9900 S Thomas Drive 406, Panama City, FL 32408 (MLS# 785730)

9900 S Thomas Drive 406, Panama City, FL 32408

$289,000

Property Type: Residential Baths: 1 Square Footage: 473 Status: Under Contract – Taking Backups

Current Price: $289,000 List Date: 2/24/2026 Last Modified: 6/03/2026

Overview

Description

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS THE VIBE: LUXURY COASTAL LIVING AT SHORES OF PANAMA 406 Experience the ultimate Panama City Beach getaway in this stunning 4th-floor studio sanctuary. Positioned at the perfect ''sweet spot'' elevation, Unit 406 offers breathtaking, bird's-eye views of the emerald turquoise Gulf and the world-famous tropical lagoon pool without being ''too high'' for comfort. This is where coastal charm meets resort luxury–the ideal turnkey investment or personal beach escape! THE SPACE: COZY, MODERN, AND FULLY EQUIPPED Forget cramped hotel rooms; this spacious studio is designed for comfort and style. The sleeping quarters feature a plush King-sized bed and a full-sized pull-out sleeper sofa which makes this unit perfect for small families or couples. Elegant porcelain tile flows throughout the entire condo for a clean, beach-ready feel. The gourmet kitchen is a fully equipped culinary space boasting sleek granite countertops, a hig … (Read more) CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS THE VIBE: LUXURY COASTAL LIVING AT SHORES OF PANAMA 406 Experience the ultimate Panama City Beach getaway in this stunning 4th-floor studio sanctuary. Positioned at the perfect ”sweet spot” elevation, Unit 406 offers breathtaking, bird’s-eye views of the emerald turquoise Gulf and the world-famous tropical lagoon pool without being ”too high” for comfort. This is where coastal charm meets resort luxury–the ideal turnkey investment or personal beach escape! THE SPACE: COZY, MODERN, AND FULLY EQUIPPED Forget cramped hotel rooms; this spacious studio is designed for comfort and style. The sleeping quarters feature a plush King-sized bed and a full-sized pull-out sleeper sofa which makes this unit perfect for small families or couples. Elegant porcelain tile flows throughout the entire condo for a clean, beach-ready feel. The gourmet kitchen is a fully equipped culinary space boasting sleek granite countertops, a high-efficiency ceramic cooktop, and all major appliances. For modern entertainment, relax with a 42-inch flat-screen TV integrated with Roku for all your streaming needs. This unit even includes a convenient in-suite stackable washer and dryer and a bathroom featuring a marble vanity and tub/shower combo. THE BALCONY: YOUR PRIVATE FRONT-ROW SEAT Step out onto your oversized private balcony to soak in the salt air. With plenty of outdoor furniture, this is the premier spot for morning coffee or sunset cocktails while overlooking the most photographed pool deck in Florida. The views are simply ideal–not too high, not too low, and still perfect for catching those sweeping beach vistas and famous Gulf sunsets. THE LOCATION: THE HEART OF PCB ACTION You are in the center of it all! Shores of Panama is famously situated within easy walking distance to the beach’s best attractions, shopping, and dining. Most notably, the legendary Pineapple Willy’s is located directly next door for world-class ribs and beachfront drinks. Where better to enjoy the best of the beach than from your own 4th-floor condominium? THE RESORT: A TROPICAL PARADISE UNLIKE ANY OTHER Shores of Panama is a destination unto itself, defined by its ”picture-postcard” landscaping and massive lagoon-style footprint that has to be seen to be believed. The resort features a breathtaking 13,966 square foot Gulf-side lagoon pool with zero-entry access, dolphin fountains, lagoon bridges, and waterfalls. For relaxation, enjoy the large Gulf-front Jacuzzi, two on-site Tiki bars serving lunch and dinner, or head inside to the heated indoor pool and indoor hot tub for year-round enjoyment. The resort also offers a state-of-the-art fitness center, covered on-site parking deck, private beach access, and seasonal poolside entertainment. RESORT AMENITIES AT A GLANCE Massive Gulf-side lagoon pool and hot tub along with a large heated indoor pool and second Jacuzzi. Covered on-site parking deck with private gated beach access. Two Tiki bars serving delicious food and drinks plus high-speed internet and seasonal beach activities.

Listing Details MLS# 785730

Contract Info

List Price/SqFt: 610.99

Location

Area: 03 – Bay County – Beach
Street #: 9900
Street Direction: S
Street Name: Thomas
Street Suffix: Drive
Unit #: 406
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0319 – Beach – East
Subdivision: Shores Of Panama Phase I
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 40000-650-057
Elementary School: Breakfast Point
Middle School: Breakfast Point
High School: Arnold
Directions: Shores of Panama is located at the intersection of Front Beach Road and South Thomas Drive next to Pineapple Willy's.
Legal Description: SHORES OF PANAMA PHASE I UNIT 406 TYPE G(L) ORB 2740 P 2252 4TH FLOOR EFF/1BR ORB 4113 P 198 473 SQ FT

General Property Info

Sub-Type: Condominium
Floor Number: 4
Design: High-Rise (8+ floors)
Apx SqFt(Htd/Cooled): 473
SqFt Source: Prop App Site
Full Baths: Yes
Total Baths: Yes
Year Built: 2007
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Lot Dimensions: N/A
Pool: Yes
Pool Type: Community

