9900 S Thomas Drive 407, Panama City Beach, FL 32408 (MLS# 788034)

9900 S Thomas Drive 407, Panama City Beach, FL 32408

$465,000

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

Current Price: $465,000 List Date: 4/07/2026 Last Modified: 8/15/2026

Overview

Description

Low Floor 407, has 3 full baths, and renters love it for that reason. 2 Bedroom, plus bunkroom feels like a 3 bedroom. (Sleeps 8) Parking is a vertical space so close to unit and on same floor. No elevator hassles. New microwave, refrigerator, and LVT flooring. Shores is a rental monster and this floorplan does not disappoint! Same seller has 409 for sale too which would be great to buy them and rent them to friends and family who want to stay together. Shores of Panama is one of the best ROI's on the beach, and when you have a low floor at Shores, with same floor parking – you are Golden! This particular parking space, is very close to the unit, and has a little extra space on the side of it. Currently, Shores of Panama is undergoing a major exterior facelift, and will be so beautiful when complete, which will put your investment well ahead of the others in PCB. The new Florida Condo Requirements are fast approaching for other resorts in town, and Shores of Panama will be … (Read more)

Listing Details MLS# 788034

Contract Info

List Price/SqFt: 405.05

Location

Area: 03 – Bay County – Beach
Street #: 9900
Street Direction: S
Street Name: Thomas
Street Suffix: Drive
Unit #: 407
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0320 – Beach – Middle Central
Subdivision: Shores Of Panama
Community/Resort: None
Waterfront: Yes
Gulf Access: No
Parcel ID: 40000-650-058
Elementary School: Callaway
Middle School: Breakfast Point
High School: Arnold
Directions: Thomas Drive & Front Beach
Legal Description: SHORES OF PANAMA PHASE I UNIT 407 TYPE B(L) ORB 2740 P 2252 4TH FLOOR 2BD/3BR ORB 4162 P 429 1148 SQ FT ORB 4162 P 435 PARKING 402

General Property Info

Sub-Type: Condominium
Floor Number: 4
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: 710
Year Built: 2007
Immediate Occupancy: Yes
Pre-Const Flip: No
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Assigned Spaces: Yes
Lot Dimensions: 0x0
Beach Frontage: 500
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

Homestead: No
HOA Fee: Yes
HOA Amount: 4419.5
HOA Frequency: Quarterly
HOA Annual Amount: 17678
New Buyer Fee: No
Brokerage Interest: No Interest
As Is: Yes
Condo Doc: Yes

Remarks & Misc

Remarks: Low Floor 407, has 3 full baths, and renters love it for that reason. 2 Bedroom, plus bunkroom feels like a 3 bedroom. (Sleeps 8) Parking is a vertical space so close to unit and on same floor. No elevator hassles. New microwave, refrigerator, and LVT flooring. Shores is a rental monster and this floorplan does not disappoint! Same seller has 409 for sale too which would be great to buy them and rent them to friends and family who want to stay together. Shores of Panama is one of the best ROI's on the beach, and when you have a low floor at Shores, with same floor parking – you are Golden! This particular parking space, is very close to the unit, and has a little extra space on the side of it. Currently, Shores of Panama is undergoing a major exterior facelift, and will be so beautiful when complete, which will put your investment well ahead of the others in PCB. The new Florida Condo Requirements are fast approaching for other resorts in town, and Shores of Panama will be complete, ahead of the game, and ready to capitalize maximum profit. Once Shores facelift is complete, there will be no stopping it. It will be the premier place to be in PCB. The price tag on a beachfront low floor unit like this will never be again. Don't miss this opportunity to capitalize on a ''buy now price''. Adding this to your portfolio will ensure years of ROI success. Rentals will continue strong during construction. Shores of Panama is a 23 story Tuscany style condominium complex in the heart of Panama City Beach, and right next door to the world-famous Pineapple Willys restaurant. Shores of Panama has unbeatable amenities, including a massive lazy river style gulf-side pool and hot-tub, tiki bars, food bars, indoor pool, garage parking, and a fitness center. Stucco Construction is complete on this unit, so it's ready for summer rental .

