9900 S Thomas Drive 2131, Panama City Beach, FL 32408 (MLS# 794608)

9900 S Thomas Drive 2131, Panama City Beach, FL 32408

New Listing

$680,000

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

Current Price: $680,000 List Date: 8/26/2026 Last Modified: 8/26/2026

Overview

Description

Stop Waiting on the Bank. Start Owning the Beach. Your Name on the Deed. Your Terms!!! Unit 2131 is now available with OWNER FINANCING. Here's the opportunity: 25% Down 6.75% Interest 5-Year Balloon No Debt on your credit No credit check No hassle to verified income As an investor, there are things that are important to you; cashflow, something to enjoy with family and also pays for itself. This creates the opportunity where all those things exists. Especially in today's economic climate, where interest rates and lending conditions can be influenced by factors beyond your control, this is the perfect way to take control of how you invest comfortably. This end unit speaks for itself, perfectly positioned with a highly sought-after wraparound balcony with breathtaking panoramic views, offering an elevated beachfront experience that truly sets it apart. Whether you're looking for a vacation getaway, second home, or investment opportunity, this property offers a … (Read more)

Listing Details MLS# 794608

Contract Info

List Price/SqFt: 485.71

Location

Area: 03 – Bay County – Beach
Street #: 9900
Street Direction: S
Street Name: Thomas
Street Suffix: Drive
Unit #: 2131
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: No
Parcel ID: 40000-675-272
Elementary School: Breakfast Point
Middle School: Breakfast Point
High School: Arnold
Directions: rom the Hathaway bridge head west on us-98, Use the right 3 lanes to turn slightly right to stay on US-98 w, turn slightly left onto FL-30 W/Front Beach Rd, turn left onto Thomas Dr, Turn right onto S Thomas Dr, 9900 S Thomas Dr.
Legal Description: SHORES OF PANAMA II UNIT 2131 TYPE U ORB 2835 P 434 3BR 3BA . 1400 TOTAL SF ORB 4606 P 2043 PK SP 735 & 736

General Property Info

Sub-Type: Condominium
Floor Number: 21
Design: High-Rise (8+ floors)
Apx SqFt(Htd/Cooled): 1400
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: 2
Lot Dimensions: 0*0
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 4707.98
HOA Frequency: Quarterly
HOA Annual Amount: 18831.92
New Buyer Fee: No
Last Taxes: 6248.86
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Condo Doc: Yes

Remarks & Misc

Remarks: Stop Waiting on the Bank. Start Owning the Beach. Your Name on the Deed. Your Terms!!! Unit 2131 is now available with OWNER FINANCING. Here's the opportunity: 25% Down 6.75% Interest 5-Year Balloon No Debt on your credit No credit check No hassle to verified income As an investor, there are things that are important to you; cashflow, something to enjoy with family and also pays for itself. This creates the opportunity where all those things exists. Especially in today's economic climate, where interest rates and lending conditions can be influenced by factors beyond your control, this is the perfect way to take control of how you invest comfortably. This end unit speaks for itself, perfectly positioned with a highly sought-after wraparound balcony with breathtaking panoramic views, offering an elevated beachfront experience that truly sets it apart. Whether you're looking for a vacation getaway, second home, or investment opportunity, this property offers a combination that's hard to find: prime location, incredible views, and flexible owner financing!! The unit also comes with 2 deeded parking spaces sold separately.

Pool Features

Fenced: Yes
Heated – Electric: Yes
Spa/ Hot Tub: Yes

More Information

Appliances

Cooktop – Electric: Yes
Ice Maker: Yes
Oven – Electric: Yes
Range – Electric: Yes
Washer/Dryer Stacked: Yes
Water Heater – Electric: Yes

Interior Features

Breakfast Bar: Yes
Floor – Tile: Yes

Association Fees Include

Beach: Yes
Dumpster: Yes
Electricity: Yes
Internet Service: Yes
Internet-WiFi: Yes
Management: Yes
Master Association: Yes
Pool: Yes
Security: Yes
TV Cable: Yes
Water: Yes
Other – See Remarks: Yes

Financing

Cash: Yes
Conventional: Yes
Seller Financing: Yes

Furnished

Partially: Yes

Parking Features

Deeded: Yes

Rooms

Bedroom: Yes
Primary Bedroom: Yes

Utilities

Other – See Remarks: Yes

Waterfront Type

See Remarks: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes

Primary Bdrm/Primary Bath

MBed Balcony: Yes
MBed First Floor: Yes
MBed Waterfront: Yes

Primary Bath/Primary Bdrm

MBath Shower/Tub Combo: Yes

Security Features

24 Hour Security: Yes
Fire Sprinkler System: Yes
Key Card Entry: Yes
Security Gate: Yes
Security Guard: Yes
Smoke Detector(s): Yes

Property Features

Appliances: Cooktop – Electric; Ice Maker; Oven – Electric; Range – Electric; Washer/Dryer Stacked; Water Heater – Electric Primary Bedroom: First Bedroom: First Cooling: Ceiling Fan(s) Association Fees Include: Beach; TV Cable; Dumpster; Electricity; Internet Service; Internet-WiFi; Management; Master Association; Pool; Security; Water; Other – See Remarks Financing: Cash; Conventional; Seller Financing Furnished: Partially Pool Features: Fenced; Heated – Electric; Spa/ Hot Tub Security Features: 24 Hour Security; Fire Sprinkler System; Key Card Entry; Security Gate; Security Guard; Smoke Detector(s) Parking Features: Deeded Rooms: Bedroom; Primary Bedroom Utilities: Other – See Remarks Waterfront Type: See Remarks

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Primary Bedroom	First	14 x 13	14.00	13.00	If important to buyer please verify
Bedroom	First	12 x 10	12.00	10.00	If important to buyer please verify
Bedroom	First	12 x 10	12.00	10.00	If important to buyer please verify

Listing Office: Salty Marlin Realty LLC

Last Updated: August – 26 – 2026

Information deemed reliable but not guaranteed.