8715 Surf Drive 1404, Panama City, FL 32408 (MLS# 784199)

Homestead: No

HOA Fee: Yes

HOA Amount: 2896.21

HOA Frequency: Quarterly

HOA Annual Amount: 11584.84

New Buyer Fee: No

New Buyer Fee Paid: $

Last Taxes: 7138

Last Tax Year: 2025

Brokerage Interest: No Interest

As Is: No

Condo Doc: Yes

List Price/SqFt: 469.39

Status: Active

List Date: 2026-01-26

List Price: $614,900

Current Price: $614,900

Unit #: 1404

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: Via US 98 E Take US-98 E/Back Beach Rd/Panama City Beach Pkwy -Turn right onto Moylan Rd. Turn left onto Front Beach Rd. Turn right onto Joan Ave. Turn right onto Surf Dr. Arrive at the Gulf Crest development.

Area: 03 - Bay County - Beach

Street #: 8715

Street Name: Surf

Street Suffix: Drive

State: FL

Zip Code: 32408

County: Bay

Subdivision: Gulf Crest Condo

Parcel ID: 30473-385-000

Legal Description: GULF CREST CONDO UNIT 1404 CP#B-1404 ORB 2420 P 1978 2BD/2BR TYPE B ORB 3480 P 2145 1310 H&C

Floor Number: 14

Design: High-Rise (8+ floors)

Apx SqFt(Htd/Cooled): 1310

Immediate Occupancy: Yes

Construction Status: Construction Complete

SqFt Source: Prop App Site

Lot Dimensions: 0x0

New Construction: No

Garage Y/N: Yes

Garage Spaces: 1

Pool: Yes

Pool Type: Community

Sub-Type: Condominium

Bedrooms: 2

Full Baths: 2

Total Baths: 2

Year Built: 2004

Remarks: Premier Gulf-Front Living at Gulf Crest! Unit 1404 offers the coastal escape buyers are searching for. This generously sized 2-bedroom, 2-bath residence with bunk area features a highly efficient layout and an ideal mid-stack position in the sought-after 23-story Gulfcrest tower. With 9-foot ceilings, an open-concept design, and expansive sliding glass doors, the condo is flooded with natural light and showcases sweeping Gulf and sunset views from the balcony, living area, dining space, kitchen, and primary suite—creating a seamless indoor-outdoor living experience. Designed with a relaxed coastal aesthetic in mind, the home lives like a beach house while offering all the conveniences of condominium ownership. Whether used as a second home, full-time residence, or vacation rental, this turnkey unit is move-in and rental ready. It conveys fully furnished with top quality furnishings, has cohesive décor throughout, and has been meticulously cared for. Durable hard-surface flooring throughout (premium LVP in living area and bedrooms) ensures easy upkeep and low maintenance. The well-appointed kitchen opens to the main living area and is fully equipped for everyday living or entertaining. Recent appliance upgrades include a Bosch dishwasher and Samsung refrigerator. Step outside to the spacious covered balcony—an ideal setting to enjoy Gulf breezes, sunsets, and evening gatherings. The Gulf-front primary suite enjoys direct balcony access and includes a private bath with walk-in shower, dual vanities, and a large walk-in closet. Additional features include a private deeded parking space, ample storage, multiple closets, and a full-size stackable washer and dryer. The flexible layout allows sleeping accommodations for up to eight guests. With strong rental appeal and excellent income potential, buyers also have the option to honor post-closing reservations. Gulfcrest HOA completed their Milestone report in 2025 and SIRS report in 2025. Reserve accounts are fully funded, there are no special assessment, and HOA dues on the development are some of the lowest on the beach. Gulf Crest amenities are also among the best on the beach and include an ample parking deck with the aforementioned assigned parking, two large Gulf-front pools, two hot tubs, a kiddie pool, poolside Tiki Bar & Grill, 294 feet of sugar-white beachfront with seasonal beach service, a Gulf-front fitness center, owner's lounge, billiards room, and three high-speed elevators. Private showings available—schedule yours today.

First: 1

First: 1

Heated - Electric: 1

Inground: 1

Dishwasher: 1

Disposal: 1

Dryer: 1

Range - Electric: 1

Range Hood: 1

Refrigerator: 1

Washer: 1

Water Heater - Electric: 1

Breakfast Bar: 1

Ceiling - Crwn Molding: 1

Floor - Tile: 1

Floor - Vinyl Plank: 1

Lighting - Recessed: 1

Pantry: 1

Split Bedroom: 1

Window - Treatment All: 1

Concrete: 1

Foundation - On Piling: 1

Siding - Stucco: 1

Balcony: 1

Accounting: 1

Advertising: 1

Ground Keeping: 1

Insurance: 1

Management: 1

Pest Control: 1

Sewer: 1

Trash Disposal: 1

TV Cable: 1

Water: 1

Cash: 1

Conventional: 1

Furnished: 1

First: 1

Waterfront: 1

Within 1/2 Mile to Water: 1

City Street: 1

Gated Access: 1

Paved Road: 1

Assigned: 1

Deeded: 1

MBath Double Vanity: 1

MBath Walk-In Closet: 1

MBed Balcony: 1

MBed Walk-in Closet: 1

MBed Waterfront: 1

MBath Shower/Tub Combo: 1

Resid Multi-Family: 1

BBQ Pit/Grill: 1

Community Room: 1

Dumpster: 1

Elevators: 1

Exercise Room: 1

Gated Community: 1

Pavilion/Gazebo: 1

Whirlpool: 1

Bedroom: 1

Full Bathroom: 1

Great Room: 1

Kitchen: 1

Master Bathroom: 1

Master Bedroom: 1

TV Cable: 1

Electricity - Connected: 1

Phone - Connected: 1

Public Sewer - Connected: 1

Gulf: 1

First: 1

Gulf: 1

First: 1

First: 1

Ceiling Fan(s): 1

Central Air: 1

Electric: 1

Central: 1

Electric: 1

Fire Alarm: 1

Smoke Detector(s): 1