$650,000
9900 S Thomas Drive 2231
Panama City Beach, FL 32408
MLS# 784392
3 beds  |  3 baths  |  1400 sqft


Living Room Views
  1 / 61  
Living Room Views Dining & Living Room Living Room Kitchen Dining Area Kitchen Gulf Views Living Room Living Room Entry & Laundry Main Bedroom Main Bedroom Main Bathroom Bedroom 1 Bedroom 1 Bathroom 1 Bedroom 2 Bedroom 2 Bathroom 2 Gulf/Beach Views Laundry & Hall Balcony Views Balcony Views Balcony Beach Views Balcony Beach Views Balcony Beach Views Balcony Beach Views Beach Views Shores of Panama Shores of Panama Shores of Panama Shores of Panama Shores of Panama Shores of Panama Indoor Pool Spa 2 Shores Pool Deck 1 Shores Pool Deck 3 Shores Pool Deck 6 Shores Pool Deck 7 Shores Pool Deck 9 Shores Pool Deck 10 Slider SOP Fitness 1 1-Shores-Of-Panama-Aerials-23-2 SOP Fitness 2 SOP Fitness 3 SOP Fitness 4 SOP Lobby A SOP Lobby B SOP Lobby C SOP Lobby D SOP NEW EXPK 1 SOP NEW EXPK 2 SOP NEW EXPK 3 SOP NEW EXPK 4 SOP NEW EXPK 5 SOP NEW EXPK 6 SOP NEW EXPK 7 SOP NEW EXPK 8 SOP NEW EXPK 9 SOP NEW EXPK 11 SOP NEW EXPK 12

Property Description
Spacious 3BR/3BA gulf front wrap around condo at Shores of Panama, one of Panama City Beach's most popular Gulf-front resorts. Unit 2231 features an open-concept living and dining area, a functional kitchen with ample cabinetry, and generously sized bedrooms with three full bathrooms—ideal for full-time living, a second home, or investment use. Enjoy resort-style amenities including a lagoon-style pool, indoor heated pool, hot tub, fitness center, on-site bar & grill, and covered parking. Centrally located in the heart of PCB, just minutes from dining, shopping, and entertainment. This condo comes with its own deeded storage unit (very large) outside the condo with electricity and refrigerator. Also comes with it's own very valuable parking spot on floor 2.

