7428 Thomas Drive, Panama City, FL 32408 (MLS# 784109)

7428 Thomas Drive, Panama City, FL 32408

$939,999

Right across from Rick Seltzer Park, one of the nicest public beach accesses.

Massive 25' x 18' rooftop observation deck on third floor

3rd Floor with Bunks and living area with kitchenet.

Three story home with two balcony's. Gulf Views!!

Property Type: Residential Bedrooms: 4 Baths: 4 Square Footage: 2,375 Lot Size (sq. ft.): 2,962 Status: Active

Current Price: $939,999 List Date: 1/24/2026 Last Modified: 4/22/2026

Overview

Description

Located directly across Thomas Drive from Rick Seltzer Park, this three-story, 4-bedroom, 3.5-bath home offers exceptional proximity to one of the most desirable public beach accesses in Panama City Beach. The park provides dedicated beach frontage, lifeguards, showers, and ample parking, along with Gulf views from the home due to the protected frontage. Offered fully furnished, this coastal property features over $50,000 in recent upgrades, including brand-new composite decking and a new roof section beneath it. The flexible three-level layout includes multiple suites, a second-floor loft with built-ins, and a third-floor entertainment space with vaulted ceilings, wet bar, sleeper sofa, and custom-built queen bunkbeds. The main living area features 10' ceilings, tile flooring, crown molding, fireplace, and abundant natural light. The kitchen includes granite countertops, stainless appliances, wood cabinetry, breakfast bar, and walk-in pantry. Outdoor features include a privat … (Read more)

Listing Details MLS# 784109

Contract Info

List Price/SqFt: 395.79

Location

Area: 03 – Bay County – Beach
Street #: 7428
Street Name: Thomas
Street Suffix: Drive
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0323 – Beach – South of Grand Lagoon
Subdivision: Holiday Beach Unit 16
Community/Resort: Holiday Beach
Waterfront: No
Parcel ID: 30808-428-010
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: Home is located on Thomas Drive across the street from Rick Seltzer Park. House number is on arbor over the driveway.
Legal Description: HOLIDAY BEACH UNIT #16 WLY 1/2 OF LOT 2 BLK 17 ORB 4706 P 443

General Property Info

Sub-Type: Detached Single Family
Design: Beach House
Apx SqFt(Htd/Cooled): 2375
SqFt Source: Prop App Site
Full Baths: 3
Half Baths: Yes
Total Baths: 4
# of Stories in Building: 3
# of Units in Bldg: Yes
Year Built: 2005
Immediate Occupancy: Yes
Pre-Const Flip: No
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Lot Dimensions: 25×120
Acreage: 0.07
Lot Size (SqFt): 2962
Pool: Yes
Pool Type: Private

Listing Info, Tax and Legal

HOA Fee: No
New Buyer Fee: No
Last Taxes: 7589
Last Tax Year: 2025
Block: 17
Brokerage Interest: No Interest
Section: 8
Range: 15W

Remarks & Misc

Remarks: Located directly across Thomas Drive from Rick Seltzer Park, this three-story, 4-bedroom, 3.5-bath home offers exceptional proximity to one of the most desirable public beach accesses in Panama City Beach. The park provides dedicated beach frontage, lifeguards, showers, and ample parking, along with Gulf views from the home due to the protected frontage. Offered fully furnished, this coastal property features over $50,000 in recent upgrades, including brand-new composite decking and a new roof section beneath it. The flexible three-level layout includes multiple suites, a second-floor loft with built-ins, and a third-floor entertainment space with vaulted ceilings, wet bar, sleeper sofa, and custom-built queen bunkbeds. The main living area features 10' ceilings, tile flooring, crown molding, fireplace, and abundant natural light. The kitchen includes granite countertops, stainless appliances, wood cabinetry, breakfast bar, and walk-in pantry. Outdoor features include a private fenced backyard with heated saltwater pool and a 25' rooftop observation deck with Gulf views. Pool equipment includes a Wi-Fi-controlled Circupool salt generator, Hayward 2500 heater, and sand filter. Additional features include Navien gas tankless water heater, aluminum hurricane shutters, laundry room with washer and dryer, parking for 4+ vehicles, and a layout that accommodates large groups. Previously used as a short-term rental with strong historical income potential. Offered turnkey.

