# 8618 Surf Drive #206, Panama City Beach, FL 32408 > **TL;DR:** 1bd/1ba condo, $265,000 ($460/sqft), built 1982, 576 sqft. > Waterfront, A/C. Est. $2,839/mo. Listed 86 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $265,000 | | Price/sqft | $460 | | Bedrooms | 1 | | Bathrooms | 1 full | | Square Feet | 576 | | Year Built | 1982 | | Stories | 2 | | Property Type | Condo (Condominium) | | Status | Active | | Days on Market | 86 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,340 | | Estimated Insurance | $77 | | HOA | $1,422 | | **Total** | **$2,839** | ## Nearby Schools - **Elementary:** Breakfast Point - **Middle:** Breakfast Point - **High:** Arnold ## Key Amenities - Waterfront - A/C ## Property Highlights - Built in 1982 - 2 stories - Waterfront ## Description ### Agent Description Welcome to this charming, updated 1-bedroom, 1-bath condominium at Ocean Terrace Condominiums in Panama City Beach. Located in a low-density, two-story Gulf-side community, this beautifully maintained unit is just steps from the sugar-white sands and emerald waters of the Gulf of Mexico. Inside, you'll find a tastefully updated kitchen featuring stainless steel appliances, a tile backsplash, updated cabinetry and countertops, as well as attractive plank tile flooring throughout. The bathroom has been updated with a beautifully tiled, glass-enclosed shower and vanity, adding a modern touch to the space. A portion of the living area is currently being utilized as flexible space and is arranged as an additional sleeping area, providing added versatility for owners and guests. Community amenities include a Gulf-front swimming pool and a covered pavilion with picnic tables, offering the perfect spot to relax after a day at the beach. The convenient location places you within walking distance of restaurants, shopping, and entertainment, while nearby St. Andrews State Park offers opportunities for boating, fishing, kayaking, hiking, and enjoying Florida's natural beauty. Whether you're looking for a vacation getaway, investment property, or your own beach retreat, this turn-key ready condo combines tasteful updates with an unbeatable location. ## Location - **Address:** 8618 Surf Drive #206, Panama City Beach, FL 32408 - **County:** Bay - **Neighborhood:** Ocean Terr. Condo. - **Coordinates:** 30.165813, -85.789379 - **Google Maps:** https://www.google.com/maps?q=30.165813,-85.789379 ## 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-206_Panama-City-Beach_FL_32408_M52491-25308?f=listhub&s=BCARFL&m=793610&c=propsimple) ## Photos ![8618 Surf Drive #206 - Photo 1](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f2285360659r.jpg) ![8618 Surf Drive #206 - Photo 2](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1388523014r.jpg) ![8618 Surf Drive #206 - Photo 3](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f4073552230r.jpg) ![8618 Surf Drive #206 - Photo 4](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f580870507r.jpg) ![8618 Surf Drive #206 - Photo 5](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3571612600r.jpg) ![8618 Surf Drive #206 - Photo 6](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f954979165r.jpg) ![8618 Surf Drive #206 - Photo 7](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3009241116r.jpg) ![8618 Surf Drive #206 - Photo 8](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1534484480r.jpg) ![8618 Surf Drive #206 - Photo 9](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f353921827r.jpg) ![8618 Surf Drive #206 - Photo 10](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f382829393r.jpg) ![8618 Surf Drive #206 - Photo 11](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3439211103r.jpg) ![8618 Surf Drive #206 - Photo 12](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1345088694r.jpg) ![8618 Surf Drive #206 - Photo 13](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f4183654489r.jpg) ![8618 Surf Drive #206 - Photo 14](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1034948583r.jpg) ![8618 Surf Drive #206 - Photo 15](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1275977068r.jpg) ![8618 Surf Drive #206 - Photo 16](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1834468510r.jpg) ![8618 Surf Drive #206 - Photo 17](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3334350943r.jpg) ![8618 Surf Drive #206 - Photo 18](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f516409602r.jpg) ![8618 Surf Drive #206 - Photo 19](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3559514897r.jpg) ![8618 Surf Drive #206 - Photo 20](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f2623020025r.jpg) ![8618 Surf Drive #206 - Photo 21](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3336653411r.jpg) ![8618 Surf Drive #206 - Photo 22](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1494857220r.jpg) ![8618 Surf Drive #206 - Photo 23](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1116095831r.jpg) ![8618 Surf Drive #206 - Photo 24](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f2435118464r.jpg) ![8618 Surf Drive #206 - Photo 25](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1369069230r.jpg) ![8618 Surf Drive #206 - Photo 26](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f540401193r.jpg) ![8618 Surf Drive #206 - Photo 27](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1630081125r.jpg) ![8618 Surf Drive #206 - Photo 28](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3524658800r.jpg) ![8618 Surf Drive #206 - Photo 29](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3059213275r.jpg) ![8618 Surf Drive #206 - Photo 30](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3996642674r.jpg) ![8618 Surf Drive #206 - Photo 31](http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3083655650r.jpg) --- **MLS#:** 793610 | **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-e1288e9fa1fe4da9b9d5e2083256de29) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/8618-surf-drive-panama-city-beach-fl-32408-e1288e9fa1fe4da9b9d5e2083256de29#listing", "url": "https://www.propertysimple.ai/listing/8618-surf-drive-panama-city-beach-fl-32408-e1288e9fa1fe4da9b9d5e2083256de29", "name": "8618 Surf Drive #206, Panama City Beach, FL 32408", "description": "Welcome to this charming, updated 1-bedroom, 1-bath condominium at Ocean Terrace Condominiums in Panama City Beach. Located in a low-density, two-story Gulf-side community, this beautifully maintained unit is just steps from the sugar-white sands and emerald waters of the Gulf of Mexico. Inside, you'll find a tastefully updated kitchen featuring stainless steel appliances, a tile backsplash, updated cabinetry and countertops, as well as attractive plank tile flooring throughout. The bathroom has been updated with a beautifully tiled, glass-enclosed shower and vanity, adding a modern touch to the space. A portion of the living area is currently being utilized as flexible space and is arranged as an additional sleeping area, providing added versatility for owners and guests. Community amenities include a Gulf-front swimming pool and a covered pavilion with picnic tables, offering the perfect spot to relax after a day at the beach. The convenient location places you within walking distance of restaurants, shopping, and entertainment, while nearby St. Andrews State Park offers opportunities