9900 S Thomas Drive 820, Panama City Beach, FL 32408 (MLS# 790943)

9900 S Thomas Drive 820, Panama City Beach, FL 32408

New Listing

$465,000

Virtual Tour

https://www.zillow.com/view-imx/56a537eb-f874-433d-88ce-222d2322f3d6?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard

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

Current Price: $465,000 List Date: 6/07/2026 Last Modified: 6/07/2026

Overview

Description

DIRECT GULF VIEWS. SAME-LEVEL DEEDED PARKING. TURNKEY 2026 DESIGNER UPDATE. Shores of Panama Unit 820 is a beautifully updated Type L floor plan positioned in the highly desired 20 stack at Shores of Panama in Panama City Beach, Florida. Located on the 8th floor, this 2-bedroom, 2.5-bath condo also includes a private bunk room, creating three separate sleeping areas with accommodations for up to 8 guests. This desirable elevation sits above the palm trees while maintaining a strong connection to the beach, Gulf, and resort pool below. The 20 stack faces directly south, offering straight-on Gulf views and a front-row perspective over the expansive lagoon-style pool that has made Shores of Panama one of the most recognizable vacation resorts in Panama City Beach. Completely redecorated by a professional interior designer in 2026, this turnkey condo features fresh paint, all-new furniture, rugs, artwork, décor, lighting fixtures, and ceiling fans throughout. The fully equipped k … (Read more) DIRECT GULF VIEWS. SAME-LEVEL DEEDED PARKING. TURNKEY 2026 DESIGNER UPDATE. Shores of Panama Unit 820 is a beautifully updated Type L floor plan positioned in the highly desired 20 stack at Shores of Panama in Panama City Beach, Florida. Located on the 8th floor, this 2-bedroom, 2.5-bath condo also includes a private bunk room, creating three separate sleeping areas with accommodations for up to 8 guests. This desirable elevation sits above the palm trees while maintaining a strong connection to the beach, Gulf, and resort pool below. The 20 stack faces directly south, offering straight-on Gulf views and a front-row perspective over the expansive lagoon-style pool that has made Shores of Panama one of the most recognizable vacation resorts in Panama City Beach. Completely redecorated by a professional interior designer in 2026, this turnkey condo features fresh paint, all-new furniture, rugs, artwork, décor, lighting fixtures, and ceiling fans throughout. The fully equipped kitchen includes granite countertops and brand-new stainless steel appliances, while the open living area connects directly to the oversized balcony. One of the standout features of Unit 820 is the spacious 32-foot balcony, furnished with high-top Polywood furniture and positioned for exceptional Gulf, beach, and pool views. This outdoor space gives the condo the kind of front-row Panama City Beach experience that buyers often seek at Shores of Panama. The Gulf-front primary suite includes direct balcony access and beautiful water views. The guest bedroom and private bunk room add flexibility for owners and rental guests, while the stackable washer and dryer provide added convenience. Additional updates include a new HVAC system installed in 2024 and a water heater replaced in 2017. Unit 820 is being sold fully furnished and rental ready. A deeded parking space located on the same level as the condo, conveniently positioned near the elevator entrance, is a rare and highly desirable feature at Shores of Panama. Same-level parking adds meaningful convenience for owners and guests, especially in a large Gulf-front resort setting. Shores of Panama Resort is known for its expansive Gulf-front lagoon pool, one of the largest in Panama City Beach. The resort-style pool area features zero-entry access, palm-lined islands, fountains, a spacious hot tub, and direct private beachfront access. Additional amenities include an indoor heated pool and hot tub, 24-hour fitness center, and seasonal poolside Tiki bar. Located in the heart of Panama City Beach, Shores of Panama places dining, shopping, and entertainment nearby. Pineapple Willy’s is adjacent to the resort, and Laketown Wharf directly across the street offers several dining, retail, and entertainment options, including Wharf Seafood Buffet, The Candymaker Ice Cream Shop, PCB Pizza, In Cahoots, The Press, The Bun Lab, 810 Billiards & Bowling, salon services, and more. Panama City Beach has also welcomed several newer attractions and entertainment venues, including Dolly Parton’s Pirates Voyage Dinner & Show, Topgolf, McGuire’s Irish Pub, and Tootsie’s Orchid Lounge. HOA dues are $3,705.85 per quarter. All information is believed to be accurate but should be verified by buyers if important.

