9860 S Thomas Dr Unit 2116, Panama City Beach, FL, 32408
About This Home
Here's what makes this worth it: Enjoy soaring 9- to 10-foot ceilings and expanded living space--larger than many 2-bedroom units--in this turnkey 1-bedroom, 2-bathroom retreat with a dedicated bunk nook. The private balcony delivers inspiring views of the Gulf and feel of luxury and privacy! The unit is fully furnished, making it an effortless high-performance rental investment or second home. Laketown Wharf is PCB's premier destination with an unmatched amenity package: Five Unique Pools, including a rooftop pool and a Gulf-view zero-entry pool. Direct, gated beach access. Famous nightly fountain show. On-site dining/buffet, bars, fitness center, and covered parking. With the monthly HOA covering Cable TV, WiFi, Insurance, Security, and all resort amenities, this is a hassle-free asset in a prime location. Don't miss this top-floor gem!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2008
Type & Style
- Home type: Condo
- Architectural style: High Rise
- Property subType: Condominium
Interior
Appliances
- Appliances included: Washer/Dryer Stacked,Electric Cooktop,Electric Range,Electric Water Heater
- Laundry features: Stacked
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 2
- Full bathrooms: 2
Features
- Main Level Primary,See Remarks
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 1,047
- Total interior livable area: 1,047 sqft
Master Bedroom
- Level: First
- Dimensions: 13 x 11
Property
Details
- Parcel number: 40001000745
- Attached to another structure: Yes
- Special condition: Listed As-Is
Features
- Pool features: Community
- Patio & porch: Balcony
Lot
- Lot size dimensions: 0*0
Parking
- Total spaces: 1
- Parking features: Garage
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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 | $1,709 | $20,508 |
| Home Insurance * | $465 | $5,580 |
| Property Taxes | $353 | $4,236 |
| Electricity | $197 | $2,366 |
| Total | $2,724 | $32,688 |
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 |
|---|---|---|
| 2026-07-28 | Price change | $338,000 |
| 2026-07-10 | Price change | $339,000 |
| 2026-04-20 | Price change | $340,000 |
| 2026-03-03 | Price change | $345,000 |
| 2026-02-11 | Price change | $348,000 |
| 2025-11-28 | Price change | $349,000 |
| 2025-10-14 | Listed for sale | $350,000 |
| 2025-10-02 | Listing removed | -- |
| 2025-10-02 | Price change | $350,000 |
| 2025-08-14 | Listed for sale | $330,000 |
| 2023-01-27 | Sold | $322,500 |
| 2023-01-22 | Pending sale | $338,500 |
| 2023-01-19 | Listed for sale | $338,500 |
| 2020-10-23 | Sold | $229,900 |
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