$4,500,000
Panama City Beach, FL 32408
MLS# 774047
7 beds | 9 baths | 4715 sqft
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Property Description
7 bedroom, 8.5 bath Gulf-front beach house in Panama City Beach with a heated private pool, parking for up to 9 vehicles, and no HOA restrictions. Built in 2025 and offered fully furnished, the home combines direct beachfront living, large gathering spaces, and high-end finishes for buyers seeking a luxury second home, private retreat, or income-producing property. The property has more than $200,000 already booked for 2026 and is projected to generate up to $400,000 annually. The main living area features an approximately 30 x 30 open layout designed for large groups, with Gulf views from nearly every angle. The chef's kitchen is centered around a 10 x 5 island with granite slabs imported from Brazil, dual refrigerators, wraparound seating, and a 75-inch wall-mounted TV. The home also includes 12 smart TVs, a 412-game arcade console, and a third-floor entertainment lounge with space for movie nights, games, a pool table, or air hockey. The primary suite includes 16-foot ceilings, chapel windows overlooking the Gulf, and a private lounge area with a coffee and wine bar. Freshly styled with more than $150,000 in designer furnishings, accessories, and custom window treatments, the home delivers a turnkey Gulf-front experience. Hurricane-impact windows, a 10-foot sliding glass door, and triple-pane Therma-Tru doors are designed to capture the views while adding protection from coastal weather. A commercial-grade fire suppression system with 24-hour monitoring adds another layer of safety throughout the home and outdoor spaces. Outdoor living is a major feature, with an approximately 30 x 25 beachfront deck overlooking a heated 12 x 23 Gulf-front pool with an 8 x 6 sun shelf and two heaters. A powder-coated aluminum safety fence helps secure the pool area without blocking the Gulf view, and reinforced balcony railings provide added peace of mind. The lot extends all the way to the wet sand, creating a rare stretch of usable beachfront directly behind the home. There is also room for jet skis and other beach gear. Seller states this is the first beachfront home on Panama City Beach built on 12 x 12 concrete pilings driven 20 feet deep rather than traditional wood pilings. The exterior also features Hardie Board siding secured with stainless screws and a rust-resistant aluminum roof designed to last 30 years or more. Located minutes from Pier Park and near the soon-to-open Tootsies, Top Golf, and Dolly Parton's Pirates Voyage. Buyer to verify all dimensions, bookings, income projections, and future development timelines.
Details
Maps
Listing Info, Tax and Legal
Homestead: No
HOA Fee: No
Is Subject Leased: No
New Buyer Fee: No
New Buyer Fee Amt: 0
New Buyer Fee Paid: $
Last Taxes: 14820
Last Tax Year: 2024
Brokerage Interest: No Interest
As Is: No
Condo Doc: No
Contract Info
List Price/SqFt: 954.4
Status: Active
List Date: 2025-05-27
List Price: $4,500,000
Current Price: $4,500,000
Location
Sub Area: 0323 - Beach - South of Grand Lagoon
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Elementary School: Breakfast Point
Middle School: Breakfast Point
High School: Arnold
Directions: Heading east on Thomas Drive, turn right onto Joan Avenue, then take another right onto Surf Drive. The home is located next to Gulf Crest Condominiums, right on the gulf. It's also located less than half a mile near the old Spinnaker building, now home to new Tootsies.
Area: 03 - Bay County - Beach
Street #: 8711
Street Name: Surf
Street Suffix: Drive
State: FL
Zip Code: 32408
County: Bay
Subdivision: No Named Subdivision
Parcel ID: 30195-000-000
Legal Description: See docs tab for full details.
