8618 Surf Drive 206, Panama City Beach, FL 32408
New Listing
$279,900
Property Type:
Residential
Bedrooms:
1
Baths:
1
Square Footage:
576
Status:
Active
Current Price:
$279,900
List Date:
8/05/2026
Last Modified:
8/05/2026
Listing Details MLS# 793610
Contract Info
- List Price/SqFt
- 485.94
Location
- Area
- 03 – Bay County – Beach
- Street #
- 8618
- Street Name
- Surf
- Street Suffix
- Drive
- Unit #
- 206
- State
- FL
- Zip Code
- 32408
- County
- Bay
- Sub Area
- 0323 – Beach – South of Grand Lagoon
- Subdivision
- Ocean Terr. Condo.
- Community/Resort
- None
- Waterfront
- Yes
- Gulf Access
- No
- Parcel ID
- 30464-280-000
- Elementary School
- Breakfast Point
- Middle School
- Breakfast Point
- High School
- Arnold
- Directions
- Head south on Joan Avenue across Thomas Dr. Continue straight as Joan Ave. becomes Surf Dr. Continue east on Surf Dr. until you see Ocean Terrace Condominium. The property will be on the right, beach side.
- Legal Description
- Attached – Exhibit A
General Property Info
- Sub-Type
- Condominium
- Floor Number
- 2
- Design
- Low-Rise (1-3 floors)
- Apx SqFt(Htd/Cooled)
- 576
- SqFt Source
- Prop App Site
- Full Baths
- Yes
- Total Baths
- Yes
- # of Stories in Building
- 2
- Accessory Dwelling Unit
- No
- Year Built
- 1982
- Construction Status
- Construction Complete
- New Construction
- No
- Garage Y/N
- No
- Lot Dimensions
- 0x0
- Pool
- Yes
- Pool Type
- Community
Listing Info, Tax and Legal
- Homestead
- No
- HOA Fee
- Yes
- HOA Amount
- 1422.38
- HOA Frequency
- Quarterly
- HOA Annual Amount
- 5689.52
- New Buyer Fee
- No
- Last Taxes
- 2601.42
- Last Tax Year
- 2025
- Brokerage Interest
- Owner Outside Licensee – Owner is a licensed real estate broker or salesperson.
- As Is
- Yes
- Condo Doc
- Yes
Remarks & Misc
- Remarks
- Welcome to this charming, updated 1-bedroom, 1-bath condominium at Ocean Terrace Condominiums in Panama City Beach. Located in a low-density, two-story Gulf-side community, this beautifully maintained unit is just steps from the sugar-white sands and emerald waters of the Gulf of Mexico. Inside, you'll find a tastefully updated kitchen featuring stainless steel appliances, a tile backsplash, updated cabinetry and countertops, as well as attractive plank tile flooring throughout. The bathroom has been updated with a beautifully tiled, glass-enclosed shower and vanity, adding a modern touch to the space. A portion of the living area is currently being utilized as flexible space and is arranged as an additional sleeping area, providing added versatility for owners and guests. Community amenities include a Gulf-front swimming pool and a gazebo with picnic tables, offering the perfect spot to relax after a day at the beach. The convenient location places you within walking distance of restaurants, shopping, and entertainment, while nearby St. Andrews State Park offers opportunities for boating, fishing, kayaking, hiking, and enjoying Florida's natural beauty. Whether you're looking for a vacation getaway, investment property, or your own beach retreat, this turn-key ready condo combines tasteful updates with an unbeatable location.
Dining Room
- First
- Yes
More Information
Pool Features
- Inground
- Yes
Appliances
- Microwave
- Yes
- Range – Electric
- Yes
- Refrigerator
- Yes
- Water Heater – Electric
- Yes
Interior Features
- Ceiling – Crwn Molding
- Yes
- Floor – Tile
- Yes
- Window – Treatment All
- Yes
Association Fees Include
- Insurance
- Yes
- Pest Control
- Yes
- Pool
- Yes
- Sewer
- Yes
- TV Cable
- Yes
- Water
- Yes
Financing
- Cash
- Yes
- Conventional
- Yes
Furnished
- Furnished
- Yes
Kitchen
- First
- Yes
Living Room
- First
- Yes
Lot Features
- Waterfront
- Yes
Lot Access
- Paved Road
- Yes
Parking Features
- Parking Lot
- Yes
- Paved
- Yes
Association Amenities
- Pavilion/Gazebo
- Yes
- Pool
- Yes
- Waterfront
- Yes
Rooms
- Bedroom
- Yes
- Dining Room
- Yes
- Full Bathroom
- Yes
- Kitchen
- Yes
- Living Room
- Yes
Utilities
- TV Cable
- Yes
- Electricity – Connected
- Yes
- Public Sewer – Connected
- Yes
- Public Water – Connected
- Yes
Full Bathroom
- First
- Yes
Waterfront Type
- Gulf
- Yes
Bedroom
- First
- Yes
Cooling
- Ceiling Fan(s)
- Yes
- Central Air
- Yes
- Electric
- Yes
Heating
- Central
- Yes
- Electric
- Yes
Primary Bdrm/Primary Bath
- MBath Shower Only
- Yes
Security Features
- Smoke Detector(s)
- Yes
Property Features
Appliances:
Microwave; Range – Electric; Refrigerator; Water Heater – Electric
Full Bathroom:
First
Bedroom:
First
Cooling:
Ceiling Fan(s); Central Air; Electric
Heating:
Central; Electric
Association Fees Include:
TV Cable; Insurance; Pest Control; Pool; Sewer; Water
Financing:
Cash; Conventional
Furnished:
Furnished
Kitchen:
First
Living Room:
First
Lot Features:
Waterfront
Lot Access:
Paved Road
Dining Room:
First
Pool Features:
Inground
Security Features:
Smoke Detector(s)
Parking Features:
Parking Lot; Paved
Association Amenities:
Pavilion/Gazebo; Pool; Waterfront
Rooms:
Bedroom; Dining Room; Full Bathroom; Kitchen; Living Room
Utilities:
TV Cable; Electricity – Connected; Public Sewer – Connected; Public Water – Connected
Waterfront Type:
Gulf
Room Information
| Room Name | Level | Dimensions | Length | Width | Remarks |
|---|---|---|---|---|---|
| Kitchen | First | 9.75 x 8.67 | 9.75 | 8.67 | |
| Dining Room | First | 15.08 x 8.67 | 15.08 | 8.67 | Dining – Part Living Combo |
| Bedroom | First | 10.83 x 9.5 | 10.83 | 9.50 | |
| Full Bathroom | First | 4.83 x 5.83 | 4.83 | 5.83 | |
| Living Room | First | 11.33 x 9.25 | 11.33 | 9.25 | Flex Space |
Listing Office:
RC Real Estate Group
Last Updated: August – 05 – 2026
Information deemed reliable but not guaranteed.