8817 S Thomas Drive A318, Panama City Beach, FL 32408 (MLS# 794952)

8817 S Thomas Drive A318, Panama City Beach, FL 32408

New Listing

$240,000

Property Type: Residential Baths: 1 Square Footage: 489 Status: Active

Current Price: $240,000 List Date: 9/02/2026 Last Modified: 9/02/2026

Overview

Description

Welcome to 8817 Thomas Drive, Unit A318, a spacious and inviting studio in the heart of Panama City Beach offering a unique combination of beachside convenience, flexibility, and Florida coastal living. Unlike many traditional studio layouts, this unit offers plenty of room to spread out, with two beds, comfortable living space, a dining area, and a mini kitchen . This unit is thoughtfully arranged with an open floor plan. The light wood-plank ceiling adds warmth and coastal character, while multiple windows fill the space with natural light and offer views toward the Gulf of America. The kitchen features white cabinetry, granite countertops, and a stainless-steel refrigerator, providing for a relaxing beach getaway. The open design allows the living and sleeping spaces to flow together while still providing plenty of room to create separate areas for relaxing, dining, and sleeping. One of the best features of this condo? It has an assumable VA loan. Whether you're looking for an easy … (Read more) Welcome to 8817 Thomas Drive, Unit A318, a spacious and inviting studio in the heart of Panama City Beach offering a unique combination of beachside convenience, flexibility, and Florida coastal living. Unlike many traditional studio layouts, this unit offers plenty of room to spread out, with two beds, comfortable living space, a dining area, and a mini kitchen . This unit is thoughtfully arranged with an open floor plan. The light wood-plank ceiling adds warmth and coastal character, while multiple windows fill the space with natural light and offer views toward the Gulf of America. The kitchen features white cabinetry, granite countertops, and a stainless-steel refrigerator, providing for a relaxing beach getaway. The open design allows the living and sleeping spaces to flow together while still providing plenty of room to create separate areas for relaxing, dining, and sleeping. One of the best features of this condo? It has an assumable VA loan. Whether you’re looking for an easy-to-maintain second home, a convenient beach getaway, or an investment opportunity, this spacious studio offers flexibility for a variety of needs. Its efficient layout and convenient Panama City Beach location make it an appealing option for anyone looking for a comfortable, low-maintenance place near the beach. And then there’s the location and amenities! You’re just steps from the sugar-white sand and emerald waters of Panama City Beach and within walking distance of the newly opened World Famous Tootsies Orchid Lounge. There’s also shopping, dining, entertainment, and everyday conveniences nearby. Spend the day at the beach, relax at the community pool or small kids pool, or take advantage of the fitness room and game room available to owners and guests. During high season, enjoy the convenience of a seasonal snack shack and poolside bar, and when it’s time to hit the sand, beach chair rentals are available Gulf-front. Pets are also allowed on the property, adding another level of convenience for those who want to enjoy their beach getaway with their four-legged companions. Whether you’re searching for an affordable way to own a piece of Panama City Beach, a weekend escape, or a property with rental history, Unit A318 offers flexibility and a price under 240k with recent updates. Come see just how many possibilities this Panama City Beach studio has to offer! All furniture and appliances remain. Recent Updates: New water heater – 2019. New electrical panel – 2026 and Completely remodeled – 2023. Buyer to verify all measurements, dimensions, rental restrictions, HOA information, pet restrictions, amenities, and any information deemed important.to them.

Listing Details MLS# 794952

Contract Info

List Price/SqFt: 490.8

Location

Area: 03 – Bay County – Beach
Street #: 8817
Street Direction: S
Street Name: Thomas
Street Suffix: Drive
Unit #: A318
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0323 – Beach – South of Grand Lagoon
Subdivision: Top Of The Gulf Condo.
Community/Resort: None
Waterfront: No
Parcel ID: 34994-168-000
Elementary School: Breakfast Point
Middle School: Breakfast Point
High School: Arnold
Directions: From Front Beach Rd driving East, turn right on Thomas Dr. Turn right on S Thomas Dr., Property is located in front of you.
Legal Description: TOP OF THE GULF CONDO UNIT # A-318 ORB 504 P 566 EFF 1B 489 H&C ORB 4708 P 2389

