8517 Surf Drive 203, Panama City, FL 32408 (MLS# 784524)

List Price/SqFt: 448.11

Status: Active

List Date: 2026-02-04

List Price: $475,000

Current Price: $475,000

Unit #: 203

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: South on Thomas Drive to left on Bonita Street, right on Surf Drive, Condos immediately on your left - Beach Side

Area: 03 - Bay County - Beach

Street #: 8517

Street Name: Surf

Street Suffix: Drive

State: FL

Zip Code: 32408

County: Bay

Subdivision: [No Recorded Subdiv]

Parcel ID: 30470-070-000

Legal Description: PANAMA CITY BEACH SURF CLUB UNIT 203 ORB 1278 P 1617 2BR 1B 1004 H&C ORB 3659 P 921 (1BR) 1B SAME SQ FT - CHG FR . 2BR

Floor Number: 2

Design: Low-Rise (1-3 floors)

Apx SqFt(Htd/Cooled): 1060

Construction Status: Construction Complete

SqFt Source: Prop App Site

Lot Dimensions: 0x0

New Construction: No

Garage Y/N: No

Pool: No

Sub-Type: Condominium

Bedrooms: 1

Full Baths: 1

Total Baths: 1

Year Built: 1990

Homestead: Yes

HOA Fee: Yes

HOA Amount: 5000

HOA Frequency: Annually

HOA Annual Amount: 5000

New Buyer Fee: No

Last Taxes: 2283

Last Tax Year: 2025

Brokerage Interest: No Interest

Condo Doc: Yes

Remarks: Gulf-Front Living at Its Finest - On the Beach! Experience coastal paradise from this rarely available gulf-front, low-rise condominium located on the 2nd floor (top floor), just steps from the sugar-white sands and surf of the Gulf of Mexico. Wake up to the soothing sound of waves and water views from your private balcony — the perfect place for morning coffee or evening sunsets. Inside, enjoy an open, light-filled layout with thoughtful updates throughout. The kitchen and living areas flow seamlessly, ideal for both relaxed living and entertaining guests. Amazing wood-like tile through the entire home. The kitchen boasts beautiful cabinetry, a copper apron sink, and stunning quartz countertops. Also matching copper backsplash and a high-end Whirlpool appliance package. A spacious en-suite with walk-in-closet. Currently a permanent residence and pride of ownership shows throughout. Previously a 2 bath and owners coverted to 1 bath, could easily be changed back and owners have the matching flooring.on the second story offers elevated views while still providing easy access. The current owners have the living space set up as the master bedroom to wake up to the view! This well-maintained condo is part of a low-density community that enhances privacy and charm while placing you in close proximity to local dining, shopping, and entertainment options. It may have the lowest association fees that you will find anywhere. Hvac and water heater are less than 4 years old. Whether you're seeking a permanent residence, vacation escape, or investment property, this Gulf-front gem delivers unparalleled beach lifestyle living. Don't miss your chance to own a piece of coastal bliss!

Oven - Electric: 1

Water Heater - Electric: 1

Ceiling - Crwn Molding: 1

Floor - Tile: 1

Window - Treatment All: 1

Balcony: 1

Waterfront Feet: 80

Accounting: 1

Ground Keeping: 1

Repairs/Maintenance: 1

Cash: 1

Conventional: 1

Unfurnished: 1

City Street: 1

Private Road: 1

Assigned: 1

Resid Multi-Family: 1

Waterfront: 1

Bedroom: 1

Electricity - Connected: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

Gulf: 1

Gulf: 1

First: 1

Central Air: 1

Central: 1

MBed Walk-in Closet: 1