9900 S Thomas Drive 1704, Panama City, FL 32408 (MLS# 786779)

9900 S Thomas Drive 1704, Panama City, FL 32408

$407,900

SPACIOUS OPEN LIVING ROOM/ KITCHEN CONCEPT

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Property Type: Residential Bedrooms: 2 Baths: 3 Square Footage: 1,148 Status: Active

Current Price: $407,900 List Date: 3/14/2026 Last Modified: 8/20/2026

Overview

Description

WELCOME TO SHORES OF PANAMA 1704…..Stunning beachfront residence at **Shores of Panama – Unit 1704**. This beautifully appointed 2-bedroom plus private bunk room condominium offers exceptional Gulf views, luxury finishes, and impressive short-term rental potential. With the right management company, projected gross rental income ranges from **$75,000-$80,000 annually**, making it an outstanding investment opportunity. ## Property Overview Unit 1704 is thoughtfully designed for comfort, privacy, and rental performance. – **2 oversized bedrooms**, each featuring a private ensuite full bathroom – **Private bunk room** with its own bathroom and stand-up shower – Spacious open-concept living and dining area – Expansive beachfront balcony with breathtaking Gulf views – Offered **fully furnished** with upscale décor – Well-equipped kitchen with quality cabinetry, appliances, and ample counter space The split-bedroom layout maximizes privacy for guests, making t … (Read more) WELCOME TO SHORES OF PANAMA 1704…..Stunning beachfront residence at **Shores of Panama – Unit 1704**. This beautifully appointed 2-bedroom plus private bunk room condominium offers exceptional Gulf views, luxury finishes, and impressive short-term rental potential. With the right management company, projected gross rental income ranges from **$75,000-$80,000 annually**, making it an outstanding investment opportunity. ## Property Overview Unit 1704 is thoughtfully designed for comfort, privacy, and rental performance. – **2 oversized bedrooms**, each featuring a private ensuite full bathroom – **Private bunk room** with its own bathroom and stand-up shower – Spacious open-concept living and dining area – Expansive beachfront balcony with breathtaking Gulf views – Offered **fully furnished** with upscale décor – Well-equipped kitchen with quality cabinetry, appliances, and ample counter space The split-bedroom layout maximizes privacy for guests, making this unit highly desirable for vacation rentals. The additional bunk room with a private bath significantly enhances occupancy potential and guest appeal. ## Investment Highlights This property is approved for **short-term rentals** and has strong income potential. – Estimated **$75,000-$80,000 gross annual income** with professional management – High-demand beachfront location – Turnkey and rental-ready – Strong guest appeal due to layout and amenities With its prime Gulf-front positioning and resort-level amenities, Unit 1704 is designed to generate consistent rental performance while offering owners personal enjoyment. ## Resort-Style Amenities at Shores of Panama Shores of Panama is known for delivering one of the most impressive amenity packages on the Gulf Coast. – **13,966 sq. ft. Gulf-front, zero-entry lagoon-style pool** with hot tub – Heated indoor pool for year-round enjoyment – Two seasonal tiki bars serving lunch and dinner – On-site coffee shop – Fully equipped fitness center – 24/7 on-site security – Direct beach access The lagoon-style pool is a signature feature of the resort and a major draw for vacationers. ## Prime Location Convenience and entertainment are right outside your door. – Adjacent to **Pineapple Willy’s**, a local favorite – Walking distance to numerous restaurants, shopping, and entertainment venues – Wal-Mart located directly across the street for everyday essentials This central location enhances rental desirability by offering guests easy access to everything they need without requiring transportation. — Shores of Panama Unit 1704 delivers the perfect combination of luxury beachfront living and strong investment potential. Whether you are seeking a high-performing vacation rental or a personal Gulf-front retreat, this fully furnished, amenity-rich residence is positioned to exceed expectations.

Listing Details MLS# 786779

Contract Info

List Price/SqFt: 355.31

Location

Area: 03 – Bay County – Beach
Street #: 9900
Street Direction: S
Street Name: Thomas
Street Suffix: Drive
Unit #: 1704
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0318 – Beach – Central South
Subdivision: Shores Of Panama Phase I
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 40000-650-289
Elementary School: Breakfast Point
Middle School: Surfside
High School: Arnold
Directions: Shores of Panama is next to Pineapple Willy's Restaurant across from Lake Town Warf on South Thomas Drive
Legal Description: SHORES OF PANAMA PHASE I UNIT 1704 TYPE B(R) ORB 2740 P 2252 17TH FLOOR 2BD/3BR ORB 4323 P 1398 1148 SQ FT ORB 4323 P 1419 PARK SP# 725

General Property Info

Sub-Type: Condominium
Floor Number: 17
Design: High-Rise (8+ floors)
Apx SqFt(Htd/Cooled): 1148
SqFt Source: Prop App Site
Full Baths: 3
Total Baths: 3
# of Stories in Building: 23
# of Units in Bldg: 709
Year Built: 2007
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: 4419.5
HOA Frequency: Quarterly
HOA Annual Amount: 17678
New Buyer Fee: No
Last Taxes: 5030
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Condo Doc: Yes