Balcony

First: Yes

More Information

Bunk Room

First: Yes

Pool Features

Inground: Yes
Spa/ Hot Tub: Yes

Appliances

Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Range – Electric: Yes
Refrigerator: Yes
Washer: Yes
Water Heater – Electric: Yes

Interior Features

Floor – Tile: Yes
Window – Treatment All: Yes

Construction/Siding

Concrete: Yes
Roof – Flat: Yes
Siding – Stucco: Yes

Exterior

Balcony: Yes

Association Fees Include

Accounting: Yes
BBQ Pit/Grill: Yes
Beach: Yes
Conference Center: Yes
Exercise Room: Yes
Ground Keeping: Yes
Insurance: Yes
Internet-WiFi: Yes
Management: Yes
Pest Control: Yes
Picnic Area: Yes
Pool: Yes
Sauna/Steam Room: Yes
Security: Yes
Sewer: Yes
Trash Disposal: Yes
TV Cable: Yes
Water: Yes

Financing

Cash: Yes
Conventional: Yes

Furnished

Furnished: Yes

Parking Features

Assigned: Yes
Garage Attached: Yes
Gated: Yes

Association Amenities

BBQ Pit/Grill: Yes
Beach: Yes
Community Room: Yes
Conference Center: Yes
Picnic Area: Yes
Pool: Yes
Sauna/Steam Room: Yes
Security-24 hour: Yes
Other – See Remarks: Yes

Rooms

Balcony: Yes
Bedroom: Yes
Bunk Room: Yes
Full Bathroom: Yes
Half Bathroom: Yes
Primary Bathroom: Yes
Primary Bedroom: Yes

Utilities

Electricity – Connected: Yes
Public Sewer – Connected: Yes
Other – See Remarks: Yes

Waterview

Gulf: Yes

Accessibility Features

Accessible Bedroom: Yes
Accessible Central Living Area: Yes
Accessible Kitchen: Yes

Sale Type

As Is: Yes

Waterfront Type

Gulf: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Tub – Soaking: Yes
MBath Walk-In Closet: Yes

Primary Bath/Primary Bdrm

MBath Shower/Tub Combo: Yes

Primary Bathroom

First: Yes

Security Features

Fire Alarm: Yes
Smoke Detector(s): Yes

Property Features

Accessibility Features: Accessible Bedroom; Accessible Central Living Area; Accessible Kitchen Appliances: Dishwasher; Disposal; Dryer; Range – Electric; Refrigerator; Washer; Water Heater – Electric Primary Bedroom: First Bedroom: First Cooling: Central Air; Electric Heating: Central; Electric Exterior: Balcony Association Fees Include: Accounting; BBQ Pit/Grill; Beach; TV Cable; Exercise Room; Insurance; Internet-WiFi; Ground Keeping; Management; Conference Center; Pest Control; Picnic Area; Pool; Sauna/Steam Room; Security; Sewer; Trash Disposal; Water Financing: Cash; Conventional Furnished: Furnished Balcony: First Bunk Room: First Primary Bathroom: First Pool Features: Inground; Spa/ Hot Tub Security Features: Fire Alarm; Smoke Detector(s) Parking Features: Assigned; Garage Attached; Gated Association Amenities: BBQ Pit/Grill; Beach; Community Room; Conference Center; Picnic Area; Pool; Sauna/Steam Room; Security-24 hour; Other – See Remarks Rooms: Balcony; Bedroom; Bunk Room; Full Bathroom; Half Bathroom; Primary Bathroom; Primary Bedroom Sale Type: As Is Utilities: Electricity – Connected; Public Sewer – Connected; Other – See Remarks Waterfront Type: Gulf Waterview: Gulf

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Primary Bedroom	First	12 x 11	12.00	11.00	Sliding glass door, Master Bathroom has garden tub
Bedroom	First	12 x 11	12.00	11.00	All Tile, Big Bathroom inside 2nd bedroom
Bunk Room	First	10 x 8	10.00	8.00	Bunkroom is huge! Double bunk with single on top,
Primary Bathroom	First	13 x 7	13.00	7.00	double vanity
Full Bathroom		10 x 9	10.00	9.00
Half Bathroom		7 x 4	7.00	4.00
Balcony	First	14 x 8	14.00	8.00

Listing Office: Emerald Coast Real Estate & Vacations LLC

Last Updated: August – 15 – 2026

Information deemed reliable but not guaranteed.