9900 S Thomas Drive 323, Panama City, FL 32408 (MLS# 787612)

9900 S Thomas Drive 323, Panama City, FL 32408

$449,000

Second bedroom suite with its own bathroom.

Bonus room large enough to be a bedroom.

Property Type: Residential Bedrooms: 2 Baths: 3 Square Footage: 1,102 Status: Active

Current Price: $449,000 List Date: 3/30/2026 Last Modified: 9/02/2026

Overview

Description

Deeded Garage Space on the same floor of unit. No elevators necessary. This highly sought-after low-floor unit features one of the best 2-bedroom floor plans at Shores of Panama–and lives like a 3-bedroom. The spacious bunk room is a true enclosed room with a door and window, offering added privacy and flexibility for guests. Designed for both comfort and views, the Gulf-front primary suite and living area open directly onto an extra-wide private balcony through sliding glass doors. Enjoy breathtaking Gulf views, coastal breezes, and the soothing sound of the waves right from your living space. This unique layout includes a Gulf-view primary suite with private bath and balcony access, a second suite with its own bath, a private bunk room, and an additional guest bathroom–providing ideal accommodations for owners and guests alike. The open-concept living area features a fully equipped kitchen, breakfast bar, and dining space perfect for entertaining. Offered fully furnished … (Read more) Deeded Garage Space on the same floor of unit. No elevators necessary. This highly sought-after low-floor unit features one of the best 2-bedroom floor plans at Shores of Panama–and lives like a 3-bedroom. The spacious bunk room is a true enclosed room with a door and window, offering added privacy and flexibility for guests. Designed for both comfort and views, the Gulf-front primary suite and living area open directly onto an extra-wide private balcony through sliding glass doors. Enjoy breathtaking Gulf views, coastal breezes, and the soothing sound of the waves right from your living space. This unique layout includes a Gulf-view primary suite with private bath and balcony access, a second suite with its own bath, a private bunk room, and an additional guest bathroom–providing ideal accommodations for owners and guests alike. The open-concept living area features a fully equipped kitchen, breakfast bar, and dining space perfect for entertaining. Offered fully furnished and turnkey, the condo showcases attractive plank flooring, coastal-inspired colors, and quality finishes throughout. Step onto the balcony to take in stunning pool views along with glimpses of turquoise waters and sugar-white sand. A rare highlight of this property is the deeded parking space located on the same (3rd) floor–no elevators needed–providing unmatched convenience and easy access. Low-floor units like this are rarely available, allowing you to skip elevator wait times with just a short walk up two flights of stairs. Shores of Panama offers resort-style amenities including a spectacular zero-entry pool, tiki bars, hot tubs, indoor pool, sauna, steam rooms, fitness center, and on-site snack shop with coffee, donuts, and ice cream. Ideally located next to Pineapple Willy’s and just minutes from Pier Park, Topgolf, and Pirate’s Voyage, this condo puts you in the heart of Panama City Beach’s best dining, shopping, and entertainment. With its exceptional layout, stunning views, and unbeatable convenience, this property is a must-see.

Listing Details MLS# 787612

Contract Info

List Price/SqFt: 407.44

Location

Area: 03 – Bay County – Beach
Street #: 9900
Street Direction: S
Street Name: Thomas
Street Suffix: Drive
Unit #: 323
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: 40000-675-030
Elementary School: Breakfast Point
Middle School: Breakfast Point
High School: Arnold
Directions: Shores of Panama is located right next to Pineapple Willy's at the intersection of S. Thomas Dr and Front Beach Road.
Legal Description: SHORES OF PANAMA II UNIT 323 TYPE L ORB 2835 P 434 2BR 2.5BA ORB 4291 P 1097 1102 TOTAL SF ORB 4322 P 1302 PK SP 350

General Property Info

Sub-Type: Condominium
Floor Number: 3
Design: High-Rise (8+ floors)
Apx SqFt(Htd/Cooled): 1102
SqFt Source: Prop App Site
Full Baths: 2
Half Baths: Yes
Total Baths: 3
Year Built: 2007
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: Yes
Assigned Spaces: Yes
Lot Dimensions: 0x0
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 3705
HOA Frequency: Quarterly
HOA Annual Amount: 14820
New Buyer Fee: No
Last Taxes: 4727
Last Tax Year: 2025
Brokerage Interest: No Interest
Condo Doc: Yes

