Welcome to Ocean Terrace Condominiums! This adorable second-floor, one-bedroom, one-bath condo is located directly across the street from the Gulf of Mexico and offers beautiful Gulf views. The open-concept floor plan features a spacious breakfast bar with ample counter space for meal preparation, a pantry, and a dining area perfect for enjoying your morning coffee or evening meal. The living area includes a convenient Murphy bed, providing additional sleeping accommodations. Tile flooring extends throughout the main living areas, while the bedroom is carpeted. The bathroom features a walk-in shower.
Recent improvements include the replacement of all exterior windows with tinted, hurricane-rated windows, along with a new front entry door.
Community amenities include a Gulf-front swimming pool and a covered picnic pavilion overlooking the beach. Restaurants, local attractions, shopping, and entertainment are all just a short walk away, while St. Andrews State Park is only minutes away for boating, fishing, kayaking, hiking, and exploring one of the area's most scenic coastal parks.
Whether you're looking for a private beach retreat or a vacation rental opportunity, this turn-key ready condo offers beautiful Gulf views and a location that's just steps from the sugar-white sands of Panama City Beach.
For sale
$249,900
8618 Surf Dr #208, Panama City Beach, FL 32408
1beds
576sqft
Condominium
Built in 1982
-- sqft lot
$-- Zestimate®
$434/sqft
$541/mo HOA
What's special
Bedroom is carpetedOpen-concept floor planOffers beautiful gulf viewsNew front entry door
- 25 days
- 334
- 20
Zillow last checked:
Listing updated:
Listed by:
Darlene Tate 850-890-9309,
RC Real Estate Group
Source: CPAR,MLS#: 793632
Originating MLS: Central Panhandle Association of REALTORS
Originating MLS: Central Panhandle Association of REALTORSFacts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Rooms
- Room types: Bedroom, Dining Room, Full Bath, Kitchen, Living Room
Bedroom
- Level: First
- Dimensions: 8.33 x 13
Dining room
- Description: Dining Area
- Level: First
- Dimensions: 8.42 x 7.08
Other
- Level: First
- Dimensions: 7.5 x 4.75
Kitchen
- Level: First
- Dimensions: 11.17 x 9
Living room
- Level: First
- Dimensions: 18.75 x 9.58
Heating
- Central, Electric
Cooling
- Central Air, Ceiling Fan(s)
Appliances
- Included: Electric Range, Electric Water Heater
Features
- Shower Only
Interior area
- Total structure area: 576
- Total interior livable area: 576 sqft
Property
Parking
- Parking features: Paved, Parking Lot
Features
- Levels: Two
- Stories: 2
- Pool features: In Ground, Community
- Has view: Yes
- View description: Gulf
- Has water view: Yes
- Water view: Gulf
Lot
- Features: Paved
Details
- Parcel number: 30464300000
- Special conditions: Listed As-Is
Construction
Type & style
- Home type: Condo
- Architectural style: Low Rise
- Property subtype: Condominium
Condition
- New construction: No
- Year built: 1982
Utilities & green energy
- Sewer: Public Sewer
- Utilities for property: Cable Connected, Electricity Available
Community & HOA
Community
- Features: Pool, Community Pool, Short Term Rental Allowed
- Security: Smoke Detector(s)
- Subdivision: Ocean Terr. Condo.
HOA
- Has HOA: Yes
- Amenities included: Gazebo
- Services included: Cable TV, Insurance, Pest Control, Pool(s), Sewer, Water
- HOA fee: $1,622 quarterly
Location
- Region: Panama City Beach
Financial & listing details
- Price per square foot: $434/sqft
- Tax assessed value: $240,428
- Annual tax amount: $2,119
- Date on market: 8/6/2026
- Electric utility on property: Yes
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 8/6/2026 | Listed for sale | $249,900+150.2%$434/sqft |
Source:  CPAR #793632 Report a problem | ||
| 12/7/2011 | Listing removed | $99,900$173/sqft |
Source: Edgewater Beach Realty, Inc. #405822 Report a problem | ||
| 5/21/2011 | Listed for sale | $99,900$173/sqft |
Source: Edgewater Beach Realty, Inc. #405822 Report a problem | ||
| 3/16/2011 | Listing removed | $99,900$173/sqft |
Source: Listhub #405822 Report a problem | ||
| 3/13/2011 | Listed for sale | $99,900$173/sqft |
Source: Listhub #405822 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $2,062 +25.8% | $106,707 +10% |
| 2023 | $1,639 +21.7% | $97,006 +10% |
| 2022 | $1,347 | $88,187 |
| 2021 | -- | -- |
| 2020 | $997 +3.2% | $72,882 +10% |
| 2019 | $966 | $66,256 +10% |
| 2018 | $966 +2.4% | $60,233 +10% |
| 2017 | $944 +16.2% | $54,757 +10% |
| 2016 | $813 +14.4% | $49,779 +10% |
| 2015 | $711 | $45,254 +10% |
| 2014 | $711 | $41,140 +10% |
| 2013 | -- | $37,400 -27.9% |
| 2012 | -- | $51,850 |
| 2011 | -- | $51,850 -25.1% |
| 2010 | -- | $69,196 -12% |
| 2009 | -- | $78,632 -23% |
| 2008 | -- | $102,120 -13% |
| 2007 | -- | $117,446 -18% |
| 2006 | -- | $143,226 +8.5% |
| 2005 | -- | $132,001 +170.1% |
| 2004 | -- | $48,875 |
| 2003 | -- | $48,875 |
| 2002 | -- | $48,875 |
| 2001 | -- | $48,875 |
| 2000 | -- | $48,875 |
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.Climate risks
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.
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