# 7428 Thomas Drive, Panama City Beach, FL 32408 > **TL;DR:** 4bd/4ba single family, $929,500 ($391/sqft), built 2005, 2,375 sqft. > Pool, Fireplace, A/C. Est. $4,971/mo. Listed 283 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $929,500 | | Price/sqft | $391 | | Bedrooms | 4 | | Bathrooms | 3 full, 1 half | | Square Feet | 2,375 | | Year Built | 2005 | | Lot Size | 3,049 sqft (0.07 acres) | | Stories | 3 | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 283 | ## Why This Home Stands Out - **Pool** - Porch, Deck, Patio ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $4,700 | | Estimated Insurance | $271 | | **Total** | **$4,971** | ## Nearby Schools - **Elementary:** Patronis - **Middle:** Surfside - **High:** Arnold ## Key Amenities - Pool - Fireplace - A/C ## Property Highlights - Built in 2005 - 0.07 acre lot - 3 stories - Private pool - Fireplace ## Description ### Agent Description Located directly across Thomas Drive from Rick Seltzer Park, this fully furnished three-story beach home offers exceptional short-term rental appeal in one of the most desirable areas of Panama City Beach. Positioned just steps from dedicated public beach frontage with lifeguards, showers, parking, and convenient Gulf access, the property is ideally suited for vacationers seeking walkability, beach convenience, and accommodations for large groups. Gulf views are protected by the park frontage, enhancing long-term value and guest appeal. Designed with income-producing potential in mind, this 4-bedroom, 3.5-bath property features a flexible multi-level layout capable of accommodating up to 16 guests comfortably. Popular rental features include multiple custom-built bunk areas, spacious entertainment zone, private outdoor spaces, and a heated saltwater pool, amenities consistently sought after by vacation renters in the Panama City Beach market. The first floor includes custom-built queen-over-queen bunk beds with integrated lighting and USB charging stations adjacent to a full bath. The second-floor primary suite features a king bed, private balcony with Gulf views, jacuzzi tub, walk-in closet, and ensuite bath. An additional second-floor suite includes more custom queen-over-queen bunks with its own full bath. The third-floor entertainment level offers vaulted ceilings, wet bar with sink and mini fridge, sleeper sofa, half bath, custom full-size bunk beds, and direct access to a large rooftop-style deck with Gulf views and abundant lounge space. The main living area offers 10-foot ceilings, crown molding, tile flooring, fireplace, abundant natural light, and an open-concept design ideal for gathering large groups. The kitchen features granite countertops, stainless steel appliances, wood cabinetry, breakfast bar seating, and a walk-in pantry. Outdoor amenities continue to enhance the property's rental desirability with a private fenced backyard, heated saltwater pool, multiple balconies, and a 25-foot rooftop observation deck overlooking the Gulf. Pool equipment includes a Wi-Fi-controlled Circupool salt generator, Hayward 2500 heater, and sand filter system. Additional upgrades and features include over $50,000 in recent improvements, brand-new composite decking, new roof section beneath the decking, Navien gas tankless water heater, aluminum hurricane shutters, laundry room with washer and dryer, and parking for 4 vehicles. Previously operated as a short-term vacation rental with strong historical income potential, this turnkey property offers an excellent opportunity for investors seeking a high-capacity beach rental in a prime location near Panama City Beach attractions, dining, shopping, and entertainment. ## Location - **Address:** 7428 Thomas Drive, Panama City Beach, FL 32408 - **County:** Bay - **Neighborhood:** Holiday Beach Unit 16 - **Coordinates:** 30.160558, -85.777833 - **Google Maps:** https://www.google.com/maps?q=30.160558,-85.777833 ## Listing Agent - **Name:** Dennis M Dunnigan · **License:** 3316049 - **Brokerage:** Coastal Choice Realty, LLC - **Broker Phone:** (850) 215-4160 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/7428-Thomas-Dr_Panama-City-Beach_FL_32408_M52565-78497?f=listhub&s=BCARFL&m=784109&c=propsimple) ## Photos ![7428 Thomas Drive - Photo 1](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f1509895915r.jpg) ![7428 Thomas Drive - Photo 2](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f810283679r.jpg) ![7428 Thomas Drive - Photo 3](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f2370569141r.jpg) ![7428 Thomas Drive - Photo 4](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f3104742438r.jpg) ![7428 Thomas Drive - Photo 5](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f4188945526r.jpg) ![7428 Thomas Drive - Photo 6](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f197420449r.jpg) ![7428 Thomas Drive - Photo 7](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f3963735947r.jpg) ![7428 Thomas Drive - Photo 8](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f3579562324r.jpg) ![7428 Thomas Drive - Photo 9](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f2315417020r.jpg) ![7428 Thomas Drive - Photo 10](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f3103381839r.jpg) ![7428 Thomas Drive - Photo 11](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f812521383r.jpg) ![7428 Thomas Drive - Photo 12](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f913819527r.jpg) ![7428 Thomas Drive - Photo 13](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f184172533r.jpg) ![7428 Thomas Drive - Photo 