9900 S Thomas Drive 131, Panama City, FL 32408 (MLS# 794018)

9900 S Thomas Drive 131, Panama City, FL 32408

New Listing

$610,000

Property Type: Residential Bedrooms: 3 Baths: 30 Square Footage: 1,400 Status: Active

Current Price: $610,000 List Date: 8/13/2026 Last Modified: 8/13/2026

Overview

Description

Experience elevated coastal living in this rare East-side corner, ground-floor premium condo offering 3 bedrooms, 3 baths, and sweeping panoramic Gulf views. Designed with the highly desirable ''U'' floor plan, this layout provide breathtaking sunrise and sunset vistas from the expansive wrap-around balcony. What truly sets this condo apart is its private gated terrace access–step directly from your balcony to the pool deck and onto the beach. Inside, the condo has been thoughtfully renovated and beautifully refurnished. Recent upgrades include: New granite countertops, Luxury vinyl plank flooring throughout, New sink and faucet, Updated hanging light fixtures, Shiplap accent wall in the living area, Fresh interior paint, All new bedroom furniture and Soaring 12-foot ceilings for an open, airy feel. The functional layout features two spacious main suites, each with private baths, plus a third bedroom with its own bath–ideal for larger families or maximizing rental occupancy. A lar … (Read more) Experience elevated coastal living in this rare East-side corner, ground-floor premium condo offering 3 bedrooms, 3 baths, and sweeping panoramic Gulf views. Designed with the highly desirable ”U” floor plan, this layout provide breathtaking sunrise and sunset vistas from the expansive wrap-around balcony. What truly sets this condo apart is its private gated terrace access–step directly from your balcony to the pool deck and onto the beach. Inside, the condo has been thoughtfully renovated and beautifully refurnished. Recent upgrades include: New granite countertops, Luxury vinyl plank flooring throughout, New sink and faucet, Updated hanging light fixtures, Shiplap accent wall in the living area, Fresh interior paint, All new bedroom furniture and Soaring 12-foot ceilings for an open, airy feel. The functional layout features two spacious main suites, each with private baths, plus a third bedroom with its own bath–ideal for larger families or maximizing rental occupancy. A large exterior storage room just outside the front door adds additional convenience for beach gear and owner storage. With strong rental performance, unmatched accessibility, and premium corner positioning, this condo is perfectly suited for investors seeking income potential as well as buyers wanting a spacious Gulf-front retreat. 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 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# 794018

Contract Info

List Price/SqFt: 435.71

Location

Area: 03 – Bay County – Beach
Street #: 9900
Street Direction: S
Street Name: Thomas
Street Suffix: Drive
Unit #: 131
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: 40000-675-012
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 131 TYPE U ORB 2740 P 2252 3BR 3BA ORB 3404 P 2094 1400 TOTAL SF

General Property Info

Sub-Type: Condominium
Floor Number: Yes
Design: High-Rise (8+ floors)
Apx SqFt(Htd/Cooled): 1400
SqFt Source: Prop App Site
Full Baths: 3
Total Baths: 30
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: 4707.98
HOA Frequency: Quarterly
HOA Annual Amount: 18831.92
New Buyer Fee: No
Last Taxes: 6078.34
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Condo Doc: Yes

Remarks & Misc

Remarks: Experience elevated coastal living in this rare East-side corner, ground-floor premium condo offering 3 bedrooms, 3 baths, and sweeping panoramic Gulf views. Designed with the highly desirable ''U'' floor plan, this layout provide breathtaking sunrise and sunset vistas from the expansive wrap-around balcony. What truly sets this condo apart is its private gated terrace access–step directly from your balcony to the pool deck and onto the beach. Inside, the condo has been thoughtfully renovated and beautifully refurnished. Recent upgrades include: New granite countertops, Luxury vinyl plank flooring throughout, New sink and faucet, Updated hanging light fixtures, Shiplap accent wall in the living area, Fresh interior paint, All new bedroom furniture and Soaring 12-foot ceilings for an open, airy feel. The functional layout features two spacious main suites, each with private baths, plus a third bedroom with its own bath–ideal for larger families or maximizing rental occupancy. A large exterior storage room just outside the front door adds additional convenience for beach gear and owner storage. With strong rental performance, unmatched accessibility, and premium corner positioning, this condo is perfectly suited for investors seeking income potential as well as buyers wanting a spacious Gulf-front retreat. 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 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.

Dining Room

First: Yes

More Information

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

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

Bedroom: Yes
Dining Room: Yes
Full Bathroom: Yes
Kitchen: Yes
Living Room: Yes
Primary Bathroom: Yes
Primary Bedroom: 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

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes

Primary Bathroom

First: Yes

Security Features

Security Gate: Yes

Property Features

Appliances: Dishwasher; Dryer; Oven – Electric; Refrigerator; Washer; Water Heater – Electric Full Bathroom: First Primary Bedroom: 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; Trash Disposal; Water Furnished: Furnished Kitchen: First Living Room: First Primary Bathroom: First Dining Room: First Security Features: Security Gate Association Amenities: Elevators; Exercise Room; Gated Community; Pool; Security-24 hour; Whirlpool; Waterfront Rooms: Bedroom; Dining Room; Full Bathroom; Kitchen; Living Room; Primary Bathroom; Primary Bedroom 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
Primary Bedroom	First	14 x 12	14.00	12.00	if important buyer to verify
Bedroom	First	14 x 11	14.00	11.00	if important buyer to verify
Bedroom	First	12 x 12	12.00	12.00	if important buyer to verify
Dining Room	First	15 x 8.8	15.00	8.80	if important buyer to verify
Kitchen	First	11.5 x 11.5	11.50	11.50	if important buyer to verify
Living Room	First	15 x 12	15.00	12.00	if important buyer to verify
Primary Bathroom	First	12 x 6	12.00	6.00	if important buyer to verify
Full Bathroom	First	8.5 x 7.5	8.50	7.50	if important buyer to verify
Full Bathroom	First	8.7 x 4.11	8.70	4.11	if important buyer to verify

Listing Office: Christies International Real Estate Emerald Coast

Last Updated: August – 13 – 2026

Information deemed reliable but not guaranteed.