9900 S Thomas Drive 1122, Panama City Beach, FL 32408 (MLS# 794016)

9900 S Thomas Drive 1122, Panama City Beach, FL 32408

New Listing

$499,000

Property Type: Residential Bedrooms: 2 Baths: 3 Square Footage: 1,453 Status: Active

Current Price: $499,000 List Date: 8/13/2026 Last Modified: 8/13/2026

Overview

Description

Experience the ultimate blend of beachfront luxury and high-performing investment potential in this 2BD 3BA +bunk Gulf front condo at Shores of Panama. Located within the highly sought-after and seldom available H-floor-plan stack (only 23 in the entire building), this spacious condo offers an exceptional layout designed for both strong rental returns and unforgettable coastal living. The condo conveys fully furnished and rental-ready, making it an effortless investment opportunity or turnkey beach retreat. This condo features two primary suites with ensuite baths, plus an additional bedroom and a separate bunk room, comfortably accommodating up to 10 guests. With three full bathrooms, the thoughtful configuration maximizes occupancy and guest comfort, making it one of the most versatile and desirable floor-plans in the resort. The open-concept living and dining area (seating for eight) flows seamlessly to an oversized private balcony showcasing sweeping Gulf views, vibrant sunse … (Read more) Experience the ultimate blend of beachfront luxury and high-performing investment potential in this 2BD 3BA +bunk Gulf front condo at Shores of Panama. Located within the highly sought-after and seldom available H-floor-plan stack (only 23 in the entire building), this spacious condo offers an exceptional layout designed for both strong rental returns and unforgettable coastal living. The condo conveys fully furnished and rental-ready, making it an effortless investment opportunity or turnkey beach retreat. This condo features two primary suites with ensuite baths, plus an additional bedroom and a separate bunk room, comfortably accommodating up to 10 guests. With three full bathrooms, the thoughtful configuration maximizes occupancy and guest comfort, making it one of the most versatile and desirable floor-plans in the resort. The open-concept living and dining area (seating for eight) flows seamlessly to an oversized private balcony showcasing sweeping Gulf views, vibrant sunsets, and the resort’s iconic lagoon-style pool. This unit also includes one deeded parking space. Shores of Panama is home to the largest Gulf-front lagoon pool in Panama City Beach, with its spectacular 14,000+ sq ft zero-entry lagoon pool with palm-lined islands, fountains, and expansive hot tub. tropical palm islands, fountains, and an oversized hot tub–all just steps from exclusive beachfront access. Owners and guests also enjoy: Indoor heated pool and hot tub, 24-hour fitness center, Seasonal poolside Tiki bar, Covered parking, and On-site security. The location is unbeatable–walk next door to Pineapple Willy’s for beachfront dining or cross the street to Laketown Wharf for multiple dining options including The Wharf Buffet, Juan Taco, and LuLu’s Bar & Restaurant. Shopping, entertainment, and attractions are all within easy reach. If you’re looking for a well-positioned Gulf-front condo with proven rental appeal and unbeatable amenities–this is a standout opportunity. With exterior renovations scheduled to enhance curb appeal and long-term value, this is a strategic opportunity to secure this wonderful gulf front condo–ideal as a personal retreat, income powerhouse, or both. All information and HOA details are believed accurate but should be verified by buyers if important.

Listing Details MLS# 794016

Contract Info

List Price/SqFt: 343.43

Location

Area: 03 – Bay County – Beach
Street #: 9900
Street Direction: S
Street Name: Thomas
Street Suffix: Drive
Unit #: 1122
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0318 – Beach – Central South
Subdivision: Shores Of Panama Phase II
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 4000-675-133
Elementary School: Breakfast Point
Middle School: Surfside
High School: Arnold
Directions: Shores of Panama is located at the intersection of Front Beach Rd and South Thomas Drive next to Pineapple Willies
Legal Description: SHORES OF PANAMA II UNIT 1122 TYPE H ORB 2740 P 2252 2BR 3BA ORB 3404 P 2094 1453 TOTAL SF

General Property Info

Sub-Type: Condominium
Floor Number: 11
Design: High-Rise (8+ floors)
Apx SqFt(Htd/Cooled): 1453
SqFt Source: Prop App Site
Full Baths: 3
Total Baths: 3
Accessory Dwelling Unit: No
Year Built: 2007
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: Yes
Lot Dimensions: 0x0
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

Homestead: No
HOA Fee: Yes
HOA Amount: 4886.21
HOA Frequency: Quarterly
HOA Annual Amount: 19544.84
New Buyer Fee: No
Last Taxes: 5457
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Condo Doc: Yes

