# 8706 Surf Drive # B, Panama City Beach, FL 32408 > **TL;DR:** 2bd/2ba residential multi family, $439,000 ($382/sqft), built 1983, 1,150 sqft. > A/C. Est. $2,348/mo. Listed 217 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $439,000 | | Price/sqft | $382 | | Bedrooms | 2 | | Bathrooms | 2 full | | Square Feet | 1,150 | | Year Built | 1983 | | Lot Size | 1,742 sqft (0.04 acres) | | Stories | 2 | | Property Type | Residential Multi Family (Other) | | Status | Pending | | Days on Market | 217 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,220 | | Estimated Insurance | $128 | | **Total** | **$2,348** | ## Nearby Schools - **Elementary:** Breakfast Point - **Middle:** Breakfast Point - **High:** Arnold ## Key Amenities - A/C ## Property Highlights - Built in 1983 - 0.04 acre lot - 2 stories - 3 parking spaces ## Description ### Agent Description Directly across the street from the Gulf, this 2 bedroom, 2 bathroom townhome offers quick beach access, Gulf views, and updates that help reduce near-term maintenance. Two public beach access points are nearby, and the home is being sold fully furnished, making it a practical option for personal use, a second home, or rental use. For buyers exploring added rental flexibility, the neighboring townhome is also available, creating a rare opportunity to own side-by-side units. Inside, the layout is set up to comfortably host guests with one king bed and two queen beds. The kitchen, bathrooms, and flooring were renovated in 2019, and the entire unit was freshly painted in 2025, including the walls, trim, and doors. All furnishings were also replaced in 2025, giving the interior a clean, updated feel. A full-size washer and dryer adds everyday convenience. The living area opens to a private patio where you can enjoy Gulf views and coastal breezes. A fenced backyard provides private outdoor space to unwind after time at the beach. The home also includes a private garage for beach gear, bikes, and other coastal essentials, plus additional driveway parking for guests. Nearby destinations include Pier Park, St. Andrews State Park, marinas, waterfront dining, shopping, and local restaurants. Buyer to verify all dimensions. ## Location - **Address:** 8706 Surf Drive # B, Panama City Beach, FL 32408 - **County:** Bay - **Neighborhood:** BEL AIR 2ND ADDN - **Coordinates:** 30.166681, -85.789385 - **Google Maps:** https://www.google.com/maps?q=30.166681,-85.789385 ## Listing Agent - **Name:** Christina M Schlink · **License:** 3137018 - **Brokerage:** Compass Florida, LLC - **Broker Phone:** (305) 851-2820 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/8706-Surf-Dr-B_Panama-City-Beach_FL_32408_M53761-36017?f=listhub&s=ECARMLSFL&m=999343&c=propsimple) ## Photos ![8706 Surf Drive # B - Photo 1](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f1282600837r.jpg) ![8706 Surf Drive # B - Photo 2](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f1936828020r.jpg) ![8706 Surf Drive # B - Photo 3](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f2007832072r.jpg) ![8706 Surf Drive # B - Photo 4](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f3608780725r.jpg) ![8706 Surf Drive # B - Photo 5](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f3300927330r.jpg) ![8706 Surf Drive # B - Photo 6](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f2873439233r.jpg) ![8706 Surf Drive # B - Photo 7](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f3952607187r.jpg) ![8706 Surf Drive # B - Photo 8](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f872405831r.jpg) ![8706 Surf Drive # B - Photo 9](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f60348830r.jpg) ![8706 Surf Drive # B - Photo 10](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f3159689968r.jpg) ![8706 Surf Drive # B - Photo 11](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f2501248526r.jpg) ![8706 Surf Drive # B - Photo 12](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f96500398r.jpg) ![8706 Surf Drive # B - Photo 13](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f870711638r.jpg) ![8706 Surf Drive # B - Photo 14](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f2464383253r.jpg) ![8706 Surf Drive # B - Photo 15](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f2339231701r.jpg) ![8706 Surf Drive # B - Photo 16](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f396736858r.jpg) ![8706 Surf Drive # B - Photo 17](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f53022515r.jpg) ![8706 Surf Drive # B - Photo 