8618 Surf Drive 206, Panama City Beach, FL 32408 (MLS# 793610)

Floor Number: 2

Design: Low-Rise (1-3 floors)

Apx SqFt(Htd/Cooled): 576

Construction Status: Construction Complete

SqFt Source: Prop App Site

# of Stories in Building: 2

Accessory Dwelling Unit: No

Lot Dimensions: 0x0

New Construction: No

Garage Y/N: No

Pool: Yes

Pool Type: Community

Sub-Type: Condominium

Bedrooms: 1

Full Baths: 1

Total Baths: 1

Year Built: 1982

List Price/SqFt: 485.94

Status: Active

List Date: 2026-08-05

List Price: $279,900

Current Price: $279,900

Unit #: 206

Sub Area: 0323 - Beach - South of Grand Lagoon

Community/Resort: None

Waterfront: Yes

Gulf Access: No

Elementary School: Breakfast Point

Middle School: Breakfast Point

High School: Arnold

Directions: Head south on Joan Avenue across Thomas Dr. Continue straight as Joan Ave. becomes Surf Dr. Continue east on Surf Dr. until you see Ocean Terrace Condominium. The property will be on the right, beach side.

Area: 03 - Bay County - Beach

Street #: 8618

Street Name: Surf

Street Suffix: Drive

State: FL

Zip Code: 32408

County: Bay

Subdivision: Ocean Terr. Condo.

Parcel ID: 30464-280-000

Legal Description: Attached - Exhibit A

Homestead: No

HOA Fee: Yes

HOA Amount: 1422.38

HOA Frequency: Quarterly

HOA Annual Amount: 5689.52

New Buyer Fee: No

Last Taxes: 2601.42

Last Tax Year: 2025

Brokerage Interest: Owner Outside Licensee - Owner is a licensed real estate broker or salesperson.

As Is: Yes

Condo Doc: Yes

Remarks: Welcome to this charming, updated 1-bedroom, 1-bath condominium at Ocean Terrace Condominiums in Panama City Beach. Located in a low-density, two-story Gulf-side community, this beautifully maintained unit is just steps from the sugar-white sands and emerald waters of the Gulf of Mexico. Inside, you'll find a tastefully updated kitchen featuring stainless steel appliances, a tile backsplash, updated cabinetry and countertops, as well as attractive plank tile flooring throughout. The bathroom has been updated with a beautifully tiled, glass-enclosed shower and vanity, adding a modern touch to the space. A portion of the living area is currently being utilized as flexible space and is arranged as an additional sleeping area, providing added versatility for owners and guests. Community amenities include a Gulf-front swimming pool and a gazebo with picnic tables, offering the perfect spot to relax after a day at the beach. The convenient location places you within walking distance of restaurants, shopping, and entertainment, while nearby St. Andrews State Park offers opportunities for boating, fishing, kayaking, hiking, and enjoying Florida's natural beauty. Whether you're looking for a vacation getaway, investment property, or your own beach retreat, this turn-key ready condo combines tasteful updates with an unbeatable location.

First: 1

Inground: 1

Microwave: 1

Range - Electric: 1

Refrigerator: 1

Water Heater - Electric: 1

Ceiling - Crwn Molding: 1

Floor - Tile: 1

Window - Treatment All: 1

Insurance: 1

Pest Control: 1

Pool: 1

Sewer: 1

TV Cable: 1

Water: 1

Cash: 1

Conventional: 1

Furnished: 1

First: 1

First: 1

Waterfront: 1

Paved Road: 1

Parking Lot: 1

Paved: 1

Pavilion/Gazebo: 1

Pool: 1

Waterfront: 1

Bedroom: 1

Dining Room: 1

Full Bathroom: 1

Kitchen: 1

Living Room: 1

TV Cable: 1

Electricity - Connected: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

First: 1

Gulf: 1

First: 1

Ceiling Fan(s): 1

Central Air: 1

Electric: 1

Central: 1

Electric: 1

MBath Shower Only: 1

Smoke Detector(s): 1