General Property Info

Sub-Type: Condominium
Floor Number: 3
Design: High-Rise (8+ floors)
Apx SqFt(Htd/Cooled): 489
SqFt Source: Prop App Site
Full Baths: Yes
Total Baths: Yes
# of Stories in Building: 8
Accessory Dwelling Unit: No
Year Built: 1976
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Lot Dimensions: 0x0
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 525
HOA Frequency: Monthly
HOA Annual Amount: 6300
New Buyer Fee: No
Last Taxes: 2584.86
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: No
Condo Doc: Yes

Remarks & Misc

Remarks: Welcome to 8817 Thomas Drive, Unit A318, a spacious and inviting studio in the heart of Panama City Beach offering a unique combination of beachside convenience, flexibility, and Florida coastal living. Unlike many traditional studio layouts, this unit offers plenty of room to spread out, with two beds, comfortable living space, a dining area, and a mini kitchen . This unit is thoughtfully arranged with an open floor plan. The light wood-plank ceiling adds warmth and coastal character, while multiple windows fill the space with natural light and offer views toward the Gulf of America. The kitchen features white cabinetry, granite countertops, and a stainless-steel refrigerator, providing for a relaxing beach getaway. The open design allows the living and sleeping spaces to flow together while still providing plenty of room to create separate areas for relaxing, dining, and sleeping. One of the best features of this condo? It has an assumable VA loan. Whether you're looking for an easy-to-maintain second home, a convenient beach getaway, or an investment opportunity, this spacious studio offers flexibility for a variety of needs. Its efficient layout and convenient Panama City Beach location make it an appealing option for anyone looking for a comfortable, low-maintenance place near the beach. And then there's the location and amenities! You're just steps from the sugar-white sand and emerald waters of Panama City Beach and within walking distance of the newly opened World Famous Tootsies Orchid Lounge. There's also shopping, dining, entertainment, and everyday conveniences nearby. Spend the day at the beach, relax at the community pool or small kids pool, or take advantage of the fitness room and game room available to owners and guests. During high season, enjoy the convenience of a seasonal snack shack and poolside bar, and when it's time to hit the sand, beach chair rentals are available Gulf-front. Pets are also allowed on the property, adding another level of convenience for those who want to enjoy their beach getaway with their four-legged companions. Whether you're searching for an affordable way to own a piece of Panama City Beach, a weekend escape, or a property with rental history, Unit A318 offers flexibility and a price under 240k with recent updates. Come see just how many possibilities this Panama City Beach studio has to offer! All furniture and appliances remain. Recent Updates: New water heater – 2019. New electrical panel – 2026 and Completely remodeled – 2023. Buyer to verify all measurements, dimensions, rental restrictions, HOA information, pet restrictions, amenities, and any information deemed important.to them.

Other

Third: Yes

More Information

Appliances

Microwave: Yes
Refrigerator: Yes

Construction/Siding

Foundation – On Piling: Yes

Waterfront Feature

Shore – Beach: Yes

Association Fees Include

Accounting: Yes
Beach: Yes
Ground Keeping: Yes
Pool: Yes
Trash Disposal: Yes

Financing

Assume w/int: Yes
Cash: Yes
Conventional: Yes
FHA: Yes
VA: Yes

Furnished

Furnished: Yes

Parking Features

Parking Lot: Yes

Present Zoning

Resid Multi-Family: Yes

Association Amenities

Pool: Yes

Rooms

Other: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Public Sewer – Connected: Yes

Waterview

Gulf: Yes

Accessibility Features

Accessible Hallway(s): Yes

Cooling

Central Air: Yes

Heating

Forced Air: Yes

Primary Bath/Primary Bdrm

MBath Shower/Tub Combo: Yes

Security Features

Smoke Detector(s): Yes

Property Features

Accessibility Features: Accessible Hallway(s) Appliances: Microwave; Refrigerator Cooling: Central Air Heating: Forced Air Association Fees Include: Accounting; Beach; Ground Keeping; Pool; Trash Disposal Financing: Assume w/int; Cash; Conventional; FHA; VA Furnished: Furnished Other: Third Security Features: Smoke Detector(s) Parking Features: Parking Lot Association Amenities: Pool Rooms: Other Utilities: TV Cable; Electricity – Connected; Public Sewer – Connected Waterfront Feature: Shore – Beach Waterview: Gulf Present Zoning: Resid Multi-Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Other	Third	0 x 0	0.00	0.00	A Studio

Listing Office: Central Bay Realty and Property Management LLC

Last Updated: September – 02 – 2026

Information deemed reliable but not guaranteed.