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9900 S Thomas Drive 1003, Panama City Beach, FL 32408

Shores Of Panama · Bay County

Key Facts

2Beds
3Baths
1,131Sq Ft
2007Year Built

Description

RARE GULF-FRONT CORNER UNIT WITH AN OVERSIZED WRAPAROUND BALCONY, RESERVED PARKING SPOT + OWNER FINANCING AVAILABLE AT 2.9% INTEREST RATE! Opportunities like this rarely come available at Shores of Panama. This spectacular Gulf-front corner residence features one of the most sought-after floor plans in the entire resort, highlighted by an enormous wraparound balcony that delivers breathtaking panoramic views of the emerald-green Gulf waters, sugar-white beaches, and the resort's world-famous lagoon-style pool. Unlike standard balconies, this expansive outdoor living space provides multiple seating areas, incredible sunset views, and a front-row seat to everything that makes Panama City Beach one of the Gulf Coast's most desirable destinations. Inside, floor-to-ceiling glass fills the residence with natural light while showcasing stunning water views from nearly every angle. The spacious 2-bedroom plus bunk room, 2.5-bath layout sleeps just like a 3 bedroom and comfortably accommodates family and guests while offering exceptional flexibility and rental appeal. The beautifully appointed kitchen is designed for entertaining, featuring granite countertops, white shaker cabinetry, stainless steel appliances, and abundant workspace for hosting unforgettable beach gatherings. The open-concept living area is enhanced by upscale designer furnishings, custom tile flooring throughout, and absolutely no carpet, creating a sophisticated coastal atmosphere that is both elegant and easy to maintain. Wake up each morning to Gulf views from the luxurious beachfront primary suite, complete with private balcony access and a spacious ensuite bath. Additional guest accommodations include a generously sized guest bedroom and dedicated bunk room, making this residence ideal for large families and vacationing guests. Adding even more value, this residence includes a dedicated parking space located directly outside the unit on the same floor--a rare convenience that allows you to walk straight from your vehicle to your front door without ever waiting on an elevator. Shores of Panama continues to be one of Panama City Beach's premier resort destinations, featuring Florida's largest lagoon-style pool, an expansive tropical pool deck, beachside hot tubs, indoor heated pool, sauna, steam room, fitness center, spa services, on-site dining, and direct beach access. You're also just minutes from Pier Park, waterfront dining, entertainment venues, and the brand-new Topgolf attraction. For buyers looking to maximize affordability, the seller is offering a special financing opportunity, creating an incredible chance to own one of the most desirable Gulf-front corner units in Panama City Beach. Whether you're searching for a luxury beachfront getaway, an income-producing vacation property, or both, this extraordinary residence delivers the views, amenities, location, and lifestyle that buyers dream about. Rare wraparound balcony. Gulf-front corner location. Same-floor parking. Owner financing available. This is the one buyers wait for.

Property Information

Property Type

Residential

Sub-Type

Condominium

Style

HighRise

Year Built

2007

Living Area

1,131 sq ft

Lot Dimensions

0x0

MLS® Listing#

791406

Property Features

Exterior

Balcony

Appliances

Electric OvenElectric Water HeaterIce Maker

Cooling

Ceiling Fan(s)

Heating

CentralElectric

Pool

GuniteElectric HeatGas HeatIn GroundCommunity

Parking

Additional ParkingGatedParking Lot

Patio

DeckPatioCoveredPorch

Lot Features

Waterfront

Construction

Concrete

Windows

Storm Window(s)

Security

Smoke Detector(s)Fire Sprinkler SystemSecured Garage/ParkingFire AlarmSecurity Service24 Hour Security

Community

PoolFitness CenterGatedPark

Utilities

Cable ConnectedElectricity AvailablePhone Connected

Sewer

Public Sewer

Rooms

  • 10 x 7First
  • 13 x 7First
  • 9 x 8First
  • 7 x 4First
  • 12 x 11First
  • Bedroom12 x 11First
  • Living Room16 x 14First

Schools

Elementary:
Breakfast Point
Middle:
Breakfast Point
High:
Arnold

Financial Details

HOA

Yes

Parcel Number

40000-650-162

Directions

From Front Beach road heading East, turn onto Thomas Drive on the west end and Shores will be on your right

Affordability Calculator

$139,990

Estimated monthly payment

$3,725/mo

Principal $559,960 · Est. interest $781,194 over 30 yrs

Neighborhood Market Statistics

How this home compares to active listings in Panama City Beach, FL

$471,618
Median Listing Price
112
Median Days on Market
1,462
Median Sq Ft
$344
Median Price / Sq Ft
31,969
Active Listings
  • This home’s price is 48% above the area median.
  • Its price per sq ft is 80% above the area median.

Market statistics compiled from active EXIT Realty® and MLS listings in Panama City Beach, FL.

Location

Map showing the location of 9900 S Thomas Drive 1003, Panama City Beach, FL 32408

Points of Interest in Panama City Beach, FL

Showing the Panama City Beach area map.

Nearby Schools

  • Primary Prep School

    Elementary · 0.5 mi away

  • St Bernadette Early Childhood Development Center

    School · 1.2 mi away

  • Twisted Fork Culinary Classroom

    School · 1.7 mi away

  • Arnold Pre K

    Secondary · 1.7 mi away

  • Breakfast Point Academy

    School · 1.8 mi away

  • JR Arnold High School

    Secondary · 2.0 mi away

  • Surfside Kids Academy

    School · 2.3 mi away

  • Hutchison Beach Elementary School

    Elementary · 2.5 mi away

  • Patronis Elementary School

    Elementary · 2.5 mi away

  • Learning Tree II-Child Development Center

    School · 3.2 mi away

  • Stacey's Fun in the Sun Preschool 2 Inc.

    School · 3.2 mi away

  • Surfside Middle School

    Secondary · 3.6 mi away

  • Lucille Moore Elementary School

    Elementary · 5.9 mi away

  • PCB Academy

    School · 6.0 mi away

  • St Andrew School

    School · 6.2 mi away

  • Gulf Coast School for Autism

    School · 6.6 mi away

  • Bacot Academy

    School · 6.8 mi away

  • St. Andrew School at Oakland Terrace

    Elementary · 6.8 mi away

  • Oakland Terrace School for the Arts

    School · 6.8 mi away

  • Covenant Christian School

    School · 6.9 mi away

Commute Calculator

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Moving Cost Estimate

EXIT Agents in Panama City Beach

Listing Courtesy: RealJoy Realty LLC - 8133765621

The data relating to real estate for sale on this website comes in part from the Internet Data exchange program of Central Panhandle Association of REALTORS®. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. Copyright ©2026 Central Panhandle Association of REALTORS®. All Rights Reserved.

The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of one or more Multiple Listing Services (MLS). Listing information is deemed reliable but is not guaranteed accurate. Copyright © EXIT Realty® and respective MLS providers.

Data provided by CentralPanhandleAssociationOfRealtors. MLS® Listing#791406. © 2026EXIT Realty®. All rights reserved.