8205 Surf Drive, Panama City, FL 32408
$2,925,000
Property Type:
Residential
Bedrooms:
6
Baths:
5
Square Footage:
2,920
Lot Size (sq. ft.):
6,273
Status:
Active
Current Price:
$2,925,000
List Date:
2/27/2025
Last Modified:
2/23/2026
Description
Gulf-Front Oasis with Private Saltwater Pool & Excellent Rental Income!
This stunning 6-bedroom, 4.5-bath beachfront home offers the ultimate luxury coastal living experience, sitting directly on the sugar-white sands of Panama City Beach–zero steps to the beach! With approximately 2,850 sq. ft., this beautifully designed home provides expansive Gulf views from nearly every room. The open-concept floor plan features a nice kitchen and a spacious living room and dining area, perfect for large gatherings. The living area is bright and airy, with large windows that capture breathtaking sunset views over the Emerald Coast.
The two king bedrooms on the main floor are en suite.
Upstairs, the four bedrooms offer ample space for guests, each designed with comfort and relaxation in mind; they provide flexibility for families or rental guests, ensuring everyone has their own space to unwind.
Step outside to over 1,800 sq. ft. of outdoor decking, including 450 sq. ft. of covered space, ideal for enjoying the soothing sound of the waves or escaping the midday sun. The private saltwater pool is the perfect place to cool off while taking in the unobstructed views of the Gulf of America. With ample parking for boats, motorcycles, or RVs, this home is designed for both relaxation and adventure.
Whether you’re looking for a primary residence, vacation home, or a high-income rental investment, this property delivers! Proven rental history makes it a turnkey investment opportunity, generating strong and consistent revenue.
Located on Surf Drive, this home is just steps from Captain Jack’s Crab Leg Buffet and minutes from some of the area’s best dining and entertainment, including Schooner’s, Grand Marlin and Captain Anderson’s. Enjoy easy access to St. Andrews Bay, Shell Island, fishing charters, golf courses, and family attractions.
This is your chance to own a piece of paradise on Panama City Beach–schedule your private showing today! $352263 in the books for 2025 and $278000 for 2026 (as of February 20, 2026)
More Information MLS# 769495
Listing Info, Tax and Legal
Homestead: No
HOA Fee: No
Is Subject Leased: No
New Buyer Fee: No
Last Taxes: 17831
Last Tax Year: 2024
Brokerage Interest: No Interest
As Is: Yes
Contract Info
List Price/SqFt: 1001.71
Status: Active
List Date: 2025-02-07
List Price: $2,925,000
Current Price: $2,925,000
Location
Sub Area: 0323 – Beach – South of Grand Lagoon
Community/Resort: Bel Air
Waterfront: Yes
Gulf Access: Yes
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: East on Thomas Drive, turn right onto Cobia Street and go to stop sign.
Area: 03 – Bay County – Beach
Street #: 8205
Street Name: Surf
Street Suffix: Drive
State: FL
Zip Code: 32408
County: Bay
Subdivision: Bel Air
Parcel ID: 30437-020-000
Legal Description: BEL AIR (29.1B) BEG AT NLY COR LOT 29 BLK 18 TH SELY ALG S ROW LI OF SURF DR 84.30′ FOR POB TH CONT SELY 40′, S37-55W 116.50′, S37-55W 44.78′, N52-33W 38′ N37-12E’ 161.62′ TO POB ORB 3657 P 1632
General Property Info
Acreage: 0.14
Design: Florida Cottage
Lot Size (SqFt): 6273
Apx SqFt(Htd/Cooled): 2920
Immediate Occupancy: Yes
Construction Status: Construction Complete
SqFt Source: Owner Measured
Half Baths: 1
Pre-Const Flip: No
Lot Dimensions: 40 X 150
New Construction: No
Garage Y/N: No
Pool: Yes
Pool Type: Private
Sub-Type: Detached Single Family
Bedrooms: 6
Full Baths: 4
Total Baths: 5
Year Built: 2013
Remarks & Misc
Remarks: Gulf-Front Oasis with Private Saltwater Pool & Excellent Rental Income!
This stunning 6-bedroom, 4.5-bath beachfront home offers the ultimate luxury coastal living experience, sitting directly on the sugar-white sands of Panama City Beach–zero steps to the beach! With approximately 2,850 sq. ft., this beautifully designed home provides expansive Gulf views from nearly every room. The open-concept floor plan features a nice kitchen and a spacious living room and dining area, perfect for large gatherings. The living area is bright and airy, with large windows that capture breathtaking sunset views over the Emerald Coast.
The two king bedrooms on the main floor are en suite.
Upstairs, the four bedrooms offer ample space for guests, each designed with comfort and relaxation in mind; they provide flexibility for families or rental guests, ensuring everyone has their own space to unwind.
Step outside to over 1,800 sq. ft. of outdoor decking, including 450 sq. ft. of covered space, ideal for enjoying the soothing sound of the waves or escaping the midday sun. The private saltwater pool is the perfect place to cool off while taking in the unobstructed views of the Gulf of America. With ample parking for boats, motorcycles, or RVs, this home is designed for both relaxation and adventure.
Whether you’re looking for a primary residence, vacation home, or a high-income rental investment, this property delivers! Proven rental history makes it a turnkey investment opportunity, generating strong and consistent revenue.
