9860 S Thomas Dr Unit 1110, Panama City Beach, FL, 32408
About This Home
Seller Offering $15,000 Cash Back towards Buyers Closing Costs/ Rate Buy Down, or Anyway you choose! *Spectacular Beach/Gulf Views *Location *Sleeps 8 Comfortably with Extra Bunk Room *Fully Furnished/Turn Key with Fine Furnishings *New 2025 Water Heater *Newer 2020 Stainless Appliances *Newer 2020 Washer/Dryer *Newer 2021 HVAC *Spacious King Master Suite with Mesmerizing Water Views *Only 1 Floor up from the direct walkover to the pool for convenience *Great Investment to add to your Portfolio or use as a Vacation/Second Home or Full Time Residence. Phenomenal Resort Amenities to include *Private Beach Access *5 Stunning Unique Pools, 2 Hot Tubs *Beach Bar, Pool Bar *5 Onsite Restaurants + Ice Cream Shop *Gulf Front Fitness Center *Pickleball *Putting Green *Covered Parking *Private Lake with Captivating Nightly Fountain/Light Shows & Scenic Walking Boardwalk around *Onsite Market Shops *Close to Numerous PCB Attractions, Shopping, Restaurants & Night-life! What Else Could You Ask For? Make This Resort Condo Yours and Start Living The Dream Life you Deserve!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Construction Complete
- Year built: 2008
Type & Style
- Home type: Condo
- Property subType: Condominium
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Washer,Electric Water Heater
- Laundry features: Common Area,Washer/Dryer Hookup
Bedroom
- Level: First
- Area: 168
- Dimensions: 14 x 12
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Breakfast Bar,Hallway Bunk Beds,Split Bedroom
- Flooring: Tile,Vinyl
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 1,262
- Total interior livable area: 1,262 sqft
Living Room
- Level: First
- Area: 300
- Dimensions: 20 x 15
Master Bathroom
- Level: First
- Area: 168
- Dimensions: 14 x 12
Other
- Level: First
- Area: 63
- Dimensions: 9 x 7
Other
- Level: First
- Area: 63
- Dimensions: 9 x 7
Property
Details
- Parcel number: 40001000373
Features
- Private pool: Yes
- Pool features: Heated,In Ground
- Exterior features: Balcony
- Has spa: Yes
- Spa features: Heated
- Has view: Yes
- View description: Gulf,Gulf/Pass,Lake
- Has water view: Yes
- Water view: Gulf,Gulf/Pass,Lake
Parking
- Parking features: Covered
- Has garage: Yes
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 | $2,149 | $25,788 |
| Home Insurance * | $585 | $7,020 |
| Property Taxes | $450 | $5,400 |
| Electricity | $197 | $2,366 |
| Total | $3,381 | $40,572 |
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 |
|---|---|---|
| 2026-04-30 | Price change | $425,000 |
| 2025-09-12 | Price change | $428,000 |
| 2025-05-21 | Price change | $430,000 |
| 2025-05-01 | Listed for sale | $440,000 |
| 2022-02-16 | Sold | $425,000 |
| 2022-01-06 | Pending sale | $432,900 |
| 2022-01-01 | Listed for sale | $432,900 |
| 2020-03-11 | Sold | $245,000 |
| 2020-02-03 | Pending sale | $245,000 |
| 2020-02-01 | Listed for sale | $245,000 |
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