About This Home

This 1-bedroom, 1-bathroom condo at 8618 Surf Drive #208 in Panama City Beach, FL is listed for $224,900 ($390 per sqft). Built in 1982, the home offers 576 sqft of living space on a N/A lot.

Key Features

  • Built in 1982
  • 2 stories

Property Details

2 stories
1 full
#208
1982

Amenities

A/C
Listing Description

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.

Monthly Cost Estimate

$2,825/mo

20% down · 6.5% · 30 years

Principal$163
Interest$975
Insurance$66
HOA$1,622

Estimates only. Actual payments may vary.

Location

8618 Surf Drive #208

Panama City Beach, FL 32408

Ocean Terr. Condo.

Features & Amenities

Interior Features

ShowerOnly

Property Details

Parking

Parking Lot

Heating

CentralElectric (Heating)

Cooling

Central AirCeiling Fan(s)

Appliances

ElectricRangeElectricWaterHeater

Questions & Answers

This 1-bedroom, 1-bathroom condo at 8618 Surf Drive is listed at $224,900 ($390/sqft). The estimated monthly payment is $2,825 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $1622/month.

Key features include: Built in 1982, 2 stories. Interior Features: ShowerOnly.

This property is listed by Darlene Tate.

DT

Darlene Tate

License 3234120

Agent at RC Real Estate Group

Listed by RC Real Estate Group · Broker phone: (850) 249-6100 · View on Broker Site · Broker website

MLS# 793632· Source: Central Panhandle Association of REALTORS· 83 days on PropertySimple

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.

8618 Surf Drive #208, Panama City Beach, FL 32408

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