8715 Surf Dr #1606, Panama City, FL, 32401
About This Home
Live the coastal dream in this beautifully updated 2-bedroom, 2-bathroom Gulf-front condo with bonus bunks, located on the 16th floor of the sought-after Gulf Crest Condominiums. This spacious unit features an open-concept layout, wide-open views of the Gulf, and an expansive beachfront balcony—perfect for morning coffee, sunset cocktails, or simply soaking in the sounds of the surf. Thoughtfully upgraded throughout, the condo includes new appliances, a new A/C, and a new hot water heater for enhanced comfort and efficiency. Both bedrooms feature new plank style tile flooring along with new mattresses and comforter sets. A new dining table and chairs complement the bright and airy space, while updated light fixtures in the kitchen and bathrooms add a modern touch. Freshly painted and decorated with coastal charm, the unit also includes new balcony furniture to enjoy the panoramic Gulf views. Whether you're looking for a primary residence, a second home, or an excellent vacation rental opportunity, this condo checks every box. Gulf Crest offers resort-style amenities including two beachfront pools, hot tubs, a tiki bar, fitness center, and direct beach access—all in the heart of Panama City Beach.
Getting Around
Car-Dependent
Minimal Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2004
Type & Style
- Home type: Condo
- Architectural style: High Rise
- Property subType: Condominium
Interior
Bedroom
- Dimensions: 14 x 11
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Great Room
- Dimensions: 27 x 16
Interior Area
- Total structure area: 1,310
- Total interior livable area: 1,310 sqft
Kitchen
- Dimensions: 14 x 8
Master Bathroom
- Dimensions: 14 x 8
Master Bedroom
- Dimensions: 16 x 12
Other
- Dimensions: 10 x 5
Other
- Features: Balcony
- Dimensions: 39 x 8
Property
Details
- Parcel number: 30473401000
- Attached to another structure: Yes
Features
- Private pool: Yes
- Pool features: Private
- Patio & porch: Balcony
- On waterfront: Yes
- Waterfront features: Gulf
Lot
- Lot size dimensions: 0 x 0
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 | $3,331 | $39,972 |
| Home Insurance * | $447 | $5,364 |
| Property Taxes | $323 | $3,876 |
| Electricity | $197 | $2,366 |
| Total | $4,298 | $51,576 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2025-04-15 | Listed for sale | $658,900 |
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