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9902 S Thomas Dr Unit 1233, Panama City Beach, FL, 32408

3beds
3baths
1,681sqft
$374,900
$223price/sqft
$3,075/moest. monthly cost
$123,000/yrincome needed

About This Home

Welcome to Laketown Wharf 1233 Experience the pinnacle of modern coastal living in this fully renovated condo. Thoughtfully designed with brand-new flooring, freshly painted interiors, and updated lighting fixtures, this condo offers a clean, fresh, and sophisticated ambiance. Boasting three king-size bedrooms, three full baths, and a sleeper sofa, this spacious condo comfortably accommodates up to 10 guests, making it perfect for family vacations or group getaways. The kitchen is equipped with a new refrigerator and stove, ready for you to prepare memorable meals, while all-new TVs throughout ensure entertainment is always within reach. Whether you're relaxing after a day at the beach or hosting friends, this stylish retreat has everything you need for a perfect escape. The Ultimate Turnkey Property This condo is more than just a vacation retreat--it's a savvy investment opportunity. Located in the heart of Panama City Beach, Laketown Wharf Resort offers unparalleled amenities that attract guests year-round: • Five sparkling pools and two hot tubs to unwind. • A fully equipped fitness center. • Private beach access and covered parking. • A dazzling nightly light show for a magical experience. • On-site dining with five restaurants, market shops, and a stylish poolside bar. . 810 Billiards & Bowling Whether you're seeking a second home or a high-performing rental property, this condo is the perfect choice for comfort, convenience, and investment potential. Come discover why Laketown Wharf 1233 is the ultimate destination for beachfront luxury!

Getting Around

47
WalkingCar-Dependent
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

6/10
Breakfast Point AcademyGrades PK-81.0 mi
4/10
J.R. Arnold High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 2007

Type & Style

  • Home type: Condo
  • Architectural style: High Rise
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: ENERGY STAR Qualified Appliances,Electric Oven,Electric Range,Electric Water Heater,Ice Maker

Bedroom

  • Dimensions: 13 x 12

Bedroom

  • Dimensions: 13 x 12

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Luxury Vinyl Plank

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 1,681
  • Total interior livable area: 1,681 sqft

Kitchen

  • Dimensions: 13 x 9

Living Room

  • Dimensions: 21 x 16

Master Bedroom

  • Dimensions: 14 x 14

Property

Details

  • Parcel number: 40001000434
  • Attached to another structure: Yes
  • Zoning description: Resort
  • Special condition: Listed As-Is

Features

  • Pool features: In Ground,Community
  • Patio & porch: Balcony
  • Exterior features: Barbecue,Outdoor Shower
  • Spa features: Community
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake

Lot

  • Lot size dimensions: 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
    HurricaneVery High
  • Coastal Flooding
    Coastal FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Lightning
Tornado
Tsunami

FEMA Declared Disasters in Bay County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

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

MonthlyAnnual
Mortgage $1,895$22,740
Home Insurance *$516$6,192
Property Taxes $467$5,604
Electricity $197$2,366
Total$3,075$36,900
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,428/yr
40% on housing$92,250/yr
45% on housing$82,000/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

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.

Insurance Growth Rate5-year average: 13.3%
13.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$223This listing

vs Other Active Listings

Avg $/sqft

ZIP 32408$234
Bay County$242

vs Homes Sold Last Month

Median $/sqft

ZIP 32408$299
Bay County$205

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

DateEventPrice
2026-05-06Listed for sale$374,900
2026-03-05Listing removed$395,000
2025-09-02Price change$395,000
2024-12-22Listed for sale$415,000
2024-09-30Listing removed$434,900
2024-06-28Price change$434,900
2024-06-26Price change$449,000
2024-05-01Listed for sale$439,900
2024-04-25Listing removed--
2024-02-09Price change$464,900
2023-12-08Listed for sale$465,000
2023-11-07Listing removed--
2023-09-17Price change$460,000
2023-07-15Price change$485,000
2023-06-25Listed for sale$495,000
2023-03-27Listing removed--
2023-02-22Listed for sale$510,000
2020-11-23Sold$280,000
2019-06-09Price change$280,000
2019-01-26Listed for sale$270,000

For Sale by Agent

AgentPhyllis Holloway, Coastal Living Realty & Associates
BrokerageCoastal Living Realty & Associates

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