# 8618 Surf Drive #208, Panama City Beach, FL 32408 > **TL;DR:** 1bd/1ba condo, $224,900 ($390/sqft), built 1982, 576 sqft. > A/C. Est. $2,825/mo. Listed 87 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $224,900 | | Price/sqft | $390 | | Bedrooms | 1 | | Bathrooms | 1 full | | Square Feet | 576 | | Year Built | 1982 | | Stories | 2 | | Property Type | Condo (Condominium) | | Status | Active | | Days on Market | 87 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,137 | | Estimated Insurance | $66 | | HOA | $1,622 | | **Total** | **$2,825** | ## Nearby Schools - **Elementary:** Breakfast Point - **Middle:** Breakfast Point - **High:** Arnold ## Key Amenities - A/C ## Property Highlights - Built in 1982 - 2 stories ## Description ### Agent 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. ## Location - **Address:** 8618 Surf Drive #208, Panama City Beach, FL 32408 - **County:** Bay - **Neighborhood:** Ocean Terr. Condo. - **Coordinates:** 30.166371, -85.78916 - **Google Maps:** https://www.google.com/maps?q=30.166371,-85.78916 ## Listing Agent - **Name:** Darlene Tate · **License:** 3234120 - **Brokerage:** RC Real Estate Group - **Broker Phone:** (850) 249-6100 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/8618-Surf-Dr-208_Panama-City-Beach_FL_32408_M58088-68141?f=listhub&s=BCARFL&m=793632&c=propsimple) ## Photos ![8618 Surf Drive #208 - Photo 1](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f4239318858r.jpg) ![8618 Surf Drive #208 - Photo 2](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f581007368r.jpg) ![8618 Surf Drive #208 - Photo 3](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f3264347823r.jpg) ![8618 Surf Drive #208 - Photo 4](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f2465652690r.jpg) ![8618 Surf Drive #208 - Photo 5](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f348624967r.jpg) ![8618 Surf Drive #208 - Photo 6](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f3255739420r.jpg) ![8618 Surf Drive #208 - Photo 7](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f2993700900r.jpg) ![8618 Surf Drive #208 - Photo 8](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f1668007456r.jpg) ![8618 Surf Drive #208 - Photo 9](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f2016353554r.jpg) ![8618 Surf Drive #208 - Photo 10](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f1614558009r.jpg) ![8618 Surf Drive #208 - Photo 11](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f587780120r.jpg) ![8618 Surf Drive #208 - Photo 12](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f3952583052r.jpg) ![8618 Surf Drive #208 - Photo 13](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f1059563371r.jpg) ![8618 Surf Drive #208 - Photo 14](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f2763050634r.jpg) ![8618 Surf Drive #208 - Photo 15](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f3628272081r.jpg) ![8618 Surf Drive #208 - Photo 16](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f3190280656r.jpg) ![8618 Surf Drive #208 - Photo 17](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f387109268r.jpg) ![8618 Surf Drive #208 - Photo 18](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f50626020r.jpg) ![8618 Surf Drive #208 - Photo 19](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f355526769r.jpg) ![8618 Surf Drive #208 - Photo 20](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f2909600701r.jpg) ![8618 Surf Drive #208 - Photo 21](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f4257679547r.jpg) ![8618 Surf Drive #208 - Photo 22](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f917553287r.jpg) ![8618 Surf Drive #208 - Photo 23](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f172623940r.jpg) ![8618 Surf Drive #208 - Photo 24](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f1551150379r.jpg) ![8618 Surf Drive #208 - Photo 25](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f2623020025r.jpg) ![8618 Surf Drive #208 - Photo 26](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f3485988671r.jpg) ![8618 Surf Drive #208 - Photo 27](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f1822429863r.jpg) ![8618 Surf Drive #208 - Photo 28](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f3083655650r.jpg) ![8618 Surf Drive #208 - Photo 29](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f3559514897r.jpg) ![8618 Surf Drive #208 - Photo 30](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f2693336272r.jpg) ![8618 Surf Drive #208 - Photo 31](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f1116095831r.jpg) ![8618 Surf Drive #208 - Photo 32](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f2506479051r.jpg) ![8618 Surf Drive #208 - Photo 33](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f1369069230r.jpg) ![8618 Surf Drive #208 - Photo 34](http://lh.rdcpix.com/5a9de1fa3a13b6443580ce2e6df95ff9l-f540401193r.jpg) --- **MLS#:** 793632 | **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/8618-surf-drive-panama-city-beach-fl-32408-121a33d1caef42dbb4e75e5003828ab5) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/8618-surf-drive-panama-city-beach-fl-32408-121a33d1caef42dbb4e75e5003828ab5#listing", "url": "https://www.propertysimple.ai/listing/8618-surf-drive-panama-city-beach-fl-32408-121a33d1caef42dbb4e75e5003828ab5", "name": "8618 Surf Drive #208, Panama City Beach, FL 32408", "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. 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