For sale

Price cut: $4K (6/21)

$445,000

8610 Surf Dr Unit 307, Panama City Beach, FL 32408

2beds

1,000sqft

$3,973/mo

Get pre-qualified

Condominium

Built in 1987

-- sqft lot

$416,000 Zestimate^®

$445/sqft

$1,144/mo HOA

What's special

Private balconyGulf front unitCompletely remodeled and updatedTwo bedroomsTwo bathsGrilling stationsStacked washer and dryer

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 (no elevators) 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.

208 days
467
26

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 2
Bathrooms: 2
Full bathrooms: 2

Rooms

Room types: Living Room, Other

Living room

Level: First
Dimensions: 14 x 13

Other

Description: Main Bedroom
Level: First
Dimensions: 14 x 12

Other

Description: Kitchen/Dining Area
Level: First
Dimensions: 18 x 12

Heating

Central, Electric

Cooling

Central Air, Ceiling Fan(s)

Appliances

Included: Washer/Dryer Stacked, Electric Range, Electric Water Heater
Laundry: Stacked

Features

Balcony, See Remarks, Tub Shower

Interior area

Total structure area: 1,000
Total interior livable area: 1,000 sqft

Property

Parking

Parking features: Paved, Parking Lot

Features

Levels: Three Or More
Stories: 3
Patio & porch: Balcony
Has private pool: Yes
Pool features: Gunite, In Ground, Community, Private
Has view: Yes
View description: Gulf, Other, Water
Has water view: Yes
Water view: Gulf,Water
Waterfront features: Gulf, Shoreline - Sand, Shoreline - Natural
Frontage length: 190 for Complex

Lot

Features: Paved

Details

Additional structures: Gazebo
Parcel number: 30464081060
Zoning description: Resort
Special conditions: Listed As-Is

Construction

Type & style

Home type: Condo
Architectural style: Low Rise
Property subtype: Condominium

Materials

Stucco, Vinyl Siding, Wood Frame
Roof: Membrane,Metal

Condition

New construction: No
Year built: 1987

Utilities & green energy

Sewer: Public Sewer
Utilities for property: Cable Connected, Electricity Available

Community & HOA

Community

Features: Barbecue, Beach, Park, Pool, Waterfront, Short Term Rental Allowed
Security: Fire Alarm, Smoke Detector(s)
Subdivision: Whispering Seas

HOA

Has HOA: Yes
Amenities included: Beach Rights, Barbecue, Picnic Area
Services included: Association Management, Cable TV, Legal/Accounting, Maintenance Grounds, Maintenance Structure, Pool(s), Sewer, Trash, Water
HOA fee: $3,433 quarterly

Location

Region: Panama City Beach

Financial & listing details

Price per square foot: $445/sqft
Tax assessed value: $357,000
Annual tax amount: $3,320
Date on market: 2/1/2026
Cumulative days on market: 208 days
Electric utility on property: Yes

Estimated market value

$416,000

$395,000 - $437,000

$2,010/mo

Price history

Date	Event	Price
6/21/2026	Price change	$445,000-0.9%$445/sqft
Source: CPAR #784487 Report a problem
2/1/2026	Listed for sale	$449,000$449/sqft
Source: CPAR #784487 Report a problem
11/11/2025	Listing removed	$449,000$449/sqft
Source: CPAR #769593 Report a problem
3/1/2025	Listed for sale	$449,000+108.8%$449/sqft
Source: CPAR #769593 Report a problem
6/23/2003	Sold	$215,000$215/sqft
Source: Public Record Report a problem

Public tax history

Year	Property taxes	Tax assessment
2024	$3,429 +2%	$213,986 +10%
2023	$3,363 +19.1%	$194,533 +10%
2022	$2,823	$176,848
2021	--	--
2020	$2,290 -0.5%	$146,155 +10%
2019	$2,302	$132,868 +10%
2018	$2,302 +17.6%	$120,789 +10%
2017	$1,957 +12.1%	$109,808 +10%
2016	$1,746 +24.8%	$99,825 +10%
2015	$1,399	$90,750 +10%
2014	$1,399	$82,500 +10%
2013	--	$75,000
2012	--	$75,000 -35.4%
2011	--	$116,110 -12%
2010	--	$131,943 -12%
2009	--	$149,935 -21.5%
2008	--	$191,000 -20.7%
2007	--	$241,001
2006	--	$241,001
2005	--	$241,001 +115.2%
2004	--	$112,001
2003	--	$112,001
2002	--	$112,001
2001	--	$112,001
2000	--	$112,001