9900 S Thomas Drive 1003, Panama City Beach, FL 32408 (MLS# 791406)

9900 S Thomas Drive 1003, Panama City Beach, FL 32408

New Listing

$699,950

Property Type: Residential Bedrooms: 2 Baths: 3 Square Footage: 1,131 Status: Active

Current Price: $699,950 List Date: 6/16/2026 Last Modified: 6/16/2026

Overview

Description

RARE GULF-FRONT CORNER UNIT WITH AN OVERSIZED WRAPAROUND BALCONY, RESERVED PARKING SPOT + OWNER FINANCING AVAILABLE AT 2.9% INTEREST RATE! Opportunities like this rarely come available at Shores of Panama. This spectacular Gulf-front corner residence features one of the most sought-after floor plans in the entire resort, highlighted by an enormous wraparound balcony that delivers breathtaking panoramic views of the emerald-green Gulf waters, sugar-white beaches, and the resort's world-famous lagoon-style pool. Unlike standard balconies, this expansive outdoor living space provides multiple seating areas, incredible sunset views, and a front-row seat to everything that makes Panama City Beach one of the Gulf Coast's most desirable destinations. Inside, floor-to-ceiling glass fills the residence with natural light while showcasing stunning water views from nearly every angle. The spacious 2-bedroom plus bunk room, 2.5-bath layout sleeps just like a 3 bedroom and comfortably accommo … (Read more) RARE GULF-FRONT CORNER UNIT WITH AN OVERSIZED WRAPAROUND BALCONY, RESERVED PARKING SPOT + OWNER FINANCING AVAILABLE AT 2.9% INTEREST RATE! Opportunities like this rarely come available at Shores of Panama. This spectacular Gulf-front corner residence features one of the most sought-after floor plans in the entire resort, highlighted by an enormous wraparound balcony that delivers breathtaking panoramic views of the emerald-green Gulf waters, sugar-white beaches, and the resort’s world-famous lagoon-style pool. Unlike standard balconies, this expansive outdoor living space provides multiple seating areas, incredible sunset views, and a front-row seat to everything that makes Panama City Beach one of the Gulf Coast’s most desirable destinations. Inside, floor-to-ceiling glass fills the residence with natural light while showcasing stunning water views from nearly every angle. The spacious 2-bedroom plus bunk room, 2.5-bath layout sleeps just like a 3 bedroom and comfortably accommodates family and guests while offering exceptional flexibility and rental appeal. The beautifully appointed kitchen is designed for entertaining, featuring granite countertops, white shaker cabinetry, stainless steel appliances, and abundant workspace for hosting unforgettable beach gatherings. The open-concept living area is enhanced by upscale designer furnishings, custom tile flooring throughout, and absolutely no carpet, creating a sophisticated coastal atmosphere that is both elegant and easy to maintain. Wake up each morning to Gulf views from the luxurious beachfront primary suite, complete with private balcony access and a spacious ensuite bath. Additional guest accommodations include a generously sized guest bedroom and dedicated bunk room, making this residence ideal for large families and vacationing guests. Adding even more value, this residence includes a dedicated parking space located directly outside the unit on the same floor–a rare convenience that allows you to walk straight from your vehicle to your front door without ever waiting on an elevator. Shores of Panama continues to be one of Panama City Beach’s premier resort destinations, featuring Florida’s largest lagoon-style pool, an expansive tropical pool deck, beachside hot tubs, indoor heated pool, sauna, steam room, fitness center, spa services, on-site dining, and direct beach access. You’re also just minutes from Pier Park, waterfront dining, entertainment venues, and the brand-new Topgolf attraction. For buyers looking to maximize affordability, the seller is offering a special financing opportunity, creating an incredible chance to own one of the most desirable Gulf-front corner units in Panama City Beach. Whether you’re searching for a luxury beachfront getaway, an income-producing vacation property, or both, this extraordinary residence delivers the views, amenities, location, and lifestyle that buyers dream about. Rare wraparound balcony. Gulf-front corner location. Same-floor parking. Owner financing available. This is the one buyers wait for.