Status Change Info

Under Contract Date: 2026-04-10

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 1722.5
HOA Frequency: Quarterly
HOA Annual Amount: 6890
New Buyer Fee: No
Last Taxes: 2920
Last Tax Year: 2025
Brokerage Interest: No Interest
Condo Doc: Yes

Remarks & Misc

Remarks: CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS THE VIBE: LUXURY COASTAL LIVING AT SHORES OF PANAMA 406 Experience the ultimate Panama City Beach getaway in this stunning 4th-floor studio sanctuary. Positioned at the perfect ''sweet spot'' elevation, Unit 406 offers breathtaking, bird's-eye views of the emerald turquoise Gulf and the world-famous tropical lagoon pool without being ''too high'' for comfort. This is where coastal charm meets resort luxury–the ideal turnkey investment or personal beach escape! THE SPACE: COZY, MODERN, AND FULLY EQUIPPED Forget cramped hotel rooms; this spacious studio is designed for comfort and style. The sleeping quarters feature a plush King-sized bed and a full-sized pull-out sleeper sofa which makes this unit perfect for small families or couples. Elegant porcelain tile flows throughout the entire condo for a clean, beach-ready feel. The gourmet kitchen is a fully equipped culinary space boasting sleek granite countertops, a high-efficiency ceramic cooktop, and all major appliances. For modern entertainment, relax with a 42-inch flat-screen TV integrated with Roku for all your streaming needs. This unit even includes a convenient in-suite stackable washer and dryer and a bathroom featuring a marble vanity and tub/shower combo. THE BALCONY: YOUR PRIVATE FRONT-ROW SEAT Step out onto your oversized private balcony to soak in the salt air. With plenty of outdoor furniture, this is the premier spot for morning coffee or sunset cocktails while overlooking the most photographed pool deck in Florida. The views are simply ideal–not too high, not too low, and still perfect for catching those sweeping beach vistas and famous Gulf sunsets. THE LOCATION: THE HEART OF PCB ACTION You are in the center of it all! Shores of Panama is famously situated within easy walking distance to the beach's best attractions, shopping, and dining. Most notably, the legendary Pineapple Willy's is located directly next door for world-class ribs and beachfront drinks. Where better to enjoy the best of the beach than from your own 4th-floor condominium? THE RESORT: A TROPICAL PARADISE UNLIKE ANY OTHER Shores of Panama is a destination unto itself, defined by its ''picture-postcard'' landscaping and massive lagoon-style footprint that has to be seen to be believed. The resort features a breathtaking 13,966 square foot Gulf-side lagoon pool with zero-entry access, dolphin fountains, lagoon bridges, and waterfalls. For relaxation, enjoy the large Gulf-front Jacuzzi, two on-site Tiki bars serving lunch and dinner, or head inside to the heated indoor pool and indoor hot tub for year-round enjoyment. The resort also offers a state-of-the-art fitness center, covered on-site parking deck, private beach access, and seasonal poolside entertainment. RESORT AMENITIES AT A GLANCE Massive Gulf-side lagoon pool and hot tub along with a large heated indoor pool and second Jacuzzi. Covered on-site parking deck with private gated beach access. Two Tiki bars serving delicious food and drinks plus high-speed internet and seasonal beach activities.

More Information

Studio

First: Yes

Association Fees Include

Accounting: Yes
BBQ Pit/Grill: Yes
Beach: Yes
Community Room: Yes
Dumpster: Yes
Exercise Room: Yes
Gated Community: Yes
Ground Keeping: Yes
Internet-WiFi: Yes
Management: Yes
Pest Control: Yes
Pool: Yes
Recreational Faclty: Yes
Security: Yes
Sewer: Yes
Trash Disposal: Yes
TV Cable: Yes
Water: Yes

Financing

Cash: Yes
Conventional: Yes

Furnished

Furnished: Yes

Association Amenities

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

Rooms

Studio: Yes

Utilities

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

Waterview

Gulf: Yes

Sale Type

As Is: Yes

Waterfront Type

Gulf: Yes

Property Features

Association Fees Include: Accounting; BBQ Pit/Grill; Beach; TV Cable; Community Room; Dumpster; Exercise Room; Gated Community; Internet-WiFi; Ground Keeping; Management; Pest Control; Pool; Recreational Faclty; Security; Sewer; Trash Disposal; Water Financing: Cash; Conventional Furnished: Furnished Studio: First Association Amenities: BBQ Pit/Grill; Beach; Dog Park; Dumpster; Elevators; Exercise Room; Gated Community; Picnic Area; Pool; Security-24 hour; Whirlpool; Waterfront Rooms: Studio Sale Type: As Is Utilities: TV Cable; Garbage; Internet – Broadband Available; Public Sewer – Connected; Public Water – Connected Waterfront Type: Gulf Waterview: Gulf

Room Information

Room Name	Level	Dimensions	Length	Width
Studio	First	18 x 13	18.00	13.00

Listing Office: CENTURY 21 Ryan Realty Inc

Last Updated: June – 03 – 2026

Information deemed reliable but not guaranteed.