8715 Surf Dr Unit 1702B, Panama City Beach, FL, 32401
About This Home
Live the coastal dream in this beautifully updated 17th-floor Gulf-front condo at the highly desirable Gulf Crest Condominiums. This spacious 2-bedroom, 2-bath residence with bonus bunks offers a split, open floor plan designed to maximize comfort, privacy, and breathtaking Gulf views. Luxury vinyl plank and tile flooring flow throughout the unit, creating a clean, modern coastal feel. The updated kitchen features quartz countertops, modern finishes, and opens seamlessly to the living and dining areas—perfect for entertaining while enjoying wide-open views of the emerald waters and sugar-white sands. Floor-to-ceiling glass leads to an expansive beachfront balcony, ideal for morning coffee, sunset cocktails, or simply relaxing to the sound of the waves. Thoughtfully refreshed with coastal décor and updated finishes, this condo offers both style and functionality. Whether you're searching for a full-time residence, a second home, or a strong vacation rental investment, this unit delivers on location, layout, and upgrades. Residents and guests of Gulf Crest enjoy resort-style amenities including two beachfront pools, hot tubs, a tiki bar, fitness center, and direct beach access, all conveniently located in the heart of Panama City Beach.
Getting Around
Car-Dependent
Very Limited 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: 30473404000
- Attached to another structure: Yes
Features
- Pool features: Community
- 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 | $3,236 | $38,832 |
| Home Insurance * | $435 | $5,220 |
| Property Taxes | $749 | $8,988 |
| Electricity | $197 | $2,366 |
| Total | $4,617 | $55,404 |
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 |
|---|---|---|
| 2026-02-03 | Listed for sale | $640,000 |
| 2004-05-12 | Sold | $372,000 |
View on Zillow