9860 S Thomas Dr Unit 309, Panama City Beach, FL, 32408
About This Home
Gross Vacation Rental Projection $43,700-$59,950! Welcome to Laketown Wharf 309! Totally updated, tastefully decorated and fully furnished 2Bd/ 2Ba 1,262 SqFt condo with an additional bunk room. Perfectly situated on the 3rd floor—no need to wait for the elevator! Recently transformed with over $100,000 renovation, modern interior features an open-concept layout with new flooring, fresh paint, upgraded lighting package, and a gourmet kitchen equipped with stainless steel appliances, quartz countertops, and shaker-style soft-close cabinetry's, a spacious living area with brand new furniture and decor. Stay comfortable year-round with a brand-new 3-ton HVAC custom made system, ensuring efficient heating and cooling throughout the condo (most similar floor plan units are using to 2-2.5 ton that takes longer to cool down) and dehumidifier. Liquid and water sensors located in all five areas, underneath every sink, HVAC closet and laundry room for additional protection. Step outside to the spacious private balcony where you can enjoy scenic views of the lake and daily fountain shows. This is the perfect time to invest in the complex, as Laketown Wharf has recently added the exciting ''810 Billiards and Bowling,'' a family-friendly venue that will significantly enhance the resort's appeal and increase rental potential. Resort amenities include 5 pools (one heated), 2 hot tubs, a private beach access, multiple on-site dining, a gulf view fitness center, ice cream shop, hair salon, playground, multiple elevators, two covered parking garages, boardwalk overlooking lake, doggie area and more. This condo is ideal as a primary residence, vacation home or investment property. Call now for your private and exclusive showing!
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 Oven,Electric Range,Electric Water Heater
- Laundry features: Stacked
Bedroom
- Level: First
- Dimensions: 12 x 11
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Flooring: Luxury Vinyl Plank
Heating & Cooling
- Heating features: Central,Electric
- 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
- Dimensions: 20 x 15
Master Bedroom
- Level: First
- Dimensions: 14 x 12
Property
Details
- Parcel number: 40001000071
- Attached to another structure: Yes
Features
- Pool features: In Ground,Community
- Patio & porch: Balcony
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
Lot
- Lot size dimensions: zero lot line
Parking
- Total spaces: 2
- Parking features: Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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 | $1,643 | $19,716 |
| Home Insurance * | $447 | $5,364 |
| Property Taxes | $344 | $4,128 |
| Electricity | $197 | $2,366 |
| Total | $2,631 | $31,572 |
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 |
|---|---|---|
| 2025-09-08 | Price change | $365,000 |
| 2025-08-26 | Price change | $375,000 |
| 2025-08-14 | Price change | $385,000 |
| 2025-08-01 | Listed for sale | $395,000 |
| 2025-05-02 | Listing removed | $449,000 |
| 2025-02-22 | Listed for sale | $449,000 |
| 2025-02-15 | Listing removed | $2,200 |
| 2024-11-24 | Listed for rent | $2,200 |
| 2024-11-07 | Listing removed | $2,200 |
| 2024-10-28 | Listed for rent | $2,200 |
| 2024-10-02 | Listing removed | $2,250 |
| 2024-09-12 | Price change | $2,250 |
| 2024-09-06 | Listed for rent | $2,450 |
| 2023-11-24 | Listing removed | -- |
| 2023-11-10 | Price change | $2,000 |
| 2023-10-06 | Listed for rent | $2,500 |
| 2023-07-11 | Sold | $370,000 |
| 2023-05-15 | Contingent | $385,000 |
| 2023-05-04 | Listed for sale | $385,000 |
| 2018-09-17 | Sold | $179,900 |
| 2018-08-01 | Pending sale | $179,900 |
| 2018-08-01 | Listed for sale | $179,900 |
| 2016-07-08 | Listing removed | $179,900 |
| 2016-06-09 | Price change | $179,900 |
| 2015-10-21 | Price change | $180,780 |
| 2015-08-14 | Listed for sale | $179,900 |
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