18](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f1606828285r.jpg) ![8706 Surf Drive # B - Photo 19](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f835186062r.jpg) ![8706 Surf Drive # B - Photo 20](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f3040674085r.jpg) ![8706 Surf Drive # B - Photo 21](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f1031902137r.jpg) ![8706 Surf Drive # B - Photo 22](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f3879350498r.jpg) ![8706 Surf Drive # B - Photo 23](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f2361475822r.jpg) ![8706 Surf Drive # B - Photo 24](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f2261196740r.jpg) ![8706 Surf Drive # B - Photo 25](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f2601140522r.jpg) ![8706 Surf Drive # B - Photo 26](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f1899497660r.jpg) ![8706 Surf Drive # B - Photo 27](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f1572883887r.jpg) ![8706 Surf Drive # B - Photo 28](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f3901031953r.jpg) ![8706 Surf Drive # B - Photo 29](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f2185615688r.jpg) ![8706 Surf Drive # B - Photo 30](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f4061021898r.jpg) ![8706 Surf Drive # B - Photo 31](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f3361122520r.jpg) ![8706 Surf Drive # B - Photo 32](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f4129136301r.jpg) ![8706 Surf Drive # B - Photo 33](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f3249305809r.jpg) ![8706 Surf Drive # B - Photo 34](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f1227411887r.jpg) ![8706 Surf Drive # B - Photo 35](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f3184703697r.jpg) ![8706 Surf Drive # B - Photo 36](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f4183173542r.jpg) ![8706 Surf Drive # B - Photo 37](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f2228911428r.jpg) ![8706 Surf Drive # B - Photo 38](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f2536115337r.jpg) ![8706 Surf Drive # B - Photo 39](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f3074537567r.jpg) ![8706 Surf Drive # B - Photo 40](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f3670359974r.jpg) ![8706 Surf Drive # B - Photo 41](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f1323161710r.jpg) ![8706 Surf Drive # B - Photo 42](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f3949690360r.jpg) ![8706 Surf Drive # B - Photo 43](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f1021997730r.jpg) ![8706 Surf Drive # B - Photo 44](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f3425774558r.jpg) ![8706 Surf Drive # B - Photo 45](http://lh.rdcpix.com/a458d214f617c4adebab02a17185a3dbl-f2481770178r.jpg) --- **MLS#:** 999343 | **Updated:** 2026-11-01 **Source:** listhub *Copyright © 2026 Emerald Coast 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/8706-surf-drive-panama-city-beach-fl-32408-1178bc03b9e94a1da9227ca7671519ae) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/8706-surf-drive-panama-city-beach-fl-32408-1178bc03b9e94a1da9227ca7671519ae#listing", "url": "https://www.propertysimple.ai/listing/8706-surf-drive-panama-city-beach-fl-32408-1178bc03b9e94a1da9227ca7671519ae", "name": "8706 Surf Drive # B, Panama City Beach, FL 32408", "description": "Directly across the street from the Gulf, this 2 bedroom, 2 bathroom townhome offers quick beach access, Gulf views, and updates that help reduce near-term maintenance. Two public beach access points are nearby, and the home is being sold fully furnished, making it a practical option for personal use, a second home, or rental use. For buyers exploring added rental flexibility, the neighboring townhome is also available, creating a rare opportunity to own side-by-side units. Inside, the layout is set up to comfortably host guests with one king bed and two queen beds. The kitchen, bathrooms, and flooring were renovated in 2019, and the entire unit was freshly painted in 2025, including the walls, trim, and doors. All furnishings were also replaced in 2025, giving the interior a clean, updated feel. A full-size washer and dryer adds everyday convenience. The living area opens to a private patio where you can enjoy Gulf views and coastal breezes. A fenced backyard provides private outdoor space to unwind after time at the beach. 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