# 8205 Surf Drive, Panama City, FL 32408 > **TL;DR:** 6bd/5ba single family, $2,825,000 ($989/sqft), built 2013, 2,856 sqft. > Pool, Waterfront, A/C. Est. $15,109/mo. Listed 630 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $2,825,000 | | Price/sqft | $989 | | Bedrooms | 6 | | Bathrooms | 4 full, 1 half | | Square Feet | 2,856 | | Year Built | 2013 | | Lot Size | 6,098 sqft (0.14 acres) | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 630 | ## Why This Home Stands Out - **Pool** - Deck, Patio - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $14,285 | | Estimated Insurance | $824 | | **Total** | **$15,109** | ## Nearby Schools - **Elementary:** Patronis - **Middle:** Surfside - **High:** Arnold ## Key Amenities - Pool - Waterfront - A/C ## Property Highlights - Built in 2013 - 0.14 acre lot - Private pool - Waterfront ## Description ### Agent Description Gulf-Front Oasis with Private Saltwater Pool & Excellent Rental Income! This stunning 6-bedroom, 4.5-bath beachfront home offers the ultimate luxury coastal living experience, sitting directly on the sugar-white sands of Panama City Beach--zero steps to the beach! With approximately 2,850 sq. ft., this beautifully designed home provides expansive Gulf views from nearly every room. The open-concept floor plan features a nice kitchen and a spacious living room and dining area, perfect for large gatherings. The living area is bright and airy, with large windows that capture breathtaking sunset views over the Emerald Coast. The two king bedrooms on the main floor are en suite. Upstairs, the four bedrooms offer ample space for guests, each designed with comfort and relaxation in mind; they provide flexibility for families or rental guests, ensuring everyone has their own space to unwind. Step outside to over 1,800 sq. ft. of outdoor decking, including 450 sq. ft. of covered space, ideal for enjoying the soothing sound of the waves or escaping the midday sun. The private saltwater pool is the perfect place to cool off while taking in the unobstructed views of the Gulf of America. With ample parking for boats, motorcycles, or RVs, this home is designed for both relaxation and adventure. Whether you're looking for a primary residence, vacation home, or a high-income rental investment, this property delivers! Proven rental history makes it a turnkey investment opportunity, generating strong and consistent revenue. Located on Surf Drive, this home is just steps from Captain Jack's Crab Leg Buffet and minutes from some of the area's best dining and entertainment, including Schooner's, Grand Marlin and Captain Anderson's. Enjoy easy access to St. Andrews Bay, Shell Island, fishing charters, golf courses, and family attractions. This is your chance to own a piece of paradise on Panama City Beach--schedule your private showing today! $352263 on the books for 2025 and $340000+ for 2026 and over $100000 for 2027 (as of July 9, 2026) ## Location - **Address:** 8205 Surf Drive, Panama City, FL 32408 - **County:** Bay - **Neighborhood:** Bel Air - **Coordinates:** 30.162507, -85.784025 - **Google Maps:** https://www.google.com/maps?q=30.162507,-85.784025 ## Listing Agent - **Name:** Alexandra Gavrilash - **Brokerage:** Counts Real Estate Group Inc - **Broker Phone:** (850) 249-3615 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/8205-Surf-Dr_Panama-City-Beach_FL_32408_M53812-61534?f=listhub&s=BCARFL&m=769495&c=propsimple) ## Photos ![8205 Surf Drive - Photo 1](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f3601703367r.jpg) ![8205 Surf Drive - Photo 2](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f3599878574r.jpg) ![8205 Surf Drive - Photo 3](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f3081001486r.jpg) ![8205 Surf Drive - 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Photo 14](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f118687711r.jpg) ![8205 Surf Drive - Photo 15](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f1992005222r.jpg) ![8205 Surf Drive - Photo 16](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f2478444536r.jpg) ![8205 Surf Drive - Photo 17](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f4109230853r.jpg) ![8205 Surf Drive - Photo 18](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f4273451094r.jpg) ![8205 Surf Drive - Photo 19](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f2910543895r.jpg) ![8205 Surf Drive - Photo 20](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f2924184526r.jpg) ![8205 Surf Drive - Photo 21](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f3539063378r.jpg) ![8205 Surf Drive - Photo 22](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f2006223541r.jpg) ![8205 Surf Drive - Photo 23](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f2329084147r.jpg) ![8205 Surf Drive - 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Photo 