8706 Surf Drive B, Panama City Beach, FL 32408 (MLS# 787635)

8706 Surf Drive B, Panama City Beach, FL 32408

$439,000

Property Type: Residential Bedrooms: 2 Baths: 2 Square Footage: 1,150 Status: Active

Current Price: $439,000 List Date: 3/31/2026 Last Modified: 8/05/2026

Overview

Description

Directly across the street from the Gulf, this 2 bedroom, 2 bathroom townhome offers quick beach access, Gulf views, and updates that help reduce near-term maintenance. Two public beach access points are nearby, and the home is being sold fully furnished, making it a practical option for personal use, a second home, or rental use. For buyers exploring added rental flexibility, the neighboring townhome is also available, creating a rare opportunity to own side-by-side units. Inside, the layout is set up to comfortably host guests with one king bed and two queen beds. The kitchen, bathrooms, and flooring were renovated in 2019, and the entire unit was freshly painted in 2025, including the walls, trim, and doors. All furnishings were also replaced in 2025, giving the interior a clean, updated feel. A full-size washer and dryer adds everyday convenience. The living area opens to a private patio where you can enjoy Gulf views and coastal breezes. A fenced backyard provides private ou … (Read more)

Listing Details MLS# 787635

Contract Info

List Price/SqFt: 381.74

Location

Area: 03 – Bay County – Beach
Street #: 8706
Street Name: Surf
Street Suffix: Drive
Unit #: B
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0323 – Beach – South of Grand Lagoon
Subdivision: Bel Air 2nd Add
Community/Resort: None
Waterfront: No
Parcel ID: 30466-009-000
Elementary School: Breakfast Point
Middle School: Breakfast Point
High School: Arnold
Directions: At the intersection of Thomas Drive and Joan Avenue, go south on Joan Avenue, road turns in front of Gulfcrest condos, second townhouse on left after condos.
Legal Description: BEL AIR 2ND ADD BEG 16.63' SELY OF NW COR OF LOT 10 TH CONT SELY 15.01' SWLY 119.88' NWLY 15.01' NELY 119.97' TO POB AKA UNIT B BLK 2 MAP 58B3 ORB 4062 P 1657

General Property Info

Sub-Type: Attached Single Unit
Design: Triplex
Apx SqFt(Htd/Cooled): 1150
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
# of Stories in Building: 2
Year Built: 1983
Immediate Occupancy: Yes
Pre-Const Flip: No
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Covered Spaces: 2
Driveway Spaces: 2
Lot Dimensions: 17×120
Pool: No
Half Baths: 0

Listing Info, Tax and Legal

Homestead: No
HOA Fee: No
Is Subject Leased: No
New Buyer Fee: No
New Buyer Fee Paid: $
Last Taxes: 1651.98
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: No
Condo Doc: No

Remarks & Misc

Remarks: Directly across the street from the Gulf, this 2 bedroom, 2 bathroom townhome offers quick beach access, Gulf views, and updates that help reduce near-term maintenance. Two public beach access points are nearby, and the home is being sold fully furnished, making it a practical option for personal use, a second home, or rental use. For buyers exploring added rental flexibility, the neighboring townhome is also available, creating a rare opportunity to own side-by-side units. Inside, the layout is set up to comfortably host guests with one king bed and two queen beds. The kitchen, bathrooms, and flooring were renovated in 2019, and the entire unit was freshly painted in 2025, including the walls, trim, and doors. All furnishings were also replaced in 2025, giving the interior a clean, updated feel. A full-size washer and dryer adds everyday convenience. The living area opens to a private patio where you can enjoy Gulf views and coastal breezes. A fenced backyard provides private outdoor space to unwind after time at the beach. The home also includes a private garage for beach gear, bikes, and other coastal essentials, plus additional driveway parking for guests. Nearby destinations include Pier Park, St. Andrews State Park, marinas, waterfront dining, shopping, and local restaurants. Buyer to verify all dimensions.

Dining Room

Second: Yes

More Information

Laundry

First: Yes

Appliances

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

Interior Features

Floor – Vinyl Plank: Yes
Stairs: Yes
Window – Treatment All: Yes

Construction/Siding

Roof – Metal: Yes
Siding – Stucco: Yes
Trim – Wood: Yes

Exterior

Balcony: Yes
Double Pane Windows: Yes
Fenced Privacy: Yes
Shower: Yes

Financing

Cash: Yes
Conventional: Yes
FHA: Yes
VA: Yes

Furnished

Furnished: Yes

Kitchen

Second: Yes

Living Room

Second: Yes

Lot Features

Subdivision – Recorded: Yes
Within 1/2 Mile to Water: Yes

Lot Access

Paved Road: Yes

Parking Features

Carport Attached: Yes
Driveway: Yes

Present Zoning

Resid Multi-Family: Yes

Rooms

Bedroom: Yes
Dining Room: Yes
Kitchen: Yes
Laundry: Yes
Living Room: Yes
Primary Bedroom: Yes

Utilities

Electricity – Connected: Yes
Public Water – Available: Yes
Septic Tank – Shared: Yes

Waterview

Gulf: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes

Heating

Central: Yes
Electric: Yes

Primary Bath/Primary Bdrm

MBath Shower/Tub Combo: Yes

Property Features

Appliances: Dishwasher; Disposal; Dryer; Ice Maker; Microwave; Range – Electric; Refrigerator; Washer; Water Heater – Electric Primary Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air Heating: Central; Electric Exterior: Balcony; Double Pane Windows; Fenced Privacy; Shower Financing: Cash; Conventional; FHA; VA Furnished: Furnished Kitchen: Second Living Room: Second Lot Features: Subdivision – Recorded; Within 1/2 Mile to Water Lot Access: Paved Road Dining Room: Second Laundry: First Parking Features: Carport Attached; Driveway Rooms: Bedroom; Dining Room; Kitchen; Laundry; Living Room; Primary Bedroom Utilities: Electricity – Connected; Public Water – Available; Septic Tank – Shared Waterview: Gulf Present Zoning: Resid Multi-Family

Room Information

Room Name	Level	Dimensions	Length	Width
Primary Bedroom	First	17 x 12	17.00	12.00
Bedroom	First	14 x 10	14.00	10.00
Laundry	First	7 x 7	7.00	7.00
Dining Room	Second	10 x 8	10.00	8.00
Kitchen	Second	14 x 8	14.00	8.00
Living Room	Second	18.3 x 14	18.30	14.00

Listing Office: Compass Florida, LLC

Last Updated: August – 05 – 2026

Information deemed reliable but not guaranteed.