Remarks & Misc

Remarks: Experience the ultimate blend of beachfront luxury and high-performing investment potential in this 2BD 3BA +bunk Gulf front condo at Shores of Panama. Located within the highly sought-after and seldom available H-floor-plan stack (only 23 in the entire building), this spacious condo offers an exceptional layout designed for both strong rental returns and unforgettable coastal living. The condo conveys fully furnished and rental-ready, making it an effortless investment opportunity or turnkey beach retreat. This condo features two primary suites with ensuite baths, plus an additional bedroom and a separate bunk room, comfortably accommodating up to 10 guests. With three full bathrooms, the thoughtful configuration maximizes occupancy and guest comfort, making it one of the most versatile and desirable floor-plans in the resort. The open-concept living and dining area (seating for eight) flows seamlessly to an oversized private balcony showcasing sweeping Gulf views, vibrant sunsets, and the resort's iconic lagoon-style pool. This unit also includes one deeded parking space. Shores of Panama is home to the largest Gulf-front lagoon pool in Panama City Beach, with its spectacular 14,000+ sq ft zero-entry lagoon pool with palm-lined islands, fountains, and expansive hot tub. tropical palm islands, fountains, and an oversized hot tub–all just steps from exclusive beachfront access. Owners and guests also enjoy: Indoor heated pool and hot tub, 24-hour fitness center, Seasonal poolside Tiki bar, Covered parking, and On-site security. The location is unbeatable–walk next door to Pineapple Willy's for beachfront dining or cross the street to Laketown Wharf for multiple dining options including The Wharf Buffet, Juan Taco, and LuLu's Bar & Restaurant. Shopping, entertainment, and attractions are all within easy reach. If you're looking for a well-positioned Gulf-front condo with proven rental appeal and unbeatable amenities–this is a standout opportunity. With exterior renovations scheduled to enhance curb appeal and long-term value, this is a strategic opportunity to secure this wonderful gulf front condo–ideal as a personal retreat, income powerhouse, or both. All information and HOA details are believed accurate but should be verified by buyers if important.

Balcony

First: Yes

More Information

Bunk Room

First: Yes

Dining Room

First: Yes

Appliances

Dishwasher: Yes
Dryer: Yes
Oven – Electric: Yes
Refrigerator: Yes
Washer: Yes
Water Heater – Electric: Yes

Interior Features

Window – Treatment All: Yes

Exterior

Balcony: Yes

Association Fees Include

Exercise Room: Yes
Gated Community: Yes
Ground Keeping: Yes
Insurance: Yes
Master Association: Yes
Pool: Yes
Security: Yes
Sewer: Yes
Trash Disposal: Yes
Water: Yes
Whirlpool: Yes

Furnished

Furnished: Yes

Kitchen

First: Yes

Living Room

First: Yes

Present Zoning

Resid Multi-Family: Yes

Association Amenities

Elevators: Yes
Exercise Room: Yes
Gated Community: Yes
Pool: Yes
Security-24 hour: Yes
Waterfront: Yes
Whirlpool: Yes

Rooms

Balcony: Yes
Bedroom: Yes
Bunk Room: 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

Waterfront Type

Gulf: Yes

Bedroom

First: Yes

Cooling

Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes

Security Features

Security Gate: Yes

Property Features

Appliances: Dishwasher; Dryer; Oven – Electric; Refrigerator; Washer; Water Heater – Electric Full Bathroom: First Bedroom: First Cooling: Central Air; Electric Heating: Central; Electric Exterior: Balcony Association Fees Include: Exercise Room; Gated Community; Insurance; Ground Keeping; Master Association; Pool; Security; Sewer; Whirlpool; Trash Disposal; Water Furnished: Furnished Kitchen: First Living Room: First Balcony: First Bunk Room: First Dining Room: First Security Features: Security Gate Association Amenities: Elevators; Exercise Room; Gated Community; Pool; Security-24 hour; Whirlpool; Waterfront Rooms: Balcony; Bedroom; Bunk Room; Dining Room; Full Bathroom; Kitchen; Living Room Sale Type: As Is Utilities: TV Cable; Electricity – Connected; Public Sewer – Connected; Public Water – Connected Waterfront Type: Gulf Waterview: Gulf Present Zoning: Resid Multi-Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Bedroom	First	13 x 15	13.00	15.00	if important buyer to verify
Bedroom	First	13.5 x 12	13.50	12.00	if important buyer to verify
Bedroom	First	12.5 x 9	12.50	9.00	if important buyer to verify
Bunk Room	First	7 x 6.1	7.00	6.10	if important buyer to verify
Dining Room	First	13 x 7	13.00	7.00	if important buyer to verify
Living Room	First	17.5 x 15.5	17.50	15.50	if important buyer to verify
Kitchen	First	13.1 x 9.5	13.10	9.50	if important buyer to verify
Full Bathroom	First	6 x 10	6.00	10.00	if important buyer to verify
Full Bathroom	First	10 x 5.5	10.00	5.50	if important buyer to verify
Full Bathroom	First	8 x 4.1	8.00	4.10	if important buyer to verify
Balcony	First	17.5 x 12	17.50	12.00	if important buyer to verify

Listing Office: Christies International Real Estate Emerald Coast

Last Updated: August – 13 – 2026

Information deemed reliable but not guaranteed.