Listing Details MLS# 791406

Contract Info

List Price/SqFt: 618.88

Location

Area: 03 – Bay County – Beach
Street #: 9900
Street Direction: S
Street Name: Thomas
Street Suffix: Drive
Unit #: 1003
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0318 – Beach – Central South
Subdivision: Shores Of Panama
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 40000-650-162
Elementary School: Breakfast Point
Middle School: Breakfast Point
High School: Arnold
Directions: From Front Beach road heading East, turn onto Thomas Drive on the west end and Shores will be on your right
Legal Description: SHORES OF PANAMA PHASE I UNIT 1003 TYPE E ORB 2740 P 2252 10TH FLOOR 2BD/2.5BR ORB 4772 P 734 1131 SQ FT ORB 4772 P 736 PARKING SPACE USE RIGHTS #1004

General Property Info

Sub-Type: Condominium
Floor Number: 10
Design: High-Rise (8+ floors)
Apx SqFt(Htd/Cooled): 1131
SqFt Source: Builders Plans
Full Baths: 2
Half Baths: Yes
Total Baths: 3
Year Built: 2007
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Assigned Spaces: Yes
Lot Dimensions: 0x0
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

Homestead: No
HOA Fee: Yes
HOA Amount: 4350
HOA Frequency: Quarterly
HOA Annual Amount: 17400
Is Subject Leased: No
New Buyer Fee: Yes
New Buyer Fee Amt: 250
New Buyer Fee Paid: $
Last Tax Year: 2025
Brokerage Interest: No Interest
Condo Doc: Yes

Remarks & Misc

Remarks: RARE GULF-FRONT CORNER UNIT WITH AN OVERSIZED WRAPAROUND BALCONY, RESERVED PARKING SPOT + OWNER FINANCING AVAILABLE AT 2.9% INTEREST RATE! Opportunities like this rarely come available at Shores of Panama. This spectacular Gulf-front corner residence features one of the most sought-after floor plans in the entire resort, highlighted by an enormous wraparound balcony that delivers breathtaking panoramic views of the emerald-green Gulf waters, sugar-white beaches, and the resort's world-famous lagoon-style pool. Unlike standard balconies, this expansive outdoor living space provides multiple seating areas, incredible sunset views, and a front-row seat to everything that makes Panama City Beach one of the Gulf Coast's most desirable destinations. Inside, floor-to-ceiling glass fills the residence with natural light while showcasing stunning water views from nearly every angle. The spacious 2-bedroom plus bunk room, 2.5-bath layout sleeps just like a 3 bedroom and comfortably accommodates family and guests while offering exceptional flexibility and rental appeal. The beautifully appointed kitchen is designed for entertaining, featuring granite countertops, white shaker cabinetry, stainless steel appliances, and abundant workspace for hosting unforgettable beach gatherings. The open-concept living area is enhanced by upscale designer furnishings, custom tile flooring throughout, and absolutely no carpet, creating a sophisticated coastal atmosphere that is both elegant and easy to maintain. Wake up each morning to Gulf views from the luxurious beachfront primary suite, complete with private balcony access and a spacious ensuite bath. Additional guest accommodations include a generously sized guest bedroom and dedicated bunk room, making this residence ideal for large families and vacationing guests. Adding even more value, this residence includes a dedicated parking space located directly outside the unit on the same floor–a rare convenience that allows you to walk straight from your vehicle to your front door without ever waiting on an elevator. Shores of Panama continues to be one of Panama City Beach's premier resort destinations, featuring Florida's largest lagoon-style pool, an expansive tropical pool deck, beachside hot tubs, indoor heated pool, sauna, steam room, fitness center, spa services, on-site dining, and direct beach access. You're also just minutes from Pier Park, waterfront dining, entertainment venues, and the brand-new Topgolf attraction. For buyers looking to maximize affordability, the seller is offering a special financing opportunity, creating an incredible chance to own one of the most desirable Gulf-front corner units in Panama City Beach. Whether you're searching for a luxury beachfront getaway, an income-producing vacation property, or both, this extraordinary residence delivers the views, amenities, location, and lifestyle that buyers dream about. Rare wraparound balcony. Gulf-front corner location. Same-floor parking. Owner financing available. This is the one buyers wait for.

Bunk Room

First: Yes

More Information

Pool Features

Gunite Concrete: Yes
Heated – Electric: Yes
Heated – Gas: Yes
Inground: Yes

Appliances

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

Interior Features

Breakfast Bar: Yes
Pantry: Yes

Construction/Siding

Concrete: Yes

Exterior

Balcony: Yes
Deck Open: Yes
Patio Covered: Yes
Patio Open: Yes
Porch Covered: Yes
Storm Doors: Yes
Storm Windows: Yes