Remarks & Misc

Remarks: WELCOME TO SHORES OF PANAMA 1704…..Stunning beachfront residence at **Shores of Panama – Unit 1704**. This beautifully appointed 2-bedroom plus private bunk room condominium offers exceptional Gulf views, luxury finishes, and impressive short-term rental potential. With the right management company, projected gross rental income ranges from **$75,000-$80,000 annually**, making it an outstanding investment opportunity. ## Property Overview Unit 1704 is thoughtfully designed for comfort, privacy, and rental performance. – **2 oversized bedrooms**, each featuring a private ensuite full bathroom – **Private bunk room** with its own bathroom and stand-up shower – Spacious open-concept living and dining area – Expansive beachfront balcony with breathtaking Gulf views – Offered **fully furnished** with upscale décor – Well-equipped kitchen with quality cabinetry, appliances, and ample counter space The split-bedroom layout maximizes privacy for guests, making this unit highly desirable for vacation rentals. The additional bunk room with a private bath significantly enhances occupancy potential and guest appeal. ## Investment Highlights This property is approved for **short-term rentals** and has strong income potential. – Estimated **$75,000-$80,000 gross annual income** with professional management – High-demand beachfront location – Turnkey and rental-ready – Strong guest appeal due to layout and amenities With its prime Gulf-front positioning and resort-level amenities, Unit 1704 is designed to generate consistent rental performance while offering owners personal enjoyment. ## Resort-Style Amenities at Shores of Panama Shores of Panama is known for delivering one of the most impressive amenity packages on the Gulf Coast. – **13,966 sq. ft. Gulf-front, zero-entry lagoon-style pool** with hot tub – Heated indoor pool for year-round enjoyment – Two seasonal tiki bars serving lunch and dinner – On-site coffee shop – Fully equipped fitness center – 24/7 on-site security – Direct beach access The lagoon-style pool is a signature feature of the resort and a major draw for vacationers. ## Prime Location Convenience and entertainment are right outside your door. – Adjacent to **Pineapple Willy's**, a local favorite – Walking distance to numerous restaurants, shopping, and entertainment venues – Wal-Mart located directly across the street for everyday essentials This central location enhances rental desirability by offering guests easy access to everything they need without requiring transportation. — Shores of Panama Unit 1704 delivers the perfect combination of luxury beachfront living and strong investment potential. Whether you are seeking a high-performing vacation rental or a personal Gulf-front retreat, this fully furnished, amenity-rich residence is positioned to exceed expectations.

Pool Features

Inground: Yes
Indoor: Yes
Spa/ Hot Tub: Yes

More Information

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Disposal: Yes
Microwave: Yes
Oven – Electric: Yes
Washer/Dryer Stacked: Yes
Water Heater – Electric: Yes

Interior Features

Breakfast Bar: Yes
Floor – Tile: Yes
Window – Treatment All: Yes

Construction/Siding

Siding – Stucco: Yes

Exterior

Balcony: Yes

Waterfront Feature

Shore – Beach: Yes

Association Fees Include

Accounting: Yes
BBQ Pit/Grill: Yes
Beach: Yes
Dumpster: Yes
Exercise Room: Yes
Ground Keeping: Yes
Insurance: Yes
Internet-WiFi: Yes
Master Association: Yes
Pest Control: Yes
Pool: Yes
Security: Yes
Sewer: Yes
Trash Disposal: Yes
TV Cable: Yes
Water: Yes
Whirlpool: Yes

Furnished

Furnished: Yes

Interior

Bunk Room: Yes

Lot Features

Near Beach Access: Yes
Within 1/2 Mile to Water: Yes

Lot Access

City Street: Yes

Parking Features

Community Structure: Yes
Deeded: Yes

Present Zoning

City: Yes
Resid Multi-Family: Yes

Association Amenities

BBQ Pit/Grill: Yes
Beach: Yes
Community Room: Yes
Exercise Room: Yes
Gated Community: Yes
Pool: Yes
Waterfront: Yes
Dining: Yes

Rooms

Bedroom: Yes
Primary Bedroom: Yes

Utilities

Electricity – Connected: Yes
Garbage: 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
Electric: Yes

Heating

Central: Yes
Electric: Yes

Primary Bath/Primary Bdrm

MBath Shower/Tub Combo: Yes

Security Features

24 Hour Security: Yes
Building Security: Yes
Fire Alarm: Yes
Fire Sprinkler System: Yes
Gated with Guard: Yes
Security Guard: Yes

Property Features

Appliances: Cooktop – Electric; Dishwasher; Disposal; Microwave; Oven – Electric; Washer/Dryer Stacked; Water Heater – Electric Primary Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric Exterior: Balcony Association Fees Include: Accounting; BBQ Pit/Grill; Beach; TV Cable; Dumpster; Exercise Room; Insurance; Internet-WiFi; Ground Keeping; Master Association; Pest Control; Pool; Security; Sewer; Whirlpool; Trash Disposal; Water Furnished: Furnished Interior: Bunk Room Lot Features: Near Beach Access; Within 1/2 Mile to Water Lot Access: City Street Pool Features: Inground; Indoor; Spa/ Hot Tub Security Features: 24 Hour Security; Building Security; Fire Alarm; Fire Sprinkler System; Gated with Guard; Security Guard Parking Features: Community Structure; Deeded Association Amenities: BBQ Pit/Grill; Beach; Community Room; Dining; Exercise Room; Gated Community; Pool; Waterfront Rooms: Bedroom; Primary Bedroom Sale Type: As Is Utilities: Electricity – Connected; Garbage; Public Sewer – Connected; Public Water – Connected Waterfront Type: Gulf Waterfront Feature: Shore – Beach Waterview: Gulf Present Zoning: Resid Multi-Family

Room Information

Room Name	Level	Dimensions	Length	Width
Bedroom	First	12 x 10	12.00	10.00
Primary Bedroom	First	17.5 x 11.5	17.50	11.50

Listing Office: Keller Williams Success Realty

Last Updated: August – 20 – 2026

Information deemed reliable but not guaranteed.