8610 Surf Drive 307, Panama City, FL 32408 (MLS# 784487)

8610 Surf Drive 307, Panama City, FL 32408

$449,000

Property Type: Residential Bedrooms: 2 Baths: 2 Square Footage: 1,000 Status: Active

Current Price: $449,000 List Date: 2/01/2026 Last Modified: 5/30/2026

Overview

Description

Gulf Front Unit situated on the 3rd floor. Unit #307 has been completely remodeled and updated. Unit features approximately 1,000+-SF with two bedrooms, two baths, large living room, kitchen (newly renovated), and stacked washer and dryer. Sit on your private balcony and enjoy the views to the Gulf of Mexico over the sandy beach and pristine sand dunes. Complex is well maintained and well managed.. Great primary home, second home or beach vacation rental. Whispering seas is a low density walk up complex with only three floors; 30 units and approximately 190 feet along the Gulf of Mexico. Pool is located gulf side with grilling stations, gazebo and picnic areas. Both the milestone report and structural integrity reserve study have been completed with no pending special assessments. Don’t let this fully furnished and fully renovated unit pass.

Listing Details MLS# 784487

Contract Info

List Price/SqFt: 449

Location

Area: 03 – Bay County – Beach
Street #: 8610
Street Name: Surf
Street Suffix: Drive
Unit #: 307
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0323 – Beach – South of Grand Lagoon
Subdivision: Whispering Seas
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 30464-081-060
Elementary School: Breakfast Point
Middle School: Breakfast Point
High School: Arnold
Directions: West on Thomas Drive and left on Surf Drive. (Joan Avenue turns into Surf Drive.) Whispering Seas will be on your right it is a three story building.
Legal Description: WHISPERING SEAS UNIT 307 ORB 1185 P 1755 ORB 2296 1BR 1B 1000 H&C P 1025

General Property Info

Sub-Type: Condominium
Floor Number: 3
Design: Low-Rise (1-3 floors)
Apx SqFt(Htd/Cooled): 1000
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
# of Stories in Building: 3
# of Units in Bldg: 30
Year Built: 1987
Immediate Occupancy: Yes
Pre-Const Flip: No
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Driveway Spaces: Yes
Lot Dimensions: 0 X 0
Beach Frontage: 190
Pool: Yes
Pool Type: Private
Association Fee/Month: 1144

Waterfront Feature

Waterfront Feet: 190 for Complex
Shore – Beach: Yes
Shore – Natural: Yes

Listing Info, Tax and Legal

Homestead: No
HOA Fee: Yes
HOA Amount: 3433
HOA Frequency: Quarterly
HOA Annual Amount: 13732
Senior Community: No
Is Subject Leased: No
New Buyer Fee: No
Last Taxes: 3320
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Section: 6
Township: 4S
Range: 15W
Condo Doc: Yes

Remarks & Misc

Remarks: Gulf Front Unit situated on the 3rd floor. Unit #307 has been completely remodeled and updated. Unit features approximately 1,000+-SF with two bedrooms, two baths, large living room, kitchen (newly renovated), and stacked washer and dryer. Sit on your private balcony and enjoy the views to the Gulf of Mexico over the sandy beach and pristine sand dunes. Complex is well maintained and well managed.. Great primary home, second home or beach vacation rental. Whispering seas is a low density walk up complex with only three floors; 30 units and approximately 190 feet along the Gulf of Mexico. Pool is located gulf side with grilling stations, gazebo and picnic areas. Both the milestone report and structural integrity reserve study have been completed with no pending special assessments. Don't let this fully furnished and fully renovated unit pass.

More Information

Other

First: Yes

Pool Features

Gunite Concrete: Yes
Inground: Yes

Appliances

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

Interior Features

Breakfast Bar: Yes
Floor – Tile: Yes
Floor – Vinyl Plank: Yes
Lock Out Closet: Yes
Split Bedroom: Yes
Window – Treatment All: Yes

Construction/Siding

Wood/Frame: Yes
Roof – Membrane: Yes
Roof – Metal: Yes
Siding – Stucco: Yes
Trim – Vinyl: Yes
Trim – Wood: Yes

Exterior

Balcony: Yes

Other Structures

Gazebo: Yes

Association Fees Include

Accounting: Yes
BBQ Pit/Grill: Yes
Beach: Yes
Dumpster: Yes
Ground Keeping: Yes
Management: Yes
Picnic Area: Yes
Pool: Yes
Repairs/Maintenance: Yes
Sewer: Yes
TV Cable: Yes
Water: Yes

Financing

Cash: Yes
Conventional: Yes

Furnished

Furnished: Yes

Interior

Floor – Carpet: Yes

Living Room

First: Yes

Lot Features

Landscaped: Yes
Waterfront: Yes
Within 1/2 Mile to Water: Yes

Lot Access

County Road: Yes
Paved Road: Yes

Parking Features

Parking Lot: Yes
Paved: Yes

Present Zoning

Resort: Yes

Association Amenities

BBQ Pit/Grill: Yes
Beach: Yes
Dumpster: Yes
Picnic Area: Yes
Pool: Yes
Waterfront: Yes

Rooms

Living Room: Yes
Other: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Garbage: Yes
Phone – Available: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Waterview

Gulf: Yes
Other – See Remarks: Yes

Sale Type

As Is: Yes

Waterfront Type

Gulf: Yes

Cooling

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

Heating

Central: Yes
Electric: Yes

Security Features

Fire Alarm: Yes
Smoke Detector(s): Yes

Property Features

Appliances: Dishwasher; Disposal; Microwave; Range – Electric; Refrigerator; Washer/Dryer Stacked; Water Heater – Electric Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric Exterior: Balcony Association Fees Include: Accounting; BBQ Pit/Grill; Beach; TV Cable; Dumpster; Ground Keeping; Repairs/Maintenance; Management; Picnic Area; Pool; Sewer; Water Financing: Cash; Conventional Furnished: Furnished Interior: Floor – Carpet Living Room: First Lot Features: Landscaped; Waterfront; Within 1/2 Mile to Water Lot Access: County Road; Paved Road Other: First Pool Features: Gunite Concrete; Inground Security Features: Fire Alarm; Smoke Detector(s) Parking Features: Parking Lot; Paved Other Structures: Gazebo Association Amenities: BBQ Pit/Grill; Beach; Dumpster; Picnic Area; Pool; Waterfront Rooms: Living Room; Other Sale Type: As Is Utilities: TV Cable; Electricity – Connected; Garbage; Phone – Available; Public Sewer – Connected; Public Water – Connected Waterfront Type: Gulf Waterfront Feature: Shore – Beach; Shore – Natural Waterview: Gulf; Other – See Remarks Present Zoning: Resort

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Living Room	First	14 x 13	14.00	13.00
Other	First	14 x 12	14.00	12.00	Main Bedroom
Other	First	18 x 12	18.00	12.00	Kitchen/Dining Area

Listing Office: Coastal Real Estate Group, Inc

Last Updated: May – 30 – 2026

Information deemed reliable but not guaranteed.