14](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f2894796745r.jpg) ![7428 Thomas Drive - Photo 15](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f2214706479r.jpg) ![7428 Thomas Drive - Photo 16](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f2942191302r.jpg) ![7428 Thomas Drive - Photo 17](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f1821070412r.jpg) ![7428 Thomas Drive - Photo 18](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f3007453486r.jpg) ![7428 Thomas Drive - Photo 19](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f1986637399r.jpg) ![7428 Thomas Drive - Photo 20](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f1297607244r.jpg) ![7428 Thomas Drive - Photo 21](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f1120191365r.jpg) ![7428 Thomas Drive - Photo 22](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f886178150r.jpg) ![7428 Thomas Drive - Photo 23](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f2788478813r.jpg) ![7428 Thomas Drive - Photo 24](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f3263870039r.jpg) ![7428 Thomas Drive - Photo 25](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f3984654265r.jpg) ![7428 Thomas Drive - Photo 26](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f3722577540r.jpg) ![7428 Thomas Drive - Photo 27](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f2495040835r.jpg) ![7428 Thomas Drive - Photo 28](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f2636151895r.jpg) ![7428 Thomas Drive - Photo 29](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f1288190557r.jpg) ![7428 Thomas Drive - Photo 30](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f242727230r.jpg) ![7428 Thomas Drive - Photo 31](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f2008817305r.jpg) ![7428 Thomas Drive - Photo 32](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f4097341551r.jpg) ![7428 Thomas Drive - Photo 33](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f835460018r.jpg) ![7428 Thomas Drive - Photo 34](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f1926269992r.jpg) ![7428 Thomas Drive - Photo 35](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f2081510520r.jpg) ![7428 Thomas Drive - Photo 36](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f2936196528r.jpg) ![7428 Thomas Drive - Photo 37](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f325934556r.jpg) ![7428 Thomas Drive - Photo 38](http://lh.rdcpix.com/121143d6f0d3a55192372e3fc0cfdce2l-f1383726541r.jpg) --- **MLS#:** 784109 | **Updated:** 2026-10-27 **Source:** listhub *Copyright © 2026 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/7428-thomas-drive-panama-city-beach-fl-32408-df237919567e448f87c0c47dd1cfbd17) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/7428-thomas-drive-panama-city-beach-fl-32408-df237919567e448f87c0c47dd1cfbd17#listing", "url": "https://www.propertysimple.ai/listing/7428-thomas-drive-panama-city-beach-fl-32408-df237919567e448f87c0c47dd1cfbd17", "name": "7428 Thomas Drive, Panama City Beach, FL 32408", "description": "Located directly across Thomas Drive from Rick Seltzer Park, this fully furnished three-story beach home offers exceptional short-term rental appeal in one of the most desirable areas of Panama City Beach. Positioned just steps from dedicated public beach frontage with lifeguards, showers, parking, and convenient Gulf access, the property is ideally suited for vacationers seeking walkability, beach convenience, and accommodations for large groups. Gulf views are protected by the park frontage, enhancing long-term value and guest appeal. Designed with income-producing potential in mind, this 4-bedroom, 3.5-bath property features a flexible multi-level layout capable of accommodating up to 16 guests comfortably. Popular rental features include multiple custom-built bunk areas, spacious entertainment zone, private outdoor spaces, and a heated saltwater pool, amenities consistently sought after by vacation renters in the Panama City Beach market. The first floor includes custom-built queen-over-queen bunk beds with integrated lighting and USB charging stations adjacent to a full bath. The second-floor primary suite features a king bed, private balcony with Gulf views, jacuzzi tub, walk-in closet, and ensuite bath. An additional second-floor suite includes more custom queen-over-queen bunks with its own full bath. The third-floor entertainment level offers vaulted ceilings, wet bar with sink and mini fridge, sleeper sofa, half bath, custom full-size bunk beds, and direct access to a large rooftop-style deck with Gulf views and abundant lounge space. The main living area offers 10-foot ceilings, crown molding, tile flooring, fireplace, abundant natural light, and an open-concept design ideal for gathering large groups. The kitchen features granite countertops, stainless steel appliances, wood cabinetry, breakfast bar seating, and a walk-in pantry. Outdoor amenities continue to enhance the property's rental desirability with a private fenced backyard, heated saltwater pool, multiple balconies, and a 25-foot rooftop observation deck overlooking the Gulf. Pool equipment includes a Wi-Fi-controlled Circupool salt generator, Hayward 2500 heater, and sand filter system. Additional upgrades and features include over $50,000 in recent improvements, brand-new composite decking, new roof section beneath the decking, Navien gas tankless water heater, aluminum hurricane shutters, laundry room with washer and dryer, and parking for 4 vehicles. 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