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For sale
  • Price cut: $6K (8/1)
    $469,000

    8517 Surf Dr Unit 203, Panama City Beach, FL 32408

    1beds
    1,060sqft
    : 
    $3,399/mo
    Get pre-qualified
    Condominium
    Built in 1990
    -- sqft lot
    $444,300 Zestimate®
    $442/sqft
    $417/mo HOA

    What's special

    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!
    205 days
    |
    255
    |
    18
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    Zillow last checked:

    Listing updated:

    Listed by:

    Donald W West 850-596-3349,

    Northwest Florida Realty, LLC

    Source: CPAR,MLS#: 784524MLS LogoOriginating 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: 206 days

        Estimated market value

        $444,300

        $422,000 - $467,000

        $1,911/mo

        Price history

        DateEventPrice
        8/1/2026Price change$469,000-1.3%$442/sqft
        Source: CPAR #784524 Report a problem
        6/26/2026Price change$475,000-1.9%$448/sqft
        Source: CPAR #784524 Report a problem
        4/14/2026Price change$484,000-3%$457/sqft
        Source: CPAR #784524 Report a problem
        2/2/2026Listed for sale$499,000-9.3%$471/sqft
        Source: CPAR #784524 Report a problem
        8/13/2025Listing removed$549,999$519/sqft
        Source: CPAR #770321 Report a problem
        4/28/2025Price change$549,999-8.3%$519/sqft
        Source: CPAR #770321 Report a problem
        3/19/2025Price change$599,9990%$566/sqft
        Source: CPAR #770321 Report a problem
        3/13/2025Listed for sale$600,000+179.1%$566/sqft
        Source: CPAR #770321 Report a problem
        11/20/2014Sold$215,000-2.3%$203/sqft
        Source: CPAR #616903 Report a problem
        7/10/2014Price change$220,000-6.4%$208/sqft
        Source: Counts Real Estate Group Inc #616903 Report a problem
        5/14/2014Price change$235,000-6%$222/sqft
        Source: Counts Real Estate Group Inc #616903 Report a problem
        5/7/2014Price change$250,000+13.7%$236/sqft
        Source: Counts Real Estate Group Inc #616903 Report a problem
        3/22/2014Price change$219,900-6.4%$207/sqft
        Source: Counts Real Estate Group Inc #616903 Report a problem
        2/7/2014Listed for sale$235,000$222/sqft
        Source: Counts Real Estate Group Inc #616903 Report a problem

        Public tax history

        YearProperty taxesTax 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

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        See how much you could borrow to make a competitive offer.

        Climate risks

        Neighborhood: Lower Grand Lagoon

        Getting around

        46 / 100
        Car-Dependent
        52 / 100
        Bikeable

        Nearby schools

        GreatSchools rating
        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.

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