8618 Surf Drive 208, Panama City Beach, FL 32408 (MLS# 793632)

8618 Surf Drive 208, Panama City Beach, FL 32408

New Listing

$249,900

Property Type: Residential Bedrooms: 1 Baths: 1 Square Footage: 576 Status: Active

Current Price: $249,900 List Date: 8/06/2026 Last Modified: 8/06/2026

Overview

Description

Welcome to Ocean Terrace Condominiums! This adorable second-floor, one-bedroom, one-bath condo is located directly across the street from the Gulf of Mexico and offers beautiful Gulf views. The open-concept floor plan features a spacious breakfast bar with ample counter space for meal preparation, a pantry, and a dining area perfect for enjoying your morning coffee or evening meal. The living area includes a convenient Murphy bed, providing additional sleeping accommodations. Tile flooring extends throughout the main living areas, while the bedroom is carpeted. The bathroom features a walk-in shower. Recent improvements include the replacement of all exterior windows with tinted, hurricane-rated windows, along with a new front entry door. Community amenities include a Gulf-front swimming pool and a covered picnic pavilion overlooking the beach. Restaurants, local attractions, shopping, and entertainment are all just a short walk away, while St. Andrews State Park is only minutes away … (Read more)

Listing Details MLS# 793632

Contract Info

List Price/SqFt: 433.85

Location

Area: 03 – Bay County – Beach
Street #: 8618
Street Name: Surf
Street Suffix: Drive
Unit #: 208
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0323 – Beach – South of Grand Lagoon
Subdivision: Ocean Terr. Condo.
Community/Resort: None
Waterfront: No
Parcel ID: 30464-300-000
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 left or north side of Surf Dr.
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: 1621.88
HOA Frequency: Quarterly
HOA Annual Amount: 6487.52
New Buyer Fee: No
Last Taxes: 2119.35
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Condo Doc: Yes

Remarks & Misc

Remarks: Welcome to Ocean Terrace Condominiums! This adorable second-floor, one-bedroom, one-bath condo is located directly across the street from the Gulf of Mexico and offers beautiful Gulf views. The open-concept floor plan features a spacious breakfast bar with ample counter space for meal preparation, a pantry, and a dining area perfect for enjoying your morning coffee or evening meal. The living area includes a convenient Murphy bed, providing additional sleeping accommodations. Tile flooring extends throughout the main living areas, while the bedroom is carpeted. The bathroom features a walk-in shower. Recent improvements include the replacement of all exterior windows with tinted, hurricane-rated windows, along with a new front entry door. Community amenities include a Gulf-front swimming pool and a covered picnic pavilion overlooking the beach. Restaurants, local attractions, shopping, and entertainment are all just a short walk away, while St. Andrews State Park is only minutes away for boating, fishing, kayaking, hiking, and exploring one of the area's most scenic coastal parks. Whether you're looking for a private beach retreat or a vacation rental opportunity, this turn-key ready condo offers beautiful Gulf views and a location that's just steps from the sugar-white sands of Panama City Beach.

Dining Room

First: Yes

More Information

Pool Features

Inground: Yes

Appliances

Microwave: Yes
Range – Electric: Yes
Refrigerator: Yes
Water Heater – Electric: Yes

Interior Features

Breakfast Bar: Yes
Floor – Tile: Yes
Pantry: 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

Interior

Floor – Carpet: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Access

Paved Road: Yes

Parking Features

Parking Lot: Yes
Paved: Yes

Association Amenities

Pavilion/Gazebo: Yes
Pool: 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

Waterview

Gulf: Yes

Sale Type

As Is: Yes

Full Bathroom

First: 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 Interior: Floor – Carpet Kitchen: First Living Room: First 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 Rooms: Bedroom; Dining Room; Full Bathroom; Kitchen; Living Room Sale Type: As Is Utilities: TV Cable; Electricity – Connected; Public Sewer – Connected; Public Water – Connected Waterview: Gulf

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Living Room	First	18.75 x 9.58	18.75	9.58
Kitchen	First	11.17 x 9	11.17	9.00
Dining Room	First	8.42 x 7.08	8.42	7.08	Dining Area
Bedroom	First	8.33 x 13	8.33	13.00
Full Bathroom	First	7.5 x 4.75	7.50	4.75

Listing Office: RC Real Estate Group

Last Updated: August – 06 – 2026

Information deemed reliable but not guaranteed.