8517 Surf Drive 203, Panama City, FL 32408 (MLS# 784524)

8517 Surf Drive 203, Panama City, FL 32408

$475,000

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Property Type: Residential Bedrooms: 1 Baths: 1 Square Footage: 1,060 Status: Active

Current Price: $475,000 List Date: 2/02/2026 Last Modified: 6/26/2026

Overview

Description

Gulf-Front Living at Its Finest – On the Beach! Experience coastal paradise from this rarely available gulf-front, low-rise condominium located on the 2nd floor (top floor), just steps from the sugar-white sands and surf of the Gulf of Mexico. Wake up to the soothing sound of waves and water views from your private balcony — the perfect place for morning coffee or evening sunsets. Inside, enjoy an open, light-filled layout with thoughtful updates throughout. The kitchen and living areas flow seamlessly, ideal for both relaxed living and entertaining guests. Amazing wood-like tile through the entire home. The kitchen boasts beautiful cabinetry, a copper apron sink, and stunning quartz countertops. Also matching copper backsplash and a high-end Whirlpool appliance package. A spacious en-suite with walk-in-closet. Currently a permanent residence and pride of ownership shows throughout. Previously a 2 bath and owners coverted to 1 bath, could easily be changed back and owners have the m … (Read more)

Listing Details MLS# 784524

Contract Info

List Price/SqFt: 448.11

Location

Area: 03 – Bay County – Beach
Street #: 8517
Street Name: Surf
Street Suffix: Drive
Unit #: 203
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0323 – Beach – South of Grand Lagoon
Subdivision: [No Recorded Subdiv]
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 30470-070-000
Elementary School: Breakfast Point
Middle School: Breakfast Point
High School: Arnold
Directions: South on Thomas Drive to left on Bonita Street, right on Surf Drive, Condos immediately on your left – Beach Side
Legal Description: PANAMA CITY BEACH SURF CLUB UNIT 203 ORB 1278 P 1617 2BR 1B 1004 H&C ORB 3659 P 921 (1BR) 1B SAME SQ FT – CHG FR . 2BR

General Property Info

Sub-Type: Condominium
Floor Number: 2
Design: Low-Rise (1-3 floors)
Apx SqFt(Htd/Cooled): 1060
SqFt Source: Prop App Site
Full Baths: Yes
Total Baths: Yes
Year Built: 1990
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Lot Dimensions: 0x0
Pool: No

Waterfront Feature

Waterfront Feet: 80

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: Yes
HOA Amount: 5000
HOA Frequency: Annually
HOA Annual Amount: 5000
New Buyer Fee: No
Last Taxes: 2283
Last Tax Year: 2025
Brokerage Interest: No Interest
Condo Doc: Yes

Remarks & Misc

Remarks: Gulf-Front Living at Its Finest – On the Beach! Experience coastal paradise from this rarely available gulf-front, low-rise condominium located on the 2nd floor (top floor), just steps from the sugar-white sands and surf of the Gulf of Mexico. Wake up to the soothing sound of waves and water views from your private balcony — the perfect place for morning coffee or evening sunsets. Inside, enjoy an open, light-filled layout with thoughtful updates throughout. The kitchen and living areas flow seamlessly, ideal for both relaxed living and entertaining guests. Amazing wood-like tile through the entire home. The kitchen boasts beautiful cabinetry, a copper apron sink, and stunning quartz countertops. Also matching copper backsplash and a high-end Whirlpool appliance package. A spacious en-suite with walk-in-closet. Currently a permanent residence and pride of ownership shows throughout. Previously a 2 bath and owners coverted to 1 bath, could easily be changed back and owners have the matching flooring.on the second story offers elevated views while still providing easy access. The current owners have the living space set up as the master bedroom to wake up to the view! This well-maintained condo is part of a low-density community that enhances privacy and charm while placing you in close proximity to local dining, shopping, and entertainment options. It may have the lowest association fees that you will find anywhere. Hvac and water heater are less than 4 years old. Whether you're seeking a permanent residence, vacation escape, or investment property, this Gulf-front gem delivers unparalleled beach lifestyle living. Don't miss your chance to own a piece of coastal bliss!

More Information

Appliances

Oven – Electric: Yes
Water Heater – Electric: Yes

Interior Features

Ceiling – Crwn Molding: Yes
Floor – Tile: Yes
Window – Treatment All: Yes

Exterior

Balcony: Yes

Association Fees Include

Accounting: Yes
Ground Keeping: Yes
Repairs/Maintenance: Yes

Financing

Cash: Yes
Conventional: Yes

Furnished

Unfurnished: Yes

Lot Access

City Street: Yes
Private Road: Yes

Parking Features

Assigned: Yes

Present Zoning

Resid Multi-Family: Yes

Association Amenities

Waterfront: Yes

Rooms

Bedroom: Yes

Utilities

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

Waterview

Gulf: Yes

Waterfront Type

Gulf: Yes

Bedroom

First: Yes

Cooling

Central Air: Yes

Heating

Central: Yes

Primary Bdrm/Primary Bath

MBed Walk-in Closet: Yes

Property Features

Appliances: Oven – Electric; Water Heater – Electric Bedroom: First Cooling: Central Air Heating: Central Exterior: Balcony Association Fees Include: Accounting; Ground Keeping; Repairs/Maintenance Financing: Cash; Conventional Furnished: Unfurnished Lot Access: City Street; Private Road Parking Features: Assigned Association Amenities: Waterfront Rooms: Bedroom Utilities: Electricity – Connected; Public Sewer – Connected; Public Water – Connected Waterfront Type: Gulf Waterview: Gulf Present Zoning: Resid Multi-Family

Room Information

Room Name	Level	Dimensions	Length	Width
Bedroom	First	20 x 17	20.00	17.00

Listing Office: Northwest Florida Realty, LLC

Last Updated: June – 26 – 2026

Information deemed reliable but not guaranteed.