6 4S 15W -8- 58B3 COM AT THE NW COR OF NE1/4 OF SW1/4 TH RUN S 1023.35' TH S54 DEG E 194.42' FOR POB TH RUN N35 DEG E 131.92' TO THE SLY R/W LINE OF SURF DR TH RUN S51 DEG E ALONG SAID R/W LINE 35.95' TH S52 DEG E 14.05' TH S35 DEG W 5' N51 DEG W 14.05' S35 DEG W 328.65' TO THE MEAN HIGH WATER LINE TH RUN N59 DEG W ALONG SAID MHWL 36.23' TH RUN N35
General Property Info
Acreage: 0.28
Design: Beach House
Lot Size (SqFt): 12197
Apx SqFt(Htd/Cooled): 4715
Immediate Occupancy: No
Construction Status: Construction Complete
SqFt Source: Builders Plans
Half Baths: 1
# of Stories in Building: 4
Pre-Const Flip: No
Lot Dimensions: Irregular
New Construction: Yes
Garage Y/N: No
Beach Frontage: 36
Driveway Spaces: 9
Pool: Yes
Pool Type: Private
Sub-Type: Detached Single Family
Bedrooms: 7
Full Baths: 8
Total Baths: 9
Year Built: 2025
Remarks & Misc
Remarks: 7 bedroom, 8.5 bath Gulf-front beach house in Panama City Beach with a heated private pool, parking for up to 9 vehicles, and no HOA restrictions. Built in 2025 and offered fully furnished, the home combines direct beachfront living, large gathering spaces, and high-end finishes for buyers seeking a luxury second home, private retreat, or income-producing property. The property has more than $200,000 already booked for 2026 and is projected to generate up to $400,000 annually.
The main living area features an approximately 30 x 30 open layout designed for large groups, with Gulf views from nearly every angle. The chef's kitchen is centered around a 10 x 5 island with granite slabs imported from Brazil, dual refrigerators, wraparound seating, and a 75-inch wall-mounted TV. The home also includes 12 smart TVs, a 412-game arcade console, and a third-floor entertainment lounge with space for movie nights, games, a pool table, or air hockey. The primary suite includes 16-foot ceilings, chapel windows overlooking the Gulf, and a private lounge area with a coffee and wine bar.
Freshly styled with more than $150,000 in designer furnishings, accessories, and custom window treatments, the home delivers a turnkey Gulf-front experience. Hurricane-impact windows, a 10-foot sliding glass door, and triple-pane Therma-Tru doors are designed to capture the views while adding protection from coastal weather. A commercial-grade fire suppression system with 24-hour monitoring adds another layer of safety throughout the home and outdoor spaces.
Outdoor living is a major feature, with an approximately 30 x 25 beachfront deck overlooking a heated 12 x 23 Gulf-front pool with an 8 x 6 sun shelf and two heaters. A powder-coated aluminum safety fence helps secure the pool area without blocking the Gulf view, and reinforced balcony railings provide added peace of mind. The lot extends all the way to the wet sand, creating a rare stretch of usable beachfront directly behind the home. There is also room for jet skis and other beach gear.
Seller states this is the first beachfront home on Panama City Beach built on 12 x 12 concrete pilings driven 20 feet deep rather than traditional wood pilings. The exterior also features Hardie Board siding secured with stainless screws and a rust-resistant aluminum roof designed to last 30 years or more. Located minutes from Pier Park and near the soon-to-open Tootsies, Top Golf, and Dolly Parton's Pirates Voyage. Buyer to verify all dimensions, bookings, income projections, and future development timelines.
