$185,000
Panama City Beach, FL 32408
MLS# 797830
1 baths | 623 sqft
1 / 52
Property Description
Soak up the beach vibes and low-maintenance lifestyle at Plazas of St. Thomas on Grand Lagoon. This top-floor, fully furnished, turn-key studio offers 623 square feet of vacation-ready coastal living in the heart of east Panama City Beach. Inside, tile floors run throughout, the kitchen features white cabinets with upgraded quartz countertops, and the bathroom includes a double vanity and a shower/tub combo. The unit sits on the third/top floor. At this price point, it's an affordable way into a PCB condo on Grand Lagoon. Plus it's versatile enough to be a primary residence, a second home, or an income-producing short-term rental. The community brings the true resort feel: an in-ground pool, boat/fishing dock, tennis court, shuffleboard, BBQ area, gated entry, plus on-site boat parking for convenience. Beach access is easy; right across the street and less than a block away. The HOA is $1,291 per quarter (or approx $430/month) and covers water, sewer, grounds, pool, dock, gated security, and master association. The building passed its Milestone Inspection. The complex sits in St. Thomas Square, with Gulf beaches, shopping, dining, and local favorites like Tootsie's Orchid Lounge all close by. Schedule your showing today! A video tour is also available.
Details
Maps
General Property Info
Floor Number: 3
Design: Low-Rise (1-3 floors)
Apx SqFt(Htd/Cooled): 623
SqFt Source: Prop App Site
Half Baths: 0
# of Stories in Building: 3
Accessory Dwelling Unit: No
Lot Dimensions: condo
New Construction: No
Garage Y/N: No
Pool: Yes
Pool Type: Community
Sub-Type: Condominium
Full Baths: 1
Total Baths: 1
Year Built: 1985
Contract Info
List Price/SqFt: 296.95
Status: Active
List Date: 2026-11-12
List Price: $185,000
Current Price: $185,000
Location
Unit #: 1302A
Sub Area: 0323 - Beach - South of Grand Lagoon
Community/Resort: St. Thomas Square
Waterfront: Yes
Gulf Access: Yes
Elementary School: Breakfast Point
Middle School: Breakfast Point
High School: Arnold
Directions: From Front Beach Rd turn South on Joan Dr, turn left to arrive at the gate and enter the complex. Building is on the right.
Area: 03 - Bay County - Beach
Street #: 8730
Street Name: Thomas
Street Suffix: Drive
State: FL
Zip Code: 32408
County: Bay
Subdivision: Plazas Of St.Thomas I
Parcel ID: 30473-143-000
Legal Description: PLAZAS OF ST THOMAS I SUB UNIT #III-1302 ORB 1020 P 1476 1BR 1B 623 H&C ORB 4150 P 1055
Listing Info, Tax and Legal
HOA Fee: Yes
HOA Amount: 1291
HOA Frequency: Quarterly
HOA Annual Amount: 5164
New Buyer Fee: No
Last Taxes: 2061.69
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Condo Doc: Yes
Remarks & Misc
Remarks: Soak up the beach vibes and low-maintenance lifestyle at Plazas of St. Thomas on Grand Lagoon. This top-floor, fully furnished, turn-key studio offers 623 square feet of vacation-ready coastal living in the heart of east Panama City Beach. Inside, tile floors run throughout, the kitchen features white cabinets with upgraded quartz countertops, and the bathroom includes a double vanity and a shower/tub combo. The unit sits on the third/top floor. At this price point, it's an affordable way into a PCB condo on Grand Lagoon. Plus it's versatile enough to be a primary residence, a second home, or an income-producing short-term rental.
The community brings the true resort feel: an in-ground pool, boat/fishing dock, tennis court, shuffleboard, BBQ area, gated entry, plus on-site boat parking for convenience. Beach access is easy; right across the street and less than a block away. The HOA is $1,291 per quarter (or approx $430/month) and covers water, sewer, grounds, pool, dock, gated security, and master association. The building passed its Milestone Inspection. The complex sits in St. Thomas Square, with Gulf beaches, shopping, dining, and local favorites like Tootsie's Orchid Lounge all close by. Schedule your showing today! A video tour is also available.
Appliances
Cooktop - Electric: 1
Dishwasher: 1
Dryer: 1
Microwave: 1
Oven - Electric: 1
Range - Electric: 1
Refrigerator: 1
Washer: 1
Water Heater - Electric: 1
Construction/Siding
Siding - Stucco: 1
Exterior
Balcony: 1
Association Fees Include
Accounting: 1
BBQ Pit/Grill: 1
Dock: 1
Dumpster: 1
Gated Community: 1
Ground Keeping: 1
Insurance: 1
Management: 1
Pool: 1
Recreational Faclty: 1
Security: 1
Sewer: 1
Tennis: 1
Water: 1
Furnished
Furnished: 1
Utilities
Electricity - Connected: 1
Public Sewer - Connected: 1
Public Water - Connected: 1
Waterfront Type
Lagoon/Estuary: 1
Cooling
Central Air: 1
Electric: 1
Heating
Central: 1
Property Features
Appliances: Cooktop - Electric; Dishwasher; Dryer; Microwave; Oven - Electric; Range - Electric; Refrigerator; Washer; Water Heater - Electric
Cooling: Central Air; Electric
Heating: Central
Exterior: Balcony
Association Fees Include: Accounting; BBQ Pit/Grill; Dock; Dumpster; Gated Community; Insurance; Ground Keeping; Management; Pool; Recreational Faclty; Security; Sewer; Tennis; Water
Furnished: Furnished
Utilities: Electricity - Connected; Public Sewer - Connected; Public Water - Connected
Waterfront Type: Lagoon/Estuary
Listing Office: Coldwell Banker Realty
Last Updated: November - 12 - 2026
Information deemed reliable but not guaranteed.