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PendingPrice cut: $30K (8/8)
$425,000
2beds
1,102sqft

9900 Thomas Dr Unit 820, Panama City Beach, FL 32408

2beds
1,102sqft
Condominium
Built in 2007
1 Garage space
$386 price/sqft
$1,235/mo HOA

What's special

Direct gulf viewsSame-level deeded parkingBrand-new stainless steel appliances

DIRECT GULF VIEWS. SAME-LEVEL DEEDED PARKING. TURNKEY 2026 DESIGNER UPDATE. Shores of Panama Unit 820 is a beautifully updated Type L floor plan positioned in the highly desired 20 stack at Shores of Panama in Panama City Beach, Florida. Located on the 8th floor, this 2-bedroom, 2.5-bath condo also includes a private bunk room, creating three separate sleeping areas with accommodations for up to 8 guests. This desirable elevation sits above the palm trees while maintaining a strong connection to the beach, Gulf, and resort pool below. The 20 stack faces directly south, offering straight-on Gulf views and a front-row perspective over the expansive lagoon-style pool that has made Shores of Panama one of the most recognizable vacation resorts in Panama City Beach. Completely redecorated by a professional interior designer in 2026, this turnkey condo features fresh paint, all-new furniture, rugs, artwork, décor, lighting fixtures, and ceiling fans throughout. The fully equipped kitchen includes granite countertops and brand-new stainless steel appliances, while the open living area connects directly to the oversized balcony. One of the standout features of Unit 820 is the spacious 32-foot balcony, furnished with high-top Polywood furniture and positioned for exceptional Gulf, beach, and pool views. This outdoor space gives the condo the kind of front-row Panama City Beach experience that buyers often seek at Shores of Panama. The Gulf-front primary suite includes direct balcony access and beautiful water views. The guest bedroom and private bunk room add flexibility for owners and rental guests, while the stackable washer and dryer provide added convenience. Additional updates include a new HVAC system installed in 2024 and a water heater replaced in 2017. Unit 820 is being sold fully furnished and rental ready. A deeded parking space located on the same level as the condo, conveniently positioned near the elevator entrance, is a rare and highly desirable feature at Shores of Panama. Same-level parking adds meaningful convenience for owners and guests, especially in a large Gulf-front resort setting. Shores of Panama Resort is known for its expansive Gulf-front lagoon pool, one of the largest in Panama City Beach. The resort-style pool area features zero-entry access, palm-lined islands, fountains, a spacious hot tub, and direct private beachfront access. Additional amenities include an indoor heated pool and hot tub, 24-hour fitness center, and seasonal poolside Tiki bar. Located in the heart of Panama City Beach, Shores of Panama places dining, shopping, and entertainment nearby. Pineapple Willy's is adjacent to the resort, and Laketown Wharf directly across the street offers several dining, retail, and entertainment options, including Wharf Seafood Buffet, The Candymaker Ice Cream Shop, PCB Pizza, In Cahoots, The Press, The Bun Lab, 810 Billiards & Bowling, salon services, and more. Panama City Beach has also welcomed several newer attractions and entertainment venues, including Dolly Parton's Pirates Voyage Dinner & Show, Topgolf, McGuire's Irish Pub, and Tootsie's Orchid Lounge. HOA dues are $3,705.85 per quarter. All information is believed to be accurate but should be verified by buyers if important.

86 days
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403
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15
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Source: CPAR,MLS#: 790943MLS LogoOriginating MLS: Central Panhandle Association of REALTORS
Travel times

Living Room

Kitchen

Bedroom

Bedroom

Bunk Room

Covered Balcony

Zillow last checked:

Listing updated:

Listed by:

Alice de La Penha 850-771-3150,

Coldwell Banker Realty

Source: CPAR,MLS#: 790943MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

Facts & features

Interior

Bedrooms & bathrooms
  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
Rooms
  • Room types: Bedroom, Full Bath, Half Bath, Kitchen, Living Room, Primary Bathroom, Primary Bedroom, Other
Primary bedroom
  • Level: First
  • Dimensions: 15.1 x 11.4
Bedroom
  • Level: First
  • Dimensions: 15.1 x 10.2
Primary bathroom
  • Level: First
  • Dimensions: 9.5 x 8.11
Other
  • Level: First
  • Dimensions: 12 x 7.3
Other
  • Level: First
  • Dimensions: 5.6 x 7.7
Half bath
  • Level: First
  • Dimensions: 3.11 x 7.11
Kitchen
  • Level: First
  • Dimensions: 12.5 x 9.1
Living room
  • Level: First
  • Dimensions: 16.3 x 13.9
Other
  • Features: Balcony
  • Level: First
  • Dimensions: 32.6 x 6.6
Heating
  • Central, Electric
Cooling
  • Central Air
Appliances
  • Included: Washer/Dryer Stacked, Electric Oven, Electric Range, Electric Water Heater
  • Laundry: Stacked
Features
  • Main Level Primary, Smart Thermostat, Tub Shower
Interior area
  • Total structure area: 1,102
  • Total interior livable area: 1,102 sqft
Video & virtual tour

