# 8221 Surf Drive, Panama City, FL 32408

> **TL;DR:** 8bd/8ba single family, $3,500,000 ($658/sqft), built 1999, 5,320 sqft.
> Pool, Waterfront, A/C. Est. $15,167/mo. Listed 39 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $3,500,000 |
| Price/sqft | $658 |
| Bedrooms | 8 |
| Bathrooms | 8 full |
| Square Feet | 5,320 |
| Year Built | 1999 |
| Lot Size | 7,405 sqft (0.17 acres) |
| Stories | 2 |
| Property Type | Single Family (Single Family Residence) |
| Status | For Sale |
| Days on Market | 39 |

## Why This Home Stands Out

- **Pool** - Deck
- **Waterfront** - Direct water access

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Mortgage (20% down, 6.5%) | $15,167 |
| **Total** | **$15,167** |

## Nearby Schools

- **Elementary:** Patronis
- **Middle:** Surfside
- **High:** Arnold

## Key Amenities

- Pool
- Waterfront
- A/C

## Property Highlights

- Built in 1999
- 0.17 acre lot
- 2 stories
- Private pool
- Waterfront

## Description

### Agent Description
An exceptional Gulf-front investment opportunity where luxury meets income potential. With more than $330,000 in proven rental income in 2025. This stunning coastal property features four beautifully appointed two-bedroom units, offering a total of 8 bedrooms and 8 full bathrooms, all thoughtfully designed to maximize comfort, style, and revenue. Perfectly positioned directly on the Gulf, the property showcases breathtaking Panama City Beach sunsets and uninterrupted water views from private balconies for every unit, creating an unforgettable experience for guests and owners alike. A Gulf-front pool provides the ultimate setting for relaxation, while the pristine white sand beach is just steps away. Inside, each residence is finished with upscale coastal touches, including gorgeous white oak luxury vinyl plank flooring, open-concept kitchens, and striking shiplap ceilings that enhance the bright, airy atmosphere throughout. The layout of each unit is designed for both functionality and entertaining, making it ideal for short-term rentals or multi-family use. On the ground level, covered parking beneath the home offers both convenience and additional entertainment space, complete with grilling areas, tables, games, and gathering spots--perfect for hosting guests and creating memorable beachside experiences. With rental projections reaching as high as $385,000 per year, this property presents a rare opportunity to own a premier Gulf-front income-producing asset in one of Panama City Beach's most desirable locations. Whether you're expanding your portfolio or seeking a luxury coastal retreat with exceptional returns, this one-of-a-kind property delivers the perfect blend of location, lifestyle, and long-term value.

## Location

- **Address:** 8221 Surf Drive, Panama City, FL 32408
- **County:** Bay
- **Neighborhood:** Sugar Shack Condo
- **Coordinates:** 30.162938, -85.784678
- **Google Maps:** https://www.google.com/maps?q=30.162938,-85.784678

## Virtual Tour & Media

- **Video Tour:** https://app.cloudpano.com/tours/_d6kvWK46?mls=1

## Listing Agent

- **Name:** The Jarrett Group
- **Brokerage:** Keller Williams Success Realty
- **Phone:** 8502795911
- **Email:** Transactions@soldinnwfl.com

## Primary Photo

![8221 Surf Drive - Primary Photo](http://lh.rdcpix.com/06d1b5c150214c418dc98bb9442fc7f7l-f2957068041r.jpg)

*88 total photos available on [listing page](https://www.propertysimple.com/listing/8221-surf-drive-panama-city-fl-32408-l789630)*

---

**MLS#:** 789630 | **Updated:** 2026-06-18
**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.com/listing/8221-surf-drive-panama-city-fl-32408-l789630)

---

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