8205 Surf Drive, Panama City, FL 32408 (MLS# 769495)

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

Overview

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 spa … (Read more) 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)

Listing Details MLS# 769495

Contract Info

List Price/SqFt: 1001.71

Location

Area: 03 – Bay County – Beach
Street #: 8205
Street Name: Surf
Street Suffix: Drive
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0323 – Beach – South of Grand Lagoon
Subdivision: Bel Air
Community/Resort: Bel Air
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 30437-020-000
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: East on Thomas Drive, turn right onto Cobia Street and go to stop sign.
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

Sub-Type: Detached Single Family
Design: Florida Cottage
Apx SqFt(Htd/Cooled): 2920
SqFt Source: Owner Measured
Full Baths: 4
Half Baths: Yes
Total Baths: 5
Year Built: 2013
Immediate Occupancy: Yes
Pre-Const Flip: No
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Lot Dimensions: 40 X 150
Acreage: 0.14
Lot Size (SqFt): 6273
Pool: Yes
Pool Type: Private

Waterfront Feature

Waterfront Feet: 40
Shore – Beach: Yes

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

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)

More Information

Dining Room

First: Yes

Laundry

First: Yes

Master Bathroom

First: Yes

Pool Features

Inground: Yes
Spa/ Hot Tub: Yes

Recreation Room

Second: Yes

Appliances

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

Interior Features

Breakfast Bar: Yes
Floor – Tile: Yes
Lighting – Recessed: Yes
Lock Out Closet: Yes
Window – Treatment Some: Yes

Construction/Siding

Foundation – On Piling: Yes
Roof – Metal: Yes
Siding – Hardie Board: Yes
Trim – Hardie Board: Yes

Exterior

Deck Covered: Yes
Shower: Yes
Patio Covered: Yes

Financing

Cash: Yes
Conventional: Yes
FHA: Yes

Furnished

Furnished: Yes

Interior

Bunk Room: Yes

Kitchen

First: Yes

Lot Features

Waterfront: Yes

Lot Access

County Road: Yes

Parking Features

Driveway: Yes

Mstr Bath / Mstr Bdrm

MBed First Floor: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Dining Room: Yes
Full Bathroom: Yes
Half Bathroom: Yes
Kitchen: Yes
Laundry: Yes
Master Bathroom: Yes
Master Bedroom: Yes
Recreation Room: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Natural Gas – Available: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Waterview

Gulf: Yes
Unobstructed: Yes

Sale Type

As Is: Yes

Full Bathroom

First: Yes

Half Bathroom

First: Yes

Waterfront Type

Gulf: Yes

Master Bedroom

First: Yes

Bedroom

First: Yes
Second: Yes

Cooling

Central Air: Yes

Heating

Central: Yes

Security Features

Smoke Detector(s): Yes

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

Room Name	Level	Dimensions	Length	Width
Master Bedroom	First	13.8 x 12	13.80	12.00
Bedroom	First	11.4 x 11.1	11.40	11.10
Bedroom	Second	11.6 x 11.5	11.60	11.50
Bedroom	Second	11.5 x 11	11.50	11.00
Kitchen	First	11.4 x 11	11.40	11.00
Dining Room	First	11.4 x 11	11.40	11.00
Recreation Room	Second	19.4 x 12.4	19.40	12.40
Master Bathroom	First	8.8 x 5	8.80	5.00
Full Bathroom	First	8.1 x 5	8.10	5.00
Half Bathroom	First	5.2 x 5	5.20	5.00
Laundry	First	5 x 4	5.00	4.00

Listing Office: Counts Real Estate Group Inc

Last Updated: February – 23 – 2026

Information deemed reliable but not guaranteed.