric; Dishwasher; Disposal; Microwave; Oven – Electric; Refrigerator Master Bedroom: First; Second Exterior: Balcony; Deck Open; Fenced Back Yard; Shower; Patio Open Furnished: Furnished Lot Features: Near Beach Access; Within 1/2 Mile to Water Lot Access: Paved Road Balcony: Second Great Room: Second Pool Features: Spa/ Hot Tub Rooms: Balcony; Great Room; Master Bedroom Utilities: Electricity – Connected; Public Sewer – Connected; Public Water – Connected Waterview: Gulf

Room Information

Room Name	Level	Dimensions	Length	Width
Master Bedroom	First	17 x 15	17.00	15.00
Master Bedroom	Second	15 x 12	15.00	12.00
Great Room	Second	14 x 24	14.00	24.00
Balcony	Second	24 x 10	24.00	10.00

Listing Office: Beachy Beach Real Estate

Last Updated: April – 06 – 2026

Information deemed reliable but not guaranteed.