Association Fees Include

BBQ Pit/Grill: Yes
Beach: Yes
Community Room: Yes
Game Room: Yes
Gated Community: Yes
Ground Keeping: Yes
Internet Service: Yes
Internet-WiFi: Yes
Master Association: Yes
Pest Control: Yes
Picnic Area: Yes
Playground: Yes
Pool: Yes
Recreational Faclty: Yes
Security: Yes
TV Cable: Yes
Water: Yes
Other – See Remarks: Yes

Financing

Cash: Yes
Conventional: Yes
Seller Financing: Yes

Furnished

Furnished: Yes

Interior

Bunk Room: Yes

Living Room

First: Yes

Lot Features

Deeded Access: Yes
Deeded Access Water: Yes
Waterfront: Yes
Within 1/2 Mile to Water: Yes

Parking Features

Additional Parking: Yes
Deeded: Yes
Gated: Yes
Oversized: Yes
Parking Lot: Yes

Present Zoning

Resort: Yes

Association Amenities

BBQ Pit/Grill: Yes
Beach: Yes
Dumpster: Yes
Exercise Room: Yes
Gated Community: Yes
Pavilion/Gazebo: Yes
Picnic Area: Yes
Pool: Yes
Security-24 hour: Yes
Waterfront: Yes
Other – See Remarks: Yes

Rooms

Bedroom: Yes
Bunk Room: Yes
Full Bathroom: Yes
Half Bathroom: Yes
Living Room: Yes
Primary Bathroom: Yes
Primary Bedroom: Yes

Utilities

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

Waterview

Gulf: Yes

Accessibility Features

Accessible Washer/Dryer: Yes

Sale Type

As Is: Yes

Full Bathroom

First: Yes

Half Bathroom

First: Yes

Waterfront Type

Gulf: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes

Primary Bdrm/Primary Bath

MBed Balcony: Yes
MBed First Floor: Yes
MBed Waterfront: Yes

Primary Bathroom

First: Yes

Security Features

24 Hour Security: Yes
Fire Alarm: Yes
Fire Sprinkler System: Yes
Secured Garage/Parking: Yes

Property Features

Accessibility Features: Accessible Washer/Dryer Appliances: Dishwasher; Disposal; Dryer; Freezer; Ice Maker; Microwave; Oven – Electric; Range Hood; Refrigerator; Washer; Water Heater – Electric Full Bathroom: First Half Bathroom: First Primary Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Electric Heating: Central; Electric Exterior: Balcony; Deck Open; Patio Covered; Patio Open; Porch Covered; Storm Doors; Storm Windows Association Fees Include: BBQ Pit/Grill; Beach; TV Cable; Community Room; Game Room; Gated Community; Internet Service; Internet-WiFi; Ground Keeping; Master Association; Pest Control; Picnic Area; Playground; Pool; Recreational Faclty; Security; Water; Other – See Remarks Financing: Cash; Conventional; Seller Financing Furnished: Furnished Interior: Bunk Room Living Room: First Lot Features: Deeded Access; Deeded Access Water; Waterfront; Within 1/2 Mile to Water Bunk Room: First Primary Bathroom: First Pool Features: Gunite Concrete; Heated – Electric; Heated – Gas; Inground Security Features: 24 Hour Security; Fire Alarm; Fire Sprinkler System; Secured Garage/Parking Parking Features: Additional Parking; Deeded; Gated; Oversized; Parking Lot Association Amenities: BBQ Pit/Grill; Beach; Dumpster; Exercise Room; Gated Community; Pavilion/Gazebo; Picnic Area; Pool; Security-24 hour; Waterfront; Other – See Remarks Rooms: Bedroom; Bunk Room; Full Bathroom; Half Bathroom; Living Room; Primary Bathroom; Primary Bedroom Sale Type: As Is Utilities: TV Cable; Electricity – Connected; Garbage; Phone – Connected; Public Sewer – Connected Waterfront Type: Gulf Waterview: Gulf Present Zoning: Resort

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Bedroom	First	12 x 11	12.00	11.00	bed #2
Master Bedroom	First	12 x 11	12.00	11.00	MASTER BEDROOM
Bunk Room	First	9 x 8	9.00	8.00	oversized bunk room
Living Room	First	16 x 14	16.00	14.00	gulf front living room w/ wrap around balcony
Master Bathroom	First	13 x 7	13.00	7.00	master bathroom
Full Bathroom	First	10 x 7	10.00	7.00	bathroom #2
Half Bathroom	First	7 x 4	7.00	4.00	large bathroom

Listing Office: RealJoy Realty LLC

Last Updated: June – 16 – 2026

Information deemed reliable but not guaranteed.