for boating, fishing, kayaking, hiking, and enjoying Florida's natural beauty. Whether you're looking for a vacation getaway, investment property, or your own beach retreat, this turn-key ready condo combines tasteful updates with an unbeatable location.", "image": [ "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f2285360659r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1388523014r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f4073552230r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f580870507r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3571612600r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f954979165r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3009241116r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1534484480r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f353921827r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f382829393r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3439211103r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1345088694r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f4183654489r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1034948583r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1275977068r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1834468510r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3334350943r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f516409602r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3559514897r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f2623020025r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3336653411r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1494857220r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1116095831r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f2435118464r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1369069230r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f540401193r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1630081125r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3524658800r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3059213275r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3996642674r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3083655650r.jpg" ], "primaryImageOfPage": { "@type": "ImageObject", "url": "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f2285360659r.jpg", "caption": "8618 Surf Drive #206 - Panama City Beach, FL" }, "datePosted": "2026-08-05", "dateModified": "2026-10-25T22:49:03.495Z", "mainEntity": { "@type": "Accommodation", "@id": "https://www.propertysimple.ai/listing/8618-surf-drive-panama-city-beach-fl-32408-e1288e9fa1fe4da9b9d5e2083256de29#property", "name": "8618 Surf Drive #206, Panama City Beach, FL 32408", "address": { "@type": "PostalAddress", "streetAddress": "8618 Surf Drive #206", "addressLocality": "Panama City Beach", "addressRegion": "FL", "postalCode": "32408", "addressCountry": "US" }, "geo": { "@type": "GeoCoordinates", "latitude": 30.165813, "longitude": -85.789379 }, "image": [ "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f2285360659r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1388523014r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f4073552230r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f580870507r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3571612600r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f954979165r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3009241116r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1534484480r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f353921827r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f382829393r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3439211103r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1345088694r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f4183654489r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1034948583r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1275977068r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1834468510r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3334350943r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f516409602r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3559514897r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f2623020025r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3336653411r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1494857220r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1116095831r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f2435118464r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1369069230r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f540401193r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f1630081125r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3524658800r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3059213275r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3996642674r.jpg", "http://lh.rdcpix.com/62d2e7c9949a94a3f8acf21562476471l-f3083655650r.jpg" ], "identifier": { "@type": "PropertyValue", "propertyID": "MLS", "value": "793610" }, "accommodationCategory": "Condominium", "numberOfBedrooms": 1, "numberOfBathroomsTotal": 1, "numberOfFullBathrooms": 1, "floorSize": { "@type": "QuantitativeValue", "value": 576, "unitCode": "FTK", "unitText": "square feet" }, "yearBuilt": 1982, "amenityFeature": [ { "@type": "LocationFeatureSpecification", "name": "Heating", "value": "Central, Electric (Heating)" }, { "@type": "LocationFeatureSpecification", "name": "Cooling", "value": "Central Air, Ceiling Fan(s)" }, { "@type": "LocationFeatureSpecification", "name": "Appliances", "value": "ElectricRange, ElectricWaterHeater" }, { "@type": "LocationFeatureSpecification", "name": "Parking Features", "value": "Parking Lot" }, { "@type": "LocationFeatureSpecification", "name": "Waterfront", "value": true }, { "@type": "LocationFeatureSpecification", "name": "Air Conditioning", "value": true } ], "additionalProperty": [ { "@type": "PropertyValue", "name": "Stories", "value": 2 }, { "@type": "PropertyValue", "name": "Unit Number", "value": "206" }, { "@type": "PropertyValue", "name": "Property Subtype", "value": "Condominium" } ] }, "offers": { "@type": "Offer", "@id": "https://www.propertysimple.ai/listing/8618-surf-drive-panama-city-beach-fl-32408-e1288e9fa1fe4da9b9d5e2083256de29#offer", "url": "https://www.propertysimple.ai/listing/8618-surf-drive-panama-city-beach-fl-32408-e1288e9fa1fe4da9b9d5e2083256de29", "price": 265000, "priceCurrency": "USD", "businessFunction": "http://purl.org/goodrelations/v1#Sell", "availability": "https://schema.org/InStock", "seller": { "@id": "https://www.propertysimple.ai/listing/8618-surf-drive-panama-city-beach-fl-32408-e1288e9fa1fe4da9b9d5e2083256de29#agent" } }, "provider": { "@type": "Person", "@id": "https://www.propertysimple.ai/listing/8618-surf-drive-panama-city-beach-fl-32408-e1288e9fa1fe4da9b9d5e2083256de29#agent", "name": "Darlene Tate", "worksFor": { "@type": "Organization", "@id": "https://www.propertysimple.ai/listing/8618-surf-drive-panama-city-beach-fl-32408-e1288e9fa1fe4da9b9d5e2083256de29#brokerage", "name": "RC Real Estate Group", "telephone": "(850) 249-6100", "logo": { "@type": "ImageObject", "url": "http://lh.rdcpix.com/4f658311975311e4ba7c4ac0bd73ddc6k-c3648169467r.png" } } } } ```