9900 S Thomas Drive 115, Panama City, FL 32408 (MLS# 794013)

9900 S Thomas Drive 115, Panama City, FL 32408

$349,000

Property Type: Residential Bedrooms: 1 Baths: 2 Square Footage: 907 Status: Active

Current Price: $349,000 List Date: 8/13/2026 Last Modified: 8/28/2026

Overview

Description

THE ONLY GROUND FLOOR ''C'' Floor Plan on Market. Own a ground floor level condo at The Shores of Panama and walk right from your balcony out to the pool with this highly sought-after ''C'' stack condo–1BD 2BA + Bunk. The condo conveys fully furnished and rental-ready, making it an effortless investment opportunity or turnkey beach retreat. 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 dini … (Read more)

Listing Details MLS# 794013

Contract Info

List Price/SqFt: 384.79

Location

Area: 03 – Bay County – Beach
Street #: 9900
Street Direction: S
Street Name: Thomas
Street Suffix: Drive
Unit #: 115
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0319 – Beach – East
Subdivision: Shores Of Panama
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 40000-650-012
Elementary School: Breakfast Point
Middle School: Breakfast Point
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 PHASE I UNIT 115 TYPE C(L) ORB 2740 P 2252 1ST FLOOR 1BD/2BR ORB 3404 P 2138 907 SQ FT

General Property Info

Sub-Type: Condominium
Floor Number: Yes
Design: High-Rise (8+ floors)
Apx SqFt(Htd/Cooled): 907
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
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

HOA Fee: Yes
HOA Amount: 3491.71
HOA Frequency: Quarterly
HOA Annual Amount: 13966.84
New Buyer Fee: No
Last Taxes: 3710.77
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Condo Doc: Yes

Remarks & Misc

Remarks: THE ONLY GROUND FLOOR ''C'' Floor Plan on Market. Own a ground floor level condo at The Shores of Panama and walk right from your balcony out to the pool with this highly sought-after ''C'' stack condo–1BD 2BA + Bunk. The condo conveys fully furnished and rental-ready, making it an effortless investment opportunity or turnkey beach retreat. 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 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

Appliances

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

Exterior

Balcony: Yes

Association Fees Include

Exercise Room: Yes
Gated Community: Yes
Ground Keeping: Yes
Insurance: Yes
Pest Control: Yes
Pool: Yes
Sauna/Steam Room: Yes
Security: Yes
Sewer: Yes
Trash Disposal: Yes
TV Cable: Yes
Water: Yes
Whirlpool: Yes

Financing

Cash: Yes
Conventional: Yes

Furnished

Furnished: Yes

Present Zoning

Resort: Yes

Association Amenities

Exercise Room: Yes
Pool: Yes
Security-24 hour: Yes
Waterfront: Yes
Whirlpool: Yes

Rooms

Balcony: Yes

Utilities

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

Waterview

Gulf: Yes

Sale Type

As Is: Yes

Waterfront Type

Gulf: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes

Heating

Central: Yes

Security Features

Security Gate: Yes
Security Guard: Yes

Property Features

Appliances: Dishwasher; Dryer; Oven – Electric; Refrigerator; Washer; Water Heater – Electric Cooling: Ceiling Fan(s); Central Air Heating: Central Exterior: Balcony Association Fees Include: TV Cable; Exercise Room; Gated Community; Insurance; Ground Keeping; Pest Control; Pool; Sauna/Steam Room; Security; Sewer; Whirlpool; Trash Disposal; Water Financing: Cash; Conventional Furnished: Furnished Balcony: First Security Features: Security Gate; Security Guard Association Amenities: Exercise Room; Pool; Security-24 hour; Whirlpool; Waterfront Rooms: Balcony Sale Type: As Is Utilities: TV Cable; Public Sewer – Connected; Public Water – Connected Waterfront Type: Gulf Waterview: Gulf Present Zoning: Resort

Room Information

Room Name	Level	Dimensions	Length	Width
Balcony	First	0 x 0	0.00	0.00

Listing Office: Christies International Real Estate Emerald Coast

Last Updated: August – 28 – 2026

Information deemed reliable but not guaranteed.