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!
For sale
Price cut: $6K (8/1)
$469,000
8517 Surf Dr Unit 203, Panama City Beach, FL 32408
1beds
1,060sqft
Condominium
Built in 1990
-- sqft lot
$444,300 Zestimate®
$442/sqft
$417/mo HOA
What's special
- 208 days
- 267
- 19
Zillow last checked:
Listing updated:
Listed by:
Donald W West 850-596-3349,
Northwest Florida Realty, LLC
Source: CPAR,MLS#: 784524
Originating MLS: Central Panhandle Association of REALTORS
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Rooms
- Room types: Bedroom
Bedroom
- Level: First
- Dimensions: 20 x 17
Heating
- Central
Cooling
- Central Air
Appliances
- Included: Electric Oven, Electric Water Heater
Features
- Walk-In Closet(s)
Interior area
- Total structure area: 1,060
- Total interior livable area: 1,060 sqft
Property
Features
- Patio & porch: Balcony
- Has view: Yes
- View description: Gulf
- Has water view: Yes
- Water view: Gulf
- Waterfront features: Gulf
- Frontage length: 80
Details
- Parcel number: 30470070000
- Zoning description: Resid Multi-Family
Construction
Type & style
- Home type: Condo
- Architectural style: Low Rise
- Property subtype: Condominium
Condition
- New construction: No
- Year built: 1990
Utilities & green energy
- Sewer: Public Sewer
Community & HOA
Community
- Features: Waterfront, Short Term Rental Allowed
- Subdivision: [No Recorded Subdiv]
HOA
- Has HOA: Yes
- Services included: Legal/Accounting, Maintenance Grounds, Maintenance Structure
- HOA fee: $5,000 annually
Location
- Region: Panama City Beach
Financial & listing details
- Price per square foot: $442/sqft
- Tax assessed value: $286,140
- Annual tax amount: $2,283
- Date on market: 7/31/2026
- Cumulative days on market: 208 days
Estimated market value
$444,300
$422,000 - $467,000
$1,848/mo
Price history
| Date | Event | Price |
|---|---|---|
| 8/1/2026 | Price change | $469,000-1.3%$442/sqft |
Source: | ||
| 6/26/2026 | Price change | $475,000-1.9%$448/sqft |
Source: | ||
| 4/14/2026 | Price change | $484,000-3%$457/sqft |
Source: | ||
| 2/2/2026 | Listed for sale | $499,000-9.3%$471/sqft |
Source: | ||
| 8/13/2025 | Listing removed | $549,999$519/sqft |
Source: | ||
| 4/28/2025 | Price change | $549,999-8.3%$519/sqft |
Source: | ||
| 3/19/2025 | Price change | $599,9990%$566/sqft |
Source: | ||
| 3/13/2025 | Listed for sale | $600,000+179.1%$566/sqft |
Source: | ||
| 11/20/2014 | Sold | $215,000-2.3%$203/sqft |
Source: | ||
| 7/10/2014 | Price change | $220,000-6.4%$208/sqft |
Source: Counts Real Estate Group Inc #616903 Report a problem | ||
| 5/14/2014 | Price change | $235,000-6%$222/sqft |
Source: Counts Real Estate Group Inc #616903 Report a problem | ||
| 5/7/2014 | Price change | $250,000+13.7%$236/sqft |
Source: Counts Real Estate Group Inc #616903 Report a problem | ||
| 3/22/2014 | Price change | $219,900-6.4%$207/sqft |
Source: Counts Real Estate Group Inc #616903 Report a problem | ||
| 2/7/2014 | Listed for sale | $235,000$222/sqft |
Source: Counts Real Estate Group Inc #616903 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $2,208 +1.9% | $220,594 +3% |
| 2023 | $2,167 +8.1% | $214,169 +3% |
| 2022 | $2,004 | $207,931 |
| 2021 | -- | -- |
| 2020 | $2,037 -1.1% | $201,875 |
| 2019 | $2,060 | $201,875 |
| 2018 | $2,060 -1.6% | $201,875 |
| 2017 | $2,094 -0.9% | $201,875 +33.8% |
| 2016 | $2,113 +14.1% | $150,920 +10% |
| 2015 | $1,851 | $137,200 +40% |
| 2014 | $1,851 | $98,000 |
| 2013 | -- | $98,000 |
| 2012 | -- | $98,000 |
| 2011 | -- | $98,000 +10% |
| 2010 | -- | $89,097 |
| 2009 | -- | $89,097 -21.5% |
| 2008 | -- | $113,499 |
| 2007 | -- | $113,499 +20.3% |
| 2006 | -- | $94,343 |
| 2005 | -- | $94,343 |
| 2004 | -- | $94,343 |
| 2003 | -- | $94,343 |
| 2002 | -- | $94,343 |
| 2001 | -- | $94,343 |
| 2000 | -- | $94,343 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
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Neighborhood: Lower Grand Lagoon
Nearby schools
Schools provided by the listing agent
- Elementary: Breakfast Point
- Middle: Breakfast Point
- High: Arnold
Source: CPAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.