Located on Surf Drive, this home is just steps from Captain Jack’s Crab Leg Buffet and minutes from some of the area’s best dining and entertainment, including Schooner’s, Grand Marlin and Captain Anderson’s. Enjoy easy access to St. Andrews Bay, Shell Island, fishing charters, golf courses, and family attractions.
This is your chance to own a piece of paradise on Panama City Beach–schedule your private showing today! $352263 in the books for 2025 and $278000 for 2026 (as of February 20, 2026)
Dining Room
First: 1
Laundry
First: 1
Master Bathroom
First: 1
Pool Features
Inground: 1
Spa/ Hot Tub: 1
Recreation Room
Second: 1
Appliances
Dishwasher: 1
Disposal: 1
Dryer: 1
Microwave: 1
Oven – Electric: 1
Range – Electric: 1
Refrigerator: 1
Washer: 1
Water Heater – Electric: 1
Interior Features
Breakfast Bar: 1
Floor – Tile: 1
Lighting – Recessed: 1
Lock Out Closet: 1
Window – Treatment Some: 1
Construction/Siding
Foundation – On Piling: 1
Roof – Metal: 1
Siding – Hardie Board: 1
Trim – Hardie Board: 1
Exterior
Deck Covered: 1
Shower: 1
Patio Covered: 1
Waterfront Feature
Shore – Beach: 1
Waterfront Feet: 40
Financing
Cash: 1
Conventional: 1
FHA: 1
Furnished
Furnished: 1
Interior
Bunk Room: 1
Kitchen
First: 1
Lot Features
Waterfront: 1
Lot Access
County Road: 1
Parking Features
Driveway: 1
Mstr Bath / Mstr Bdrm
MBed First Floor: 1
Present Zoning
Resid Single Family: 1
Rooms
Bedroom: 1
Dining Room: 1
Full Bathroom: 1
Half Bathroom: 1
Kitchen: 1
Laundry: 1
Master Bathroom: 1
Master Bedroom: 1
Recreation Room: 1
Utilities
TV Cable: 1
Electricity – Connected: 1
Natural Gas – Available: 1
Public Sewer – Connected: 1
Public Water – Connected: 1
Waterview
Gulf: 1
Unobstructed: 1
Sale Type
As Is: 1
Full Bathroom
First: 1
Half Bathroom
First: 1
Waterfront Type
Gulf: 1
Master Bedroom
First: 1
Bedroom
First: 1
Second: 1
Cooling
Central Air: 1
Heating
Central: 1
Security Features
Smoke Detector(s): 1
Property Features
Appliances: Dishwasher; Disposal; Dryer; Microwave; Oven – Electric; Range – Electric; Refrigerator; Washer; Water Heater – Electric
Full Bathroom: First
Half Bathroom: First
Master Bedroom: First
Bedroom: First; Second
Cooling: Central Air
Heating: Central
Exterior: Deck Covered; Shower; Patio Covered
Financing: Cash; Conventional; FHA
Furnished: Furnished
Interior: Bunk Room
Kitchen: First
Lot Features: Waterfront
Lot Access: County Road
Master Bathroom: First
Dining Room: First
Laundry: First
Pool Features: Inground; Spa/ Hot Tub
Recreation Room: Second
Security Features: Smoke Detector(s)
Parking Features: Driveway
Rooms: Bedroom; Dining Room; Full Bathroom; Half Bathroom; Kitchen; Laundry; Master Bathroom; Master Bedroom; Recreation Room
Sale Type: As Is
Utilities: TV Cable; Electricity – Connected; Natural Gas – Available; Public Sewer – Connected; Public Water – Connected
Waterfront Type: Gulf
Waterfront Feature: Shore – Beach
Waterview: Gulf; Unobstructed
Present Zoning: Resid Single Family
Room Information
Master Bedroom
Level: First
Dimensions: 13.8 x 12
Length: 13.80
Width: 12.00
Dimensions: 13.8 x 12
Bedroom
Level: First
Dimensions: 11.4 x 11.1
Length: 11.40
Width: 11.10
Dimensions: 11.4 x 11.1
Bedroom
Level: Second
Dimensions: 11.6 x 11.5
Length: 11.60
Width: 11.50
Dimensions: 11.6 x 11.5
Bedroom
Level: Second
Dimensions: 11.5 x 11
Length: 11.50
Width: 11.00
Dimensions: 11.5 x 11
Kitchen
Level: First
Dimensions: 11.4 x 11
Length: 11.40
Width: 11.00
Dimensions: 11.4 x 11
Dining Room
Level: First
Dimensions: 11.4 x 11
Length: 11.40
Width: 11.00
Dimensions: 11.4 x 11
Recreation Room
Level: Second
Dimensions: 19.4 x 12.4
Length: 19.40
Width: 12.40
Dimensions: 19.4 x 12.4
Master Bathroom
Level: First
Dimensions: 8.8 x 5
Length: 8.80
Width: 5.00
Dimensions: 8.8 x 5
Full Bathroom
Level: First
Dimensions: 8.1 x 5
Length: 8.10
Width: 5.00
Dimensions: 8.1 x 5
Half Bathroom
Level: First
Dimensions: 5.2 x 5
Length: 5.20
Width: 5.00
Dimensions: 5.2 x 5
Laundry
Level: First
Dimensions: 5 x 4
Length: 5.00
Width: 4.00
Dimensions: 5 x 4
Listing Office:
Counts Real Estate Group Inc
Last Updated: February – 23 – 2026
Information deemed reliable but not guaranteed.