74](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f914883068r.jpg) ![8205 Surf Drive - Photo 75](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f1000724124r.jpg) ![8205 Surf Drive - Photo 76](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f2039457049r.jpg) ![8205 Surf Drive - Photo 77](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f808342879r.jpg) ![8205 Surf Drive - Photo 78](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f776277659r.jpg) ![8205 Surf Drive - Photo 79](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f507404131r.jpg) ![8205 Surf Drive - Photo 80](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f1144282716r.jpg) ![8205 Surf Drive - Photo 81](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f1185766436r.jpg) ![8205 Surf Drive - Photo 82](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f1013322123r.jpg) ![8205 Surf Drive - Photo 83](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f2546779543r.jpg) ![8205 Surf Drive - Photo 84](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f3491674215r.jpg) ![8205 Surf Drive - Photo 85](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f347879734r.jpg) ![8205 Surf Drive - Photo 86](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f4028545507r.jpg) ![8205 Surf Drive - Photo 87](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f736928336r.jpg) ![8205 Surf Drive - Photo 88](http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f3887851586r.jpg) --- **MLS#:** 769495 | **Updated:** 2026-10-25 **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/8205-surf-drive-panama-city-fl-32408-3e072465392643bf92aa1f2a44b564e4) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/8205-surf-drive-panama-city-fl-32408-3e072465392643bf92aa1f2a44b564e4#listing", "url": "https://www.propertysimple.ai/listing/8205-surf-drive-panama-city-fl-32408-3e072465392643bf92aa1f2a44b564e4", "name": "8205 Surf Drive, Panama City, FL 32408", "description": "Gulf-Front Oasis with Private Saltwater Pool & Excellent Rental Income! This stunning 6-bedroom, 4.5-bath beachfront home offers the ultimate luxury coastal living experience, sitting directly on the sugar-white sands of Panama City Beach--zero steps to the beach! With approximately 2,850 sq. ft., this beautifully designed home provides expansive Gulf views from nearly every room. The open-concept floor plan features a nice kitchen and a spacious living room and dining area, perfect for large gatherings. The living area is bright and airy, with large windows that capture breathtaking sunset views over the Emerald Coast. The two king bedrooms on the main floor are en suite. Upstairs, the four bedrooms offer ample space for guests, each designed with comfort and relaxation in mind; they provide flexibility for families or rental guests, ensuring everyone has their own space to unwind. Step outside to over 1,800 sq. ft. of outdoor decking, including 450 sq. ft. of covered space, ideal for enjoying the soothing sound of the waves or escaping the midday sun. The private saltwater pool is the perfect place to cool off while taking in the unobstructed views of the Gulf of America. With ample parking for boats, motorcycles, or RVs, this home is designed for both relaxation and adventure. Whether you're looking for a primary residence, vacation home, or a high-income rental investment, this property delivers! Proven rental history makes it a turnkey investment opportunity, generating strong and consistent revenue. Located on Surf Drive, this home is just steps from Captain Jack's Crab Leg Buffet and minutes from some of the area's best dining and entertainment, including Schooner's, Grand Marlin and Captain Anderson's. Enjoy easy access to St. Andrews Bay, Shell Island, fishing charters, golf courses, and family attractions. This is your chance to own a piece of paradise on Panama City Beach--schedule your private showing today! $352263 on the books for 2025 and $340000+ for 2026 and over $100000 for 2027 (as of July 9, 2026)", "image": [ "http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f3601703367r.jpg", "http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f3599878574r.jpg", "http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f3081001486r.jpg", "http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f3911305861r.jpg", "http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f2181692812r.jpg", "http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f3189882374r.jpg", "http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f3722711946r.jpg", "http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f254077473r.jpg", "http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f1521603175r.jpg", "http://lh.rdcpix.com/697f24a729b09c49de4e8ce01df16993l-f627913213r.jpg", 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