See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

6205 Thomas Dr Unit F2, Panama City, FL, 32408

1beds
1baths
626sqft
$264,000
$422price/sqft
$2,023/moest. monthly cost
$80,920/yrincome needed

About This Home

LOWEST PRICED LISTING IN NAUTICAL WATCH! PRICED TO SELL! Welcome to your Gulf of Mexico escape at Nautical Watch Condo Unit F2 in Panama City Beach. This beautifully updated 1-bedroom, 1-bathroom ground-floor unit blends comfort, style, and convenience--making it perfect as a second home or a high-performing investment rental. Fully furnished and decorated with a charming beach theme, the condo features an inviting open floor plan that feels spacious throughout its 626 square feet. The updated kitchen is a standout, showcasing modern cabinetry, stunning countertops, and a coordinating backsplash. The bathroom has also been tastefully renovated, adding to the unit's overall appeal. Located in the highly desirable low-rise Nautical Watch Gulf Villas, this unit offers easy access and a relaxed, townhome-style layout an appealing alternative to crowded high-rise living. Step outside and enjoy the beautifully landscaped pool area, complete with outdoor grills, sun loungers, and shaded picnic tables perfect for relaxing or entertaining. The community is ideal for families, offering a peaceful retreat while still being close to everything. Situated on the east end of Panama City Beach, you're just minutes from St. Andrews State Park, Panama City Dive Center, and the famous Capt. Anderson's restaurant. Whether you're looking for adventure or relaxation, this location puts it all within reach. Don't miss this opportunity to own your piece of paradise. Schedule your showing today and start living the beach life!

Getting Around

35
WalkingCar-Dependent
20
TransitMinimal Transit
47
BikeSomewhat Bikeable

Schools

8/10
7/10
Surfside Middle SchoolGrades 6-86.6 mi
4/10
J.R. Arnold High SchoolGrades 9-125.0 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 1984

Materials

  • Foundation: Foundation Off Grade
  • Construction materials: Concrete,Stucco,Trim Vinyl

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Washer,Electric Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: First
  • Area: 144
  • Dimensions: 12 x 12

Features

  • Hallway Bunk Beds,Kitchen Island,Pantry
  • Flooring: Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 626
  • Total interior livable area: 626 sqft

Master Bathroom

  • Level: First
  • Area: 35
  • Dimensions: 7 x 5

Master Bedroom

  • Level: First
  • Area: 110
  • Dimensions: 11 x 10

Property

Details

  • Parcel number: 30585973000

Features

  • Pool features: Heated,In Ground
  • Patio & porch: Patio
  • Exterior features: Outdoor Grill
  • Has view: Yes
  • View description: Gulf
  • Has water view: Yes
  • Water view: Gulf
  • Waterfront features: Gulf,Shore - Beach,Shore - Natural

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Cold Wave
Tornado
Tsunami

FEMA Declared Disasters in Bay County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,334$16,008
Home Insurance *$363$4,356
Property Taxes $129$1,548
Electricity $197$2,366
Total$2,023$24,276
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$69,360/yr
40% on housing$60,690/yr
45% on housing$53,946/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.3%
13.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$422This listing

vs Other Active Listings

Avg $/sqft

ZIP 32408$234
Bay County$242

vs Homes Sold Last Month

Median $/sqft

ZIP 32408$299
Bay County$205

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-07Listed for sale$264,000
2025-03-31Listing removed$265,000
2025-02-19Price change$265,000
2024-11-22Listed for sale$268,900
2024-11-06Contingent$268,900
2024-11-06Pending sale$268,900
2024-10-25Listed for sale$268,900
2024-10-22Pending sale$268,900
2024-09-21Listed for sale$268,900
2024-09-09Listing removed$269,500
2024-07-13Price change$269,500
2024-06-02Price change$275,000
2024-03-20Listed for sale$280,000
2016-07-21Sold$106,000

For Sale by Agent

AgentMike Herring
BrokerageKeller Williams Realty SRB

Similar Homes