8817 S Thomas Dr #A213, Panama City, FL, 32408
About This Home
Newly remodeled and decorated Condo with stunning Ocean views, and beautiful finishing touches ads to the luxury feel of this stunning beachfront studio condo, which sleeps 4 comfortably. Located in a low-density, friendly complex, this unit offers a peaceful and relaxing atmosphere with low HOA which is becoming harder to find. Steps away for the sugar sand beach and Emerald Coast Waters. Conveniently located near Restaurants, shopping and or Golfing. This Unit has been used primarily by its owners keeping it looking fresh as the first day. Top of The Gulf Features: Beachfront with an affordable HOA Sparkling Pool, Snack Shack, Game Room & more... Centrally located near golf, shopping & local Restaurants including Tootsie's Orchid Lounge opening soon next door.
Getting Around
Car-Dependent
Minimal Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1976
Type & Style
- Home type: Condo
- Architectural style: Low Rise
- Property subType: Condominium
Interior
Appliances
- Appliances included: Electric Cooktop,Electric Range,Electric Water Heater
Bedrooms & Bathrooms
- Bathrooms: 1
- Full bathrooms: 1
Interior Area
- Total structure area: 489
- Total interior livable area: 489 sqft
Other
- Level: First
- Dimensions: 0 x 0
Property
Details
- Parcel number: 34994138000
Features
- Pool features: Community
- On waterfront: Yes
- Waterfront features: Gulf
Lot
- Lot size dimensions: 00
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
- Coastal Flooding
- Lightning
- Tornado
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Bay County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,390 | $16,680 |
| Home Insurance * | $378 | $4,536 |
| Property Taxes | $135 | $1,620 |
| Electricity | $197 | $2,366 |
| Total | $2,100 | $25,200 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-17 | Listed for sale | $275,000 |
| 2025-05-05 | Listing removed | $299,500 |
| 2023-11-18 | Listed for sale | $299,500 |
| 2023-11-01 | Listing removed | -- |
| 2023-07-25 | Listed for sale | $299,500 |
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