9900 S Thomas Drive 2103, Panama City Beach, FL 32408 (MLS# 784191)

9900 S Thomas Drive 2103, Panama City Beach, FL 32408

$570,000

Property Type: Residential Bedrooms: 2 Baths: 3 Square Footage: 1,131 Status: Active

Current Price: $570,000 List Date: 1/26/2026 Last Modified: 6/05/2026

Overview

Description

Take advantage of this RARE opportunity to own a beautiful, luxurious Gulf front END unit! These 'E Floor Plan' type units rarely come on the market so this is your chance to invest in a Shores of Panama, breathtaking view of the Gulf, with a very competitive short term rental income condo. The wrap around 90 degree balcony provides a breathtaking view of the white sugary sands and of the blue Gulf waters which is only available with the End units. Unit 2103 is perfectly designed as a 2 bedroom with Bunkie's/ 2.5 bath turn-key condo that is fully furnished, and fully stocked (see document section for full inventory list) and is ready to go. Views of the Gulf are seen from both the living room and from the master bedroom. Relax on the wrap around balcony and watch both the Florida sunrises and the Florida sunsets as you enjoy your morning coffee and your evening glass of wine. Don't forget as you watch, look for the dolphins! Please see the video tour of this condo in this listin … (Read more)

Listing Details MLS# 784191

Contract Info

List Price/SqFt: 503.98

Location

Area: 03 – Bay County – Beach
Street #: 9900
Street Direction: S
Street Name: Thomas
Street Suffix: Drive
Unit #: 2103
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0318 – Beach – Central South
Subdivision: Shores Of Panama
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 40000-650-360
Elementary School: Breakfast Point
Middle School: Breakfast Point
High School: Arnold
Directions: From US Hwy 98 head toward the intersection of Front Beach Road and Thomas Drive. Shores of Panama is located next to Pineapple Willy's right across the street from Laketown Wharf.
Legal Description: SHORES OF PANAMA PHASE I UNIT 2103 TYPE E ORB 2740 P 2252 21ST FLOOR 2BD/2.5BR ORB 4654 P 2391 1131 SQ FT

General Property Info

Sub-Type: Condominium
Floor Number: 21
Design: High-Rise (8+ floors)
Apx SqFt(Htd/Cooled): 1131
SqFt Source: Agent Measured
Full Baths: 2
Half Baths: Yes
Total Baths: 3
# of Stories in Building: 23
# of Units in Bldg: 709
Year Built: 2007
Immediate Occupancy: Yes
Pre-Const Flip: No
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: Yes
Lot Dimensions: CONDO
Pool: Yes
Pool Type: Community
Assigned Spaces: 0

Listing Info, Tax and Legal

Homestead: No
HOA Fee: Yes
HOA Amount: 4354.06
HOA Frequency: Quarterly
HOA Annual Amount: 17416.24
Senior Community: No
Is Subject Leased: No
New Buyer Fee: No
Last Taxes: 5978
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Section: 36
Township: 3S
Range: 16W
Condo Doc: Yes

Remarks & Misc

Remarks: Take advantage of this RARE opportunity to own a beautiful, luxurious Gulf front END unit! These 'E Floor Plan' type units rarely come on the market so this is your chance to invest in a Shores of Panama, breathtaking view of the Gulf, with a very competitive short term rental income condo. The wrap around 90 degree balcony provides a breathtaking view of the white sugary sands and of the blue Gulf waters which is only available with the End units. Unit 2103 is perfectly designed as a 2 bedroom with Bunkie's/ 2.5 bath turn-key condo that is fully furnished, and fully stocked (see document section for full inventory list) and is ready to go. Views of the Gulf are seen from both the living room and from the master bedroom. Relax on the wrap around balcony and watch both the Florida sunrises and the Florida sunsets as you enjoy your morning coffee and your evening glass of wine. Don't forget as you watch, look for the dolphins! Please see the video tour of this condo in this listing to get the full effect of what this condo offers and of what the Shores of Panama grounds offer. See documents section for everything you need! Shores of Panama Resort Condominiums are world-renowned for their massive resort-style lagoon pool that is complete with a hot tub and Tiki bars. The other amenities include an indoor heated pool, a spa, a fitness center, a sauna, a steam room, and in-resort shopping. There is also a banquet hall located on site for 'winter time' entertainment and for guest activities that the staff puts on year round for fun and enjoyment! Shores of Panama is also located right next to Pineapple Willys, which is also a renowned fabulous beach front restaurant. This unit is managed by a STR company so it is fully operated and easily able to switch over. Come see this picturesque condominium unit and visit the grounds of Shores of Panama and you will fall in love with this complex. Enjoy all it has to offer!