Details
Maps
Listing Info, Tax and Legal
HOA Fee: Yes
HOA Amount: 4707.98
HOA Frequency: Quarterly
HOA Annual Amount: 18831.92
New Buyer Fee: No
Last Taxes: 6249
Last Tax Year: 2025
Brokerage Interest: No Interest
Condo Doc: Yes
Contract Info
List Price/SqFt: 464.29
Status: Active
List Date: 2026-01-29
List Price: $650,000
Current Price: $650,000
Location
Unit #: 2231
Sub Area: 0318 - Beach - Central South
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Elementary School: Breakfast Point
Middle School: Breakfast Point
High School: Arnold
Directions: From US Hwy 98 head toward the intersection of Front Beach Road and Thomas Drive. Shores of Panama is located next to Pineapple Willy's right across the street from Laketown Wharf.
Area: 03 - Bay County - Beach
Street #: 9900
Street Direction: S
Street Name: Thomas
Street Suffix: Drive
State: FL
Zip Code: 32408
County: Bay
Subdivision: Shores Of Panama
Parcel ID: 40000-675-285
Legal Description: SHORES OF PANAMA II UNIT 2231 TYPE U ORB 2835 P 434 3BR 3BA ORB 4165 P 489 1400 TOTAL SF ORB 4165 P 508 PARKING SPACE 215
General Property Info
Floor Number: 22
Design: High-Rise (8+ floors)
Apx SqFt(Htd/Cooled): 1400
Construction Status: Construction Complete
SqFt Source: Prop App Site
# of Stories in Building: 23
Lot Dimensions: 0x0
New Construction: No
Garage Y/N: No
Pool: Yes
Pool Type: Community
Sub-Type: Condominium
Bedrooms: 3
Full Baths: 3
Total Baths: 3
Year Built: 2007
Remarks & Misc
Remarks: Spacious 3BR/3BA gulf front wrap around condo at Shores of Panama, one of Panama City Beach's most popular Gulf-front resorts. Unit 2231 features an open-concept living and dining area, a functional kitchen with ample cabinetry, and generously sized bedrooms with three full bathrooms—ideal for full-time living, a second home, or investment use. Enjoy resort-style amenities including a lagoon-style pool, indoor heated pool, hot tub, fitness center, on-site bar & grill, and covered parking. Centrally located in the heart of PCB, just minutes from dining, shopping, and entertainment. This condo comes with its own deeded storage unit (very large) outside the condo with electricity and refrigerator. Also comes with it's own very valuable parking spot on floor 2.
Pool Features
Inground: 1
Appliances
Dishwasher: 1
Ice Maker: 1
Microwave: 1
Range - Electric: 1
Refrigerator: 1
Washer/Dryer Stacked: 1
Water Heater - Electric: 1
Interior Features
Elevator: 1
Exterior
Balcony: 1
Association Fees Include
Accounting: 1
BBQ Pit/Grill: 1
Beach: 1
Exercise Room: 1
Gated Community: 1
Ground Keeping: 1
Internet Service: 1
Master Association: 1
Picnic Area: 1
Playground: 1
Pool: 1
Recreational Faclty: 1
Repairs/Maintenance: 1
Security: 1
Sewer: 1
Furnished
Furnished: 1
Lot Features
Covenants & Rescrictions: 1
Lot Access
City Street: 1
Gated Access: 1
Paved Road: 1
Parking Features
Assigned: 1
Mstr Bath / Mstr Bdrm
MBed Balcony: 1
MBath Shower/Tub Combo: 1
Present Zoning
Resort: 1
Association Amenities
BBQ Pit/Grill: 1
Beach: 1
Community Room: 1
Elevators: 1
Exercise Room: 1
Gated Community: 1
Picnic Area: 1
Playground: 1
Pool: 1
Security-24 hour: 1
Whirlpool: 1
Sidewalks: 1
Rooms
Bedroom: 1
Utilities
TV Cable: 1
Electricity - Connected: 1
Garbage: 1
Public Sewer - Connected: 1
Public Water - Connected: 1
Waterview
Gulf: 1
Sale Type
As Is: 1
Waterfront Type
Gulf: 1
Bedroom
First: 1
Cooling
Ceiling Fan(s): 1
Central Air: 1
Electric: 1
Heating
Central: 1
Electric: 1
Security Features
24 Hour Security: 1
Property Features
Appliances: Dishwasher; Ice Maker; Microwave; Range - Electric; Refrigerator; Washer/Dryer Stacked; Water Heater - Electric
Bedroom: First
Cooling: Ceiling Fan(s); Central Air; Electric
Heating: Central; Electric
Exterior: Balcony
Association Fees Include: Accounting; BBQ Pit/Grill; Beach; Exercise Room; Gated Community; Internet Service; Ground Keeping; Repairs/Maintenance; Master Association; Picnic Area; Playground; Pool; Recreational Faclty; Security; Sewer
Furnished: Furnished
Lot Features: Covenants & Rescrictions
Lot Access: City Street; Gated Access; Paved Road
Pool Features: Inground
Security Features: 24 Hour Security
Parking Features: Assigned
Association Amenities: BBQ Pit/Grill; Beach; Community Room; Elevators; Exercise Room; Gated Community; Picnic Area; Playground; Pool; Security-24 hour; Sidewalks; Whirlpool
Rooms: Bedroom
Sale Type: As Is
Utilities: TV Cable; Electricity - Connected; Garbage; Public Sewer - Connected; Public Water - Connected
Waterfront Type: Gulf
Waterview: Gulf
Present Zoning: Resort
Room Information
Room Name Level Dimensions Length Width Dimensions
BedroomFirst0 x 00.000.000 x 0
BedroomFirst0 x 00.000.000 x 0
BedroomFirst0 x 00.000.000 x 0

Listing Office: Emerald Coast Real Estate & Vacations LLC

Last Updated: January - 29 - 2026

Information deemed reliable but not guaranteed.