Property

Parking
  • Total spaces: 1
  • Parking features: Garage
  • Garage spaces: 1
Features
  • Patio & porch: Balcony
  • Pool features: Electric Heat, Indoor, In Ground, Community
  • Has view: Yes
  • View description: Gulf, Water
  • Has water view: Yes
  • Water view: Gulf,Water
  • Waterfront features: Gulf
Details
  • Parcel number: 40000675092
  • Zoning description: Resid Multi-Family

Construction

Type & style
  • Home type: Condo
  • Architectural style: High Rise
  • Property subtype: Condominium
  • Attached to another structure: Yes
Condition
  • New construction: No
  • Year built: 2007

Utilities & green energy

  • Sewer: Public Sewer
  • Utilities for property: Cable Connected, Electricity Available, High Speed Internet Available

Community & HOA

Community
  • Features: Barbecue, Beach, Business Center, Clubhouse, Elevator, Fitness Center, Playground, Park, Pool, Shopping, Waterfront, Community Pool, Short Term Rental Allowed
  • Security: Fire Sprinkler System, Security Gate, 24 Hour Security, Security Guard
  • Subdivision: Shores Of Panama
HOA
  • Has HOA: Yes
  • Amenities included: Other, See Remarks, Beach Rights, Barbecue
  • Services included: Association Management, Cable TV, Fitness Facility, Insurance, Internet, Legal/Accounting, Maintenance Grounds, Pool(s), Sewer, Water
  • HOA fee: $3,706 quarterly
Location
  • Region: Panama City Beach

Financial & listing details

  • Price per square foot: $386/sqft
  • Tax assessed value: $444,125
  • Annual tax amount: $4,727
  • Date on market: 6/7/2026
  • Cumulative days on market: 86 days
  • Electric utility on property: Yes

Price history

DateEventPrice
8/21/2026Pending sale$425,000$386/sqft
Source: CPAR #790943 Report a problem
8/8/2026Price change$425,000-6.6%$386/sqft
Source: CPAR #790943 Report a problem
6/30/2026Price change$455,000-2.2%$413/sqft
Source: CPAR #790943 Report a problem
6/7/2026Listed for sale$465,000-12.1%$422/sqft
Source: CPAR #790943 Report a problem
1/12/2023Listing removed--
Source: CPAR #729300 Report a problem
9/7/2022Price change$529,000-3.8%$480/sqft
Source: CPAR #729300 Report a problem
7/18/2022Price change$550,000-12%$499/sqft
Source: CPAR #729300 Report a problem
7/11/2022Listed for sale$625,000$567/sqft
Source: CPAR #729300 Report a problem

Public tax history

YearProperty taxesTax assessment
2024$4,879 +3.6%$322,435 +10%
2023$4,710 +32.5%$293,123 +10%
2022$3,555 $266,475
2021-- --
2020$3,300 +9.5%$266,900 +9%
2019$3,015 $244,970 +10%
2018$3,015 +8.9%$222,700 -6.4%
2017$2,769 +2.2%$238,000 -0.3%
2016$2,710 -2.1%$238,638 +3%
2015$2,769 $231,625 +7.4%
2014$2,769 $215,688 -0.5%
2013-- $216,750 +2%
2012-- $212,500
2011-- $212,500
2010-- $212,500 -34.9%
2009-- $326,192 -20.5%
2008-- $410,295

Find assessor info on the county website

Monthly payment

Est. payment
$3,889/mo
Principal & interest
$2204
HOA Fees
$1235
Property taxes
$450
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Estimated market value

$406,300

$386,000 - $427,000

$2,604/mo

Climate risks

Explore flood, wildfire, and other predictive climate risk information for this property on First Street®️.

Neighborhood: 32408

Nearby schools

Breakfast Point Academy
Grades PK-81 miles
7/10
GreatSchools® Rating
Test Score Rating
7/10
Student Progress Rating
6/10
J.R. Arnold High School
Grades 9-122 miles
4/10
GreatSchools® Rating
Test Score Rating
5/10
College Readiness Rating
6/10
Student Progress Rating
2/10