9900 S Thomas Drive 1428, Panama City, FL 32408 (MLS# 794017)

9900 S Thomas Drive 1428, Panama City, FL 32408

New Listing

$550,000

FrontDoorPhoto-DSC_2849_50_51_52_53_tone

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 1,525 Status: Active

Current Price: $550,000 List Date: 8/13/2026 Last Modified: 8/13/2026

Overview

Description

Experience exceptional Gulf-front living and strong investment potential with this premier 3-bedroom + bunk, 3bath condo, the largest floor plan at Shores of Panama! Designed to comfortably accommodate large groups, this spacious layout sleeps up to 10 guests, making it an ideal high-performing short-term rental or a versatile vacation retreat for multi-family use. The open and functional floor plan includes a full laundry room, generous living space, and a spacious kitchen, creating a turnkey, rental-ready opportunity with immediate income potential. From your private balcony, enjoy sweeping views of the resort-style lagoon pool and the Gulf of Mexico. Shores of Panama is one of the most sought-after beachfront resorts on the Emerald Coast, known for its 14,000+ sq. ft. zero-entry lagoon-style pool, indoor heated pool and hot tub, beachfront access, fitness center, seasonal tiki bar, and on-site dining options including coffee, snacks, and pizza. Its unbeatable location places y … (Read more)

Listing Details MLS# 794017

Contract Info

List Price/SqFt: 360.66

Location

Area: 03 – Bay County – Beach
Street #: 9900
Street Direction: S
Street Name: Thomas
Street Suffix: Drive
Unit #: 1428
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: 40000-675-178
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 1428 TYPE R ORB 2740 P 2252 3BR 3BA ORB 3404 P 2102 1525 TOTAL SF

General Property Info

Sub-Type: Condominium
Floor Number: 14
Design: High-Rise (8+ floors)
Apx SqFt(Htd/Cooled): 1525
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: 5128
HOA Frequency: Quarterly
HOA Annual Amount: 20512
New Buyer Fee: No
Last Taxes: 6135.74
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Condo Doc: Yes

Remarks & Misc

Remarks: Experience exceptional Gulf-front living and strong investment potential with this premier 3-bedroom + bunk, 3bath condo, the largest floor plan at Shores of Panama! Designed to comfortably accommodate large groups, this spacious layout sleeps up to 10 guests, making it an ideal high-performing short-term rental or a versatile vacation retreat for multi-family use. The open and functional floor plan includes a full laundry room, generous living space, and a spacious kitchen, creating a turnkey, rental-ready opportunity with immediate income potential. From your private balcony, enjoy sweeping views of the resort-style lagoon pool and the Gulf of Mexico. Shores of Panama is one of the most sought-after beachfront resorts on the Emerald Coast, known for its 14,000+ sq. ft. zero-entry lagoon-style pool, indoor heated pool and hot tub, beachfront access, fitness center, seasonal tiki bar, and on-site dining options including coffee, snacks, and pizza. Its unbeatable location places you next door to Pineapple Willy's and directly across from the dining and entertainment at Laketown Wharf. Whether you're expanding your investment portfolio or securing a beachfront getaway with income potential, this property delivers on location, size, amenities, and ROI opportunity.

Appliances

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

More Information

Exterior

Balcony: Yes

Association Fees Include

Dumpster: Yes
Exercise Room: Yes
Ground Keeping: Yes
Insurance: Yes
Master Association: Yes
Pest Control: Yes
Pool: Yes
Security: Yes
Sewer: Yes
Trash Disposal: Yes
TV Cable: Yes
Water: Yes

Financing

Assume w/int: Yes
Cash: Yes

Furnished

Furnished: Yes

Present Zoning

Resid Multi-Family: Yes

Association Amenities

Dumpster: Yes
Elevators: Yes
Exercise Room: Yes
Gated Community: Yes
Pool: Yes
Sauna/Steam Room: Yes
Security-24 hour: Yes
Waterfront: Yes
Whirlpool: Yes

Rooms

Bedroom: Yes
Primary Bedroom: 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

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes

Heating

Central: Yes

Property Features

Appliances: Dryer; Oven – Electric; Refrigerator; Washer; Water Heater – Electric Primary Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air Heating: Central Exterior: Balcony Association Fees Include: TV Cable; Dumpster; Exercise Room; Insurance; Ground Keeping; Master Association; Pest Control; Pool; Security; Sewer; Trash Disposal; Water Financing: Assume w/int; Cash Furnished: Furnished Association Amenities: Dumpster; Elevators; Exercise Room; Gated Community; Pool; Sauna/Steam Room; Security-24 hour; Whirlpool; Waterfront Rooms: Bedroom; Primary Bedroom Sale Type: As Is Utilities: TV Cable; Public Sewer – Connected; Public Water – Connected Waterfront Type: Gulf Waterview: Gulf Present Zoning: Resid Multi-Family

Room Information

Room Name	Level	Dimensions	Length	Width
Primary Bedroom	First	14 x 13	14.00	13.00
Bedroom	First	12 x 11	12.00	11.00
Bedroom	First	12 x 11	12.00	11.00

Listing Office: Christies International Real Estate Emerald Coast

Last Updated: August – 13 – 2026

Information deemed reliable but not guaranteed.