Listing Details MLS# 790943

Contract Info

List Price/SqFt: 421.96

Location

Area: 03 – Bay County – Beach
Street #: 9900
Street Direction: S
Street Name: Thomas
Street Suffix: Drive
Unit #: 820
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: 40000-675-092
Elementary School: Breakfast Point
Middle School: Breakfast Point
High School: Arnold
Directions: Shores of Panama is located next to Pineapple Willy's across from Laketown Wharf, at the intersection of Front Beach Road and Thomas Dr.
Legal Description: SHORES OF PANAMA II UNIT 820 TYPE L ORB 3259 P 1116 2BR 2.5BA ORB 4162 P 1985 1102 TOTAL SF WITH PARKING SPOT 820

General Property Info

Sub-Type: Condominium
Floor Number: 8
Design: High-Rise (8+ floors)
Apx SqFt(Htd/Cooled): 1102
SqFt Source: Prop App Site
Full Baths: 2
Half Baths: Yes
Total Baths: 3
# of Stories in Building: 23
# of Units in Bldg: 709
Year Built: 2007
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: Yes
Assigned Spaces: Yes
Lot Dimensions: CONDO
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

Homestead: No
HOA Fee: Yes
HOA Amount: 3705.85
HOA Frequency: Quarterly
HOA Annual Amount: 14823.4
New Buyer Fee: No
Last Taxes: 4727
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Condo Doc: Yes

Remarks & Misc

Remarks: DIRECT GULF VIEWS. SAME-LEVEL DEEDED PARKING. TURNKEY 2026 DESIGNER UPDATE. Shores of Panama Unit 820 is a beautifully updated Type L floor plan positioned in the highly desired 20 stack at Shores of Panama in Panama City Beach, Florida. Located on the 8th floor, this 2-bedroom, 2.5-bath condo also includes a private bunk room, creating three separate sleeping areas with accommodations for up to 8 guests. This desirable elevation sits above the palm trees while maintaining a strong connection to the beach, Gulf, and resort pool below. The 20 stack faces directly south, offering straight-on Gulf views and a front-row perspective over the expansive lagoon-style pool that has made Shores of Panama one of the most recognizable vacation resorts in Panama City Beach. Completely redecorated by a professional interior designer in 2026, this turnkey condo features fresh paint, all-new furniture, rugs, artwork, décor, lighting fixtures, and ceiling fans throughout. The fully equipped kitchen includes granite countertops and brand-new stainless steel appliances, while the open living area connects directly to the oversized balcony. One of the standout features of Unit 820 is the spacious 32-foot balcony, furnished with high-top Polywood furniture and positioned for exceptional Gulf, beach, and pool views. This outdoor space gives the condo the kind of front-row Panama City Beach experience that buyers often seek at Shores of Panama. The Gulf-front primary suite includes direct balcony access and beautiful water views. The guest bedroom and private bunk room add flexibility for owners and rental guests, while the stackable washer and dryer provide added convenience. Additional updates include a new HVAC system installed in 2024 and a water heater replaced in 2017. Unit 820 is being sold fully furnished and rental ready. A deeded parking space located on the same level as the condo, conveniently positioned near the elevator entrance, is a rare and highly desirable feature at Shores of Panama. Same-level parking adds meaningful convenience for owners and guests, especially in a large Gulf-front resort setting. Shores of Panama Resort is known for its expansive Gulf-front lagoon pool, one of the largest in Panama City Beach. The resort-style pool area features zero-entry access, palm-lined islands, fountains, a spacious hot tub, and direct private beachfront access. Additional amenities include an indoor heated pool and hot tub, 24-hour fitness center, and seasonal poolside Tiki bar. Located in the heart of Panama City Beach, Shores of Panama places dining, shopping, and entertainment nearby. Pineapple Willy's is adjacent to the resort, and Laketown Wharf directly across the street offers several dining, retail, and entertainment options, including Wharf Seafood Buffet, The Candymaker Ice Cream Shop, PCB Pizza, In Cahoots, The Press, The Bun Lab, 810 Billiards & Bowling, salon services, and more. Panama City Beach has also welcomed several newer attractions and entertainment venues, including Dolly Parton's Pirates Voyage Dinner & Show, Topgolf, McGuire's Irish Pub, and Tootsie's Orchid Lounge. HOA dues are $3,705.85 per quarter. All information is believed to be accurate but should be verified by buyers if important.

