8610 Surf Drive 307, Panama City, FL 32408 (MLS# 784487)

List Price/SqFt: 445

Status: Active

List Date: 2026-02-01

List Price: $445,000

Current Price: $445,000

Unit #: 307

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: West on Thomas Drive and left on Surf Drive. (Joan Avenue turns into Surf Drive.) Whispering Seas will be on your right it is a three story building.

Area: 03 - Bay County - Beach

Street #: 8610

Street Name: Surf

Street Suffix: Drive

State: FL

Zip Code: 32408

County: Bay

Subdivision: Whispering Seas

Parcel ID: 30464-081-060

Legal Description: WHISPERING SEAS UNIT 307 ORB 1185 P 1755 ORB 2296 1BR 1B 1000 H&C P 1025

Floor Number: 3

Design: Low-Rise (1-3 floors)

Apx SqFt(Htd/Cooled): 1000

Immediate Occupancy: Yes

Construction Status: Construction Complete

SqFt Source: Prop App Site

# of Stories in Building: 3

# of Units in Bldg: 30

Pre-Const Flip: No

Lot Dimensions: 0 X 0

New Construction: No

Garage Y/N: No

Beach Frontage: 190

Driveway Spaces: 1

Pool: Yes

Pool Type: Private

Association Fee/Month: 1144

Sub-Type: Condominium

Bedrooms: 2

Full Baths: 2

Total Baths: 2

Year Built: 1987

Homestead: No

HOA Fee: Yes

HOA Amount: 3433

HOA Frequency: Quarterly

HOA Annual Amount: 13732

Senior Community: No

Is Subject Leased: No

New Buyer Fee: No

Last Taxes: 3320

Last Tax Year: 2025

Brokerage Interest: No Interest

As Is: Yes

Section: 6

Township: 4S

Range: 15W

Condo Doc: Yes

Remarks: Gulf Front Unit situated on the 3rd floor. Unit #307 has been completely remodeled and updated. Unit features approximately 1,000+-SF with two bedrooms, two baths, large living room, kitchen (newly renovated), and stacked washer and dryer. Sit on your private balcony and enjoy the views to the Gulf of Mexico over the sandy beach and pristine sand dunes. Complex is well maintained and well managed.. Great primary home, second home or beach vacation rental. Whispering seas is a low density walk up complex with only three floors; 30 units and approximately 190 feet along the Gulf of Mexico. Pool is located gulf side with grilling stations, gazebo and picnic areas. Both the milestone report and structural integrity reserve study have been completed with no pending special assessments. Don't let this fully furnished and fully renovated unit pass.

First: 1

Gunite Concrete: 1

Inground: 1

Dishwasher: 1

Disposal: 1

Microwave: 1

Range - Electric: 1

Refrigerator: 1

Washer/Dryer Stacked: 1

Water Heater - Electric: 1

Breakfast Bar: 1

Floor - Tile: 1

Floor - Vinyl Plank: 1

Lock Out Closet: 1

Split Bedroom: 1

Window - Treatment All: 1

Wood/Frame: 1

Roof - Membrane: 1

Roof - Metal: 1

Siding - Stucco: 1

Trim - Vinyl: 1

Trim - Wood: 1

Balcony: 1

Shore - Beach: 1

Shore - Natural: 1

Waterfront Feet: 190 for Complex

Gazebo: 1

Accounting: 1

BBQ Pit/Grill: 1

Beach: 1

Dumpster: 1

Ground Keeping: 1

Management: 1

Picnic Area: 1

Pool: 1

Repairs/Maintenance: 1

Sewer: 1

TV Cable: 1

Water: 1

Cash: 1

Conventional: 1

Furnished: 1

Floor - Carpet: 1

First: 1

Landscaped: 1

Waterfront: 1

Within 1/2 Mile to Water: 1

County Road: 1

Paved Road: 1

Parking Lot: 1

Paved: 1

Resort: 1

BBQ Pit/Grill: 1

Beach: 1

Dumpster: 1

Picnic Area: 1

Pool: 1

Waterfront: 1

Living Room: 1

Other: 1

TV Cable: 1

Electricity - Connected: 1

Garbage: 1

Phone - Available: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

Gulf: 1

Other - See Remarks: 1

As Is: 1

Gulf: 1

Ceiling Fan(s): 1

Central Air: 1

Electric: 1

Central: 1

Electric: 1

MBed Balcony: 1

MBed Waterfront: 1

See Remarks: 1

MBath Shower/Tub Combo: 1

Fire Alarm: 1

Smoke Detector(s): 1