Remarks & Misc

Remarks: Deeded Garage Space on the same floor of unit. No elevators necessary. This highly sought-after low-floor unit features one of the best 2-bedroom floor plans at Shores of Panama–and lives like a 3-bedroom. The spacious bunk room is a true enclosed room with a door and window, offering added privacy and flexibility for guests. Designed for both comfort and views, the Gulf-front primary suite and living area open directly onto an extra-wide private balcony through sliding glass doors. Enjoy breathtaking Gulf views, coastal breezes, and the soothing sound of the waves right from your living space. This unique layout includes a Gulf-view primary suite with private bath and balcony access, a second suite with its own bath, a private bunk room, and an additional guest bathroom–providing ideal accommodations for owners and guests alike. The open-concept living area features a fully equipped kitchen, breakfast bar, and dining space perfect for entertaining. Offered fully furnished and turnkey, the condo showcases attractive plank flooring, coastal-inspired colors, and quality finishes throughout. Step onto the balcony to take in stunning pool views along with glimpses of turquoise waters and sugar-white sand. A rare highlight of this property is the deeded parking space located on the same (3rd) floor–no elevators needed–providing unmatched convenience and easy access. Low-floor units like this are rarely available, allowing you to skip elevator wait times with just a short walk up two flights of stairs. Shores of Panama offers resort-style amenities including a spectacular zero-entry pool, tiki bars, hot tubs, indoor pool, sauna, steam rooms, fitness center, and on-site snack shop with coffee, donuts, and ice cream. Ideally located next to Pineapple Willy's and just minutes from Pier Park, Topgolf, and Pirate's Voyage, this condo puts you in the heart of Panama City Beach's best dining, shopping, and entertainment. With its exceptional layout, stunning views, and unbeatable convenience, this property is a must-see.

Bonus Room

Third: Yes

More Information

Pool Features

Inground: Yes

Appliances

Dishwasher: Yes
Range – Electric: Yes
Refrigerator: Yes
Water Heater – Electric: Yes

Interior Features

Floor – Vinyl Plank: Yes
Window – Treatment All: 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 Service: Yes
Internet-WiFi: Yes
Pest Control: Yes
Picnic Area: Yes
Playground: Yes
Pool: Yes
Recreational Faclty: Yes
Security: Yes
Sewer: Yes
TV Cable: Yes
Water: Yes

Furnished

Furnished: Yes

Interior

Bonus Room: Yes
Bunk Room: Yes

Kitchen

Third: Yes

Living Room

Third: Yes

Lot Access

Paved Road: Yes

Parking Features

Deeded: Yes

Association Amenities

BBQ Pit/Grill: Yes
Beach: Yes
Dumpster: Yes
Elevators: Yes
Exercise Room: Yes
Game Room: Yes
Playground: Yes
Pool: Yes
Security-24 hour: Yes
Waterfront: Yes

Rooms

Bedroom: Yes
Bonus Room: Yes
Kitchen: Yes
Living Room: Yes
Primary Bedroom: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Internet – Broadband Available: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Waterview

Gulf: Yes

Waterfront Type

Gulf: Yes

Primary Bedroom

Third: Yes

Bedroom

Third: Yes

Cooling

Central Air: Yes

Heating

Central: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes

Security Features

24 Hour Security: Yes

Property Features

Appliances: Dishwasher; Range – Electric; Refrigerator; Water Heater – Electric Primary Bedroom: Third Bedroom: Third Cooling: Central Air Heating: Central Exterior: Balcony Association Fees Include: Accounting; BBQ Pit/Grill; Beach; TV Cable; Exercise Room; Gated Community; Internet Service; Internet-WiFi; Ground Keeping; Pest Control; Picnic Area; Playground; Pool; Recreational Faclty; Security; Sewer; Water Furnished: Furnished Interior: Bonus Room; Bunk Room Kitchen: Third Living Room: Third Lot Access: Paved Road Bonus Room: Third Pool Features: Inground Security Features: 24 Hour Security Parking Features: Deeded Association Amenities: BBQ Pit/Grill; Beach; Dumpster; Elevators; Exercise Room; Game Room; Playground; Pool; Security-24 hour; Waterfront Rooms: Bedroom; Bonus Room; Kitchen; Living Room; Primary Bedroom Utilities: TV Cable; Electricity – Connected; Internet – Broadband Available; Public Sewer – Connected; Public Water – Connected Waterfront Type: Gulf Waterview: Gulf

Room Information

Room Name	Level	Dimensions	Length	Width
Living Room	Third	12 x 13.7	12.00	13.70
Kitchen	Third	7 x 7.7	7.00	7.70
Primary Bedroom	Third	14 x 11.7	14.00	11.70
Bedroom	Third	10.5 x 14	10.50	14.00
Bonus Room	Third	11.3 x 7.7	11.30	7.70

Listing Office: Hilltop Legacy Realty

Last Updated: September – 02 – 2026

Information deemed reliable but not guaranteed.