8515 Surf Drive 3, Panama City Beach, FL 32408 (MLS# 797180)

Floor Number: 2

Design: Low-Rise (1-3 floors)

Apx SqFt(Htd/Cooled): 2464

Immediate Occupancy: Yes

Construction Status: Construction Complete

SqFt Source: Prop App Site

# of Stories in Building: 3

Accessory Dwelling Unit: No

Lot Dimensions: 0

New Construction: No

Garage Y/N: No

Covered Spaces: 2

Pool: Yes

Pool Type: Community

Sub-Type: Condominium

Bedrooms: 4

Full Baths: 3

Total Baths: 3

Year Built: 2001

List Price/SqFt: 618.91

Status: Active

List Date: 2026-11-27

List Price: $1,525,000

Current Price: $1,525,000

Unit #: 3

Sub Area: 0323 - Beach - South of Grand Lagoon

Community/Resort: None

Waterfront: Yes

Gulf Access: Yes

Elementary School: Breakfast Point

Middle School: Breakfast Point

High School: Arnold

Directions: Heading East on Thomas Drive turn right on Bonita. Turn left on Surf and it is the blue building on right, 1st floor and best floor.

Area: 03 - Bay County - Beach

Street #: 8515

Street Name: Surf

Street Suffix: Drive

State: FL

Zip Code: 32408

County: Bay

Subdivision: Bel Air Beach Condo

Parcel ID: 30416-003-000

Legal Description: BEL AIR BEACH CONDO BLDG 1 UNIT 3 (1ST FLR) ORB 3271 P 1059 4BR 4B 2464 H&C

HOA Fee: Yes

HOA Amount: 5000

HOA Frequency: Quarterly

HOA Annual Amount: 20000

Is Subject Leased: No

New Buyer Fee: No

Last Taxes: 13398

Last Tax Year: 2025

Brokerage Interest: No Interest

Condo Doc: Yes

Remarks: Experience Gulf-front, first floor living at 8515 Surf Drive, Unit 3, a beautifully renovated four-bedroom, three-bath condominium in an intimate, six-unit, low-rise community in Panama City Beach. Located on the first residential level, this spacious retreat features a private, key-coded elevator opening into your own foyer. High ceilings, custom crown molding, luxury vinyl plank flooring and an open layout create an inviting setting framed by spectacular Gulf views. The living area features a gas fireplace, Lutron lighting and remote-controlled blinds, while the generous dining space offers room for gathering and entertaining. The updated kitchen includes upgraded cabinetry, granite countertops, stainless steel appliances, a smooth-top stove and a breakfast bar. Expansive sliding glass doors connect the living area to an impressive covered deck that wraps around the entire Gulf-facing exterior of the condominium. Spanning 56 feet in length, this outdoor living space offers ample room for dining, lounging and entertaining against a stunning coastal backdrop. Thoughtfully designed with Balconista furniture, special ambient lighting, an outdoor television, ceiling fans and privacy screens, the deck is equally inviting during the day and after sunset. A retractable garden hose adds convenience. Enjoy morning coffee overlooking the water and evenings with the sound of the waves and brilliant coastal sunsets. The primary suite offers direct deck access, Gulf views and east-facing windows that welcome the morning light. Its bath features dual vanities, a jetted tub with Gulf views and a custom-organized closet. A second Gulf-front bedroom shares a bathroom with the third bedroom, while the fourth bedroom includes a private bath. All three bathrooms have been renovated with updated tile, shower surrounds, toilets and heated towel rods. Additional conveniences include custom closets, a built-in safe in the laundry room and a covered front balcony. Improvements include hurricane-rated windows and doors, Hardie plank siding, a metal roof, an updated carport ceiling and HVAC. Two Gulf-front pools provide separate areas for owners and rental guests, and a gated beach walkover offers direct access to the sand. Three covered parking spaces beneath the building and an additional driveway space provide parking for up to four vehicles. Owner-occupied for the past five years, this thoughtfully upgraded condominium offers an exceptional setting for a primary residence, beach retreat or vacation rental. Offered unfurnished, with the outdoor furnishings, outdoor television, ceiling fans and privacy screens are included.

First: 1

First: 1

Fenced: 1

Gunite Concrete: 1

Heated - Gas: 1

Inground: 1

Cooktop - Electric: 1

Disposal: 1

Dryer: 1

Freezer: 1

Ice Maker: 1

Instant Hot Water: 1

Microwave: 1

Oven - Double: 1

Plumbed For Ice Maker: 1

Refrigerator: 1

Washer: 1

Water Heater - Gas: 1

Water Heater - Tankless: 1

Elevator: 1

Fireplace: 1

Floor - Vinyl Plank: 1

Kitchen Island: 1

Lock Out Closet: 1

Pantry: 1

Split Bedroom: 1

Foundation - On Piling: 1

Wood/Frame: 1

Siding - Hardie Board: 1

Siding - Metal: 1

Balcony: 1

Deck Covered: 1

Double Pane Windows: 1

Fenced Lot-Part: 1

Fire Pit: 1

Fireplace: 1

Shower: 1

Porch Covered: 1

Shore - Beach: 1

Outbuilding: 1

Other: 1

Accounting: 1

Beach: 1

Ground Keeping: 1

Insurance: 1

Management: 1

Master Association: 1

Picnic Area: 1

Pool: 1

Repairs/Maintenance: 1

Cash: 1

Conventional: 1

VA: 1

Negotiable: 1

Smart Home: 1

First: 1

First: 1

Covenants & Rescrictions: 1

Dedicated Beach: 1

Near Beach Access: 1

Waterfront: 1

Within 1/2 Mile to Water: 1

County Road: 1

Paved Road: 1

Additional Parking: 1

Assigned: 1

Carport Attached: 1

Driveway: 1

Gravel: 1

Paved: 1

Resid Multi-Family: 1

Beach: 1

Elevators: 1

Picnic Area: 1

Pool: 1

Separate Storage: 1

Waterfront: 1

Bedroom: 1

Deck/Patio: 1

Dining Room: 1

Kitchen: 1

Living Room: 1

Primary Bedroom: 1

Cable - Available: 1

Electricity - Connected: 1

Garbage: 1

Natural Gas - Connected: 1

Internet - Fiber Optic: 1

Phone - Connected: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

Gulf: 1

Unobstructed: 1

Gulf: 1

First: 1

First: 1

Ceiling Fan(s): 1

Central Air: 1

Electric: 1

Central: 1

Electric: 1

Fireplace - Gas: 1

MBath Double Vanity: 1

MBath Separate Shwr: 1

MBath Tub - Jetted: 1

MBed Balcony: 1

MBed First Floor: 1

MBed Waterfront: 1

Carbon Monoxide Detector: 1

Fire Alarm: 1

Fire Sprinkler System: 1

Security Fence: 1

Security Lights: 1

Smoke Detector(s): 1