Balcony

Third: Yes

More Information

Dining Room

First: Yes

Great Room

Third: Yes

Master Bathroom

Second: Yes

Pool Features

Fenced: Yes
Gunite Concrete: Yes
Heated – Gas: Yes
Inground: Yes
Saltwater: Yes

Appliances

Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Microwave: Yes
Oven – Electric: Yes
Range – Electric: Yes
Refrigerator: Yes
Washer: Yes
Water Heater – Tankless: Yes

Interior Features

Breakfast Bar: Yes
Ceiling – Cathedral: Yes
Ceiling – Crwn Molding: Yes
Fireplace: Yes
Floor – Hardwood: Yes
Floor – Tile: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes
Pantry: Yes
Wet Bar: Yes
Window – Treatment All: Yes

Construction/Siding

Roof – Metal: Yes
Siding – Hardie Board: Yes

Exterior

Balcony: Yes
Deck Covered: Yes
Deck Open: Yes
Double Pane Windows: Yes
Fenced Back Yard: Yes
Fenced Privacy: Yes
Hurricane Shutters: Yes
Patio Open: Yes
Porch Covered: Yes

Financing

Cash: Yes
Conventional: Yes
VA: Yes

Furnished

Furnished: Yes

Interior

Smart Thermostat: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

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

Lot Access

County Road: Yes
Paved Road: Yes

Parking Features

Driveway: Yes
Gravel: Yes
Paver Block: Yes

Mstr Bath / Mstr Bdrm

MBath Separate Shwr: Yes
MBath Whirlpool: Yes
MBed Balcony: Yes

Present Zoning

County: Yes

Rooms

Balcony: Yes
Bedroom: Yes
Dining Room: Yes
Great Room: Yes
Kitchen: Yes
Living Room: Yes
Master Bathroom: Yes
Master Bedroom: Yes

Showing

ShowingTime: Yes

Utilities

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

Waterview

Gulf: Yes

Master Bedroom

Second: Yes

Bedroom

First: Yes
Second: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes
Fireplace – Gas: Yes

Property Features

Appliances: Dishwasher; Disposal; Dryer; Microwave; Oven – Electric; Range – Electric; Refrigerator; Washer; Water Heater – Tankless Master Bedroom: Second Bedroom: First; Second Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric; Fireplace – Gas Exterior: Balcony; Deck Covered; Deck Open; Double Pane Windows; Fenced Back Yard; Fenced Privacy; Hurricane Shutters; Patio Open; Porch Covered Financing: Cash; Conventional; VA Furnished: Furnished Interior: Smart Thermostat Kitchen: First Living Room: First Lot Features: Near Beach Access; Near Public Boat Ramp; Within 1/2 Mile to Water Lot Access: County Road; Paved Road Balcony: Third Master Bathroom: Second Dining Room: First Great Room: Third Pool Features: Fenced; Gunite Concrete; Heated – Gas; Inground; Saltwater Parking Features: Driveway; Gravel; Paver Block Rooms: Balcony; Bedroom; Dining Room; Great Room; Kitchen; Living Room; Master Bathroom; Master Bedroom Showing: ShowingTime Utilities: Electricity – Connected; Natural Gas – Connected; Public Sewer – Connected; Public Water – Connected Waterview: Gulf Present Zoning: County

Room Information

Room Name	Level	Dimensions	Length	Width
Living Room	First	18 x 13	18.00	13.00
Kitchen	First	13 x 11	13.00	11.00
Dining Room	First	13 x 7	13.00	7.00
Bedroom	First	12 x 11	12.00	11.00
Master Bedroom	Second	16 x 14	16.00	14.00
Master Bathroom	Second	14 x 9	14.00	9.00
Bedroom	Second	17 x 12	17.00	12.00
Great Room	Third	25 x 18	25.00	18.00
Balcony	Third	23 x 18	23.00	18.00

Listing Office: Coastal Choice Realty LLC

Last Updated: April – 22 – 2026

Information deemed reliable but not guaranteed.