Balcony

First: Yes

More Information

Master Bathroom

First: Yes

Pool Features

Inground: Yes
Indoor: Yes
Spa/ Hot Tub: Yes
Other – See Remarks: Yes

Appliances

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

Interior Features

Breakfast Bar: Yes
Floor – Tile: Yes
Lighting – Track: Yes
Lock Out Closet: Yes
Pantry: Yes
Split Bedroom: Yes
Window – Treatment Some: Yes

Exterior

Balcony: Yes

Association Fees Include

Accounting: Yes
BBQ Pit/Grill: Yes
Beach: Yes
Exercise Room: Yes
Gated Community: Yes
Ground Keeping: Yes
Internet-WiFi: Yes
Pest Control: Yes
Picnic Area: Yes
Pool: Yes
Sauna/Steam Room: Yes
Security: Yes
Sewer: Yes
Trash Disposal: Yes
Whirlpool: Yes

Financing

Cash: Yes
Conventional: Yes

Furnished

Furnished: Yes

Interior

Bunk Room: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

Covenants & Rescrictions: Yes
Sidewalk: Yes
Waterfront: Yes

Lot Access

City Street: Yes
Gated Access: Yes
Paved Road: Yes

Parking Features

Assigned: Yes
Electric Gate: Yes
Gated: Yes
Paved: Yes

Mstr Bath / Mstr Bdrm

MBath Shower/Tub Combo: Yes

Present Zoning

Resid Multi-Family: Yes

Association Amenities

BBQ Pit/Grill: Yes
Beach: Yes
Community Room: Yes
Elevators: Yes
Exercise Room: Yes
Gated Community: Yes
Picnic Area: Yes
Pool: Yes
Security-24 hour: Yes
Whirlpool: Yes
Sidewalks: Yes

Rooms

Balcony: Yes
Bedroom: Yes
Bunk Room: Yes
Full Bathroom: Yes
Kitchen: Yes
Living Room: Yes
Master Bathroom: Yes
Master Bedroom: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Garbage: 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

Master Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes

Security Features

24 Hour Security: Yes
Building Security: Yes
Closed Circuit Camera(s): Yes
Fire Sprinkler System: Yes
Gated with Guard: Yes
Secured Garage/Parking: Yes
Security Gate: Yes
Security Guard: Yes
Security Lights: Yes
Smoke Detector(s): Yes

Property Features

Appliances: Cooktop – Electric; Dishwasher; Disposal; Microwave; Oven – Electric; Range – Electric; Refrigerator; Washer/Dryer Stacked; Water Heater – Electric Full Bathroom: First Master Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric Exterior: Balcony Association Fees Include: Accounting; BBQ Pit/Grill; Beach; Exercise Room; Gated Community; Internet-WiFi; Ground Keeping; Pest Control; Picnic Area; Pool; Sauna/Steam Room; Security; Sewer; Whirlpool; Trash Disposal Financing: Cash; Conventional Furnished: Furnished Interior: Bunk Room Kitchen: First Living Room: First Lot Features: Covenants & Rescrictions; Sidewalk; Waterfront Lot Access: City Street; Gated Access; Paved Road Balcony: First Master Bathroom: First Pool Features: Inground; Indoor; Spa/ Hot Tub; Other – See Remarks Security Features: 24 Hour Security; Building Security; Closed Circuit Camera(s); Fire Sprinkler System; Gated with Guard; Secured Garage/Parking; Security Gate; Security Guard; Security Lights; Smoke Detector(s) Parking Features: Assigned; Electric Gate; Gated; Paved Association Amenities: BBQ Pit/Grill; Beach; Community Room; Elevators; Exercise Room; Gated Community; Picnic Area; Pool; Security-24 hour; Sidewalks; Whirlpool Rooms: Balcony; Bedroom; Bunk Room; Full Bathroom; Kitchen; Living Room; Master Bathroom; Master Bedroom Sale Type: As Is Utilities: TV Cable; Electricity – Connected; Garbage; Public Sewer – Connected; Public Water – Connected Waterfront Type: Gulf Waterview: Gulf Present Zoning: Resid Multi-Family

Room Information

Room Name	Level	Dimensions	Length	Width
Living Room	First	14.8 x 17	14.80	17.00
Kitchen	First	15 x 10.2	15.00	10.20
Master Bedroom	First	11.8 x 13.5	11.80	13.50
Bedroom	First	14.5 x 13.5	14.50	13.50
Bunk Room		9 x 9	9.00	9.00
Master Bathroom	First	13.3 x 5	13.30	5.00
Full Bathroom	First	4 x 7	4.00	7.00
Full Bathroom	First	5.2 x 9.8	5.20	9.80
Balcony	First	6 x 30	6.00	30.00

Listing Office: Coastal Palms Real Estate

Last Updated: June – 05 – 2026

Information deemed reliable but not guaranteed.