Bonus Room
First: 1
Den
Second: 1
Third: 1
Pool Features
Gunite Concrete: 1
Inground: 1
Storage
First: 1
Appliances
Dishwasher: 1
Dryer: 1
ENERGY STAR Qualified Appliances: 1
Microwave: 1
Oven - Gas: 1
Range - Gas: 1
Range Hood: 1
Refrigerator: 1
Washer: 1
Water Heater - Gas: 1
Interior Features
Breakfast Bar: 1
Ceiling - Cathedral: 1
Ceiling - Crwn Molding: 1
Ceiling - Raised: 1
Floor - Tile: 1
Kitchen Island: 1
Lighting - Recessed: 1
Media Room: 1
Pantry: 1
Split Bedroom: 1
Window - Bay: 1
Window - Treatment All: 1
Construction/Siding
Concrete: 1
Foundation - On Piling: 1
Steel/Frame: 1
Roof - Metal: 1
Siding - Hardie Board: 1
Exterior
Balcony: 1
Columns: 1
Deck Covered: 1
Storm Doors: 1
Storm Windows: 1
Waterfront Feature
Waterfront Feet: 36
Financing
Cash: 1
Conventional: 1
Furnished
Furnished: 1
Interior
Bonus Room: 1
Bunk Room: 1
Kitchen
Second: 1
Lot Features
Coastal Construction Control Line: 1
Dead End: 1
Deeded Access Water: 1
Flood Insurance Req: 1
Survey Available: 1
Waterfront: 1
Lot Access
County Road: 1
Paved Road: 1
Parking Features
Driveway: 1
Mstr Bath / Mstr Bdrm
MBath Double Vanity: 1
MBath Separate Shwr: 1
MBed Balcony: 1
MBed Walk-in Closet: 1
MBed Waterfront: 1
Rooms
Bedroom: 1
Bonus Room: 1
Den: 1
Kitchen: 1
Storage: 1
Utilities
TV Cable: 1
Electricity - Connected: 1
Garbage: 1
Natural Gas - Connected: 1
Internet - Broadband Available: 1
Phone - Connected: 1
Public Sewer - Connected: 1
Public Water - Connected: 1
Waterfront Type
Gulf: 1
Bedroom
Second: 1
Third: 1
Fourth: 1
Cooling
Ceiling Fan(s): 1
Central Air: 1
Electric: 1
ENERGY STAR Qualified Equipment: 1
Multi Units: 1
Zoned: 1
Heating
Electric: 1
ENERGY STAR Qualified Equipment: 1
Security Features
Fire Sprinkler System: 1
Property Features
Appliances: Dishwasher; Dryer; ENERGY STAR Qualified Appliances; Microwave; Oven - Gas; Range - Gas; Range Hood; Refrigerator; Washer; Water Heater - Gas
Bedroom: Second; Third; Fourth
Cooling: Ceiling Fan(s); Central Air; Electric; ENERGY STAR Qualified Equipment; Multi Units; Zoned
Heating: Electric; ENERGY STAR Qualified Equipment
Exterior: Balcony; Columns; Deck Covered; Storm Doors; Storm Windows
Financing: Cash; Conventional
Furnished: Furnished
Interior: Bonus Room; Bunk Room
Kitchen: Second
Lot Features: Coastal Construction Control Line; Dead End; Deeded Access Water; Flood Insurance Req; Survey Available; Waterfront
Lot Access: County Road; Paved Road
Bonus Room: First
Den: Second; Third
Pool Features: Gunite Concrete; Inground
Security Features: Fire Sprinkler System
Storage: First
Parking Features: Driveway
Rooms: Bedroom; Bonus Room; Den; Kitchen; Storage
Utilities: TV Cable; Electricity - Connected; Garbage; Internet - Broadband Available; Natural Gas - Connected; Phone - Connected; Public Sewer - Connected; Public Water - Connected
Waterfront Type: Gulf
Room Information
| Room Name | Level | Dimensions | Length | Width |
| Bonus Room | First | 15 x 16 | 15.00 | 16.00 |
| Bedroom | Second | 11 x 12 | 11.00 | 12.00 |
| Bedroom | Second | 11 x 14 | 11.00 | 14.00 |
| Bedroom | Third | 12 x 14 | 12.00 | 14.00 |
| Bedroom | Third | 12 x 14 | 12.00 | 14.00 |
| Bedroom | Third | 12 x 15 | 12.00 | 15.00 |
| Bedroom | Fourth | 10 x 22 | 10.00 | 22.00 |
| Bedroom | Fourth | 17 x 29 | 17.00 | 29.00 |
| Kitchen | Second | 14 x 24 | 14.00 | 24.00 |
| Den | Second | 14 x 21 | 14.00 | 21.00 |
| Den | Third | |||
| Storage | First | 10 x 10 | 10.00 | 10.00 |
Listing Office: Compass Florida, LLC
Last Updated: April - 18 - 2026
Information deemed reliable but not guaranteed.