Balcony

First: Yes

More Information

Bunk Room

First: Yes

Master Bathroom

First: Yes

Pool Features

Heated – Electric: Yes
Inground: Yes
Indoor: Yes

Appliances

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 – Vinyl Plank: Yes
Window – Treatment All: Yes

Exterior

Balcony: Yes

Association Fees Include

Accounting: Yes
BBQ Pit/Grill: Yes
Beach: Yes
Exercise Room: Yes
Ground Keeping: Yes
Insurance: Yes
Internet-WiFi: Yes
Master Association: Yes
Pool: Yes
Sewer: Yes
TV Cable: Yes
Water: Yes

Financing

Cash: Yes
Conventional: Yes
Seller Financing: Yes
Other: Yes

Furnished

Furnished: Yes

Interior

Bunk Room: Yes
Smart Thermostat: Yes

Kitchen

First: Yes

Living Room

First: Yes

Parking Features

Deeded: Yes

Mstr Bath / Mstr Bdrm

MBed Waterfront: Yes
MBath Shower/Tub Combo: Yes

Present Zoning

Resid Multi-Family: Yes

Association Amenities

BBQ Pit/Grill: Yes
Beach: Yes
Business Center: Yes
Community Room: Yes
Elevators: Yes
Exercise Room: Yes
Picnic Area: Yes
Playground: Yes
Pool: Yes
Retail Shops: Yes
Waterfront: Yes
Other – See Remarks: Yes

Rooms

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

Showing

ShowingTime: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Garbage: Yes
Internet – Broadband Available: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes
Other – See Remarks: Yes

Waterview

Gulf: Yes

Full Bathroom

First: Yes

Half Bathroom

First: Yes

Waterfront Type

Gulf: Yes

Master Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes

Security Features

24 Hour Security: Yes
Fire Sprinkler System: Yes
Security Gate: Yes
Security Guard: Yes

Property Features

Appliances: Dishwasher; Disposal; Microwave; Oven – Electric; Range – Electric; Refrigerator; Washer/Dryer Stacked; Water Heater – Electric Full Bathroom: First Half Bathroom: First Master 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; Master Association; Pool; Sewer; Water Financing: Cash; Conventional; Seller Financing; Other Furnished: Furnished Interior: Bunk Room; Smart Thermostat Kitchen: First Living Room: First Balcony: First Bunk Room: First Master Bathroom: First Pool Features: Heated – Electric; Inground; Indoor Security Features: 24 Hour Security; Fire Sprinkler System; Security Gate; Security Guard Parking Features: Deeded Association Amenities: BBQ Pit/Grill; Beach; Business Center; Community Room; Elevators; Exercise Room; Picnic Area; Playground; Pool; Retail Shops; Waterfront; Other – See Remarks Rooms: Balcony; Bedroom; Bunk Room; Full Bathroom; Half Bathroom; Kitchen; Living Room; Master Bathroom; Master Bedroom Showing: ShowingTime Utilities: TV Cable; Electricity – Connected; Garbage; Internet – Broadband Available; Public Sewer – Connected; Public Water – Connected; Other – See Remarks Waterfront Type: Gulf Waterview: Gulf Present Zoning: Resid Multi-Family

Room Information

Room Name	Level	Dimensions	Length	Width
Balcony	First	32.6 x 6.6	32.60	6.60
Master Bedroom	First	15.1 x 11.4	15.10	11.40
Master Bathroom	First	9.5 x 8.11	9.50	8.11
Bedroom	First	15.1 x 10.2	15.10	10.20
Full Bathroom	First	5.6 x 7.7	5.60	7.70
Living Room	First	16.3 x 13.9	16.30	13.90
Kitchen	First	12.5 x 9.1	12.50	9.10
Bunk Room	First	12 x 7.3	12.00	7.30
Half Bathroom	First	3.11 x 7.11	3.11	7.11

Listing Office: Coldwell Banker Realty

Last Updated: June – 07 – 2026

Information deemed reliable but not guaranteed.