# 8730 Thomas Drive UNIT 409, Panama City Beach, FL 32408

> **TL;DR:** 3bd/3ba condo, $389,900, built 1984. Est. $2,086/mo.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $389,900 |
| Bedrooms | 3 |
| Bathrooms | 3 full |
| Year Built | 1984 |
| Property Type | Condo (Condominium) |
| Status | Active |
| Days on Market | 0 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $1,972 |
| Estimated Insurance | $114 |
| **Total** | **$2,086** |

## Nearby Schools

- **Elementary:** Breakfast Point
- **Middle:** Breakfast Point
- **High:** Arnold

## Property Highlights

- Built in 1984

## Description

### Agent Description
Investor Alert - Turnkey Airbnb with Immediate Cash Flow Exceptional opportunity in Panama City Beach--legal short-term rental with a 6.4% cap rate and projected income of $51,768. Sold fully furnished with future bookings in place. This 2-story condo in the gated Villas of St. Thomas Square offers a boat dock, a 2 block walk to the beach and water views overlooking St. Andrews Bay. Features include private balcony, modern kitchen with washer/dryer, smart thermostat, smart TVs, fresh paint, and updated fixtures. Community amenities: pool, tennis, clubhouse, sauna, BBQ. Low HOA + unincorporated Bay County = favorable STR taxes. Seller offering 3 months of complimentary management. Largest + best decor + best situated unit in complex! Walkable to beaches, dining, and entertainment

## Location

- **Address:** 8730 Thomas Drive UNIT 409, Panama City Beach, FL 32408
- **County:** Bay
- **Neighborhood:** VILLAS OF ST THOMAS IV
- **Coordinates:** 30.169186, -85.789284
- **Google Maps:** https://www.google.com/maps?q=30.169186,-85.789284

## Listing Agent

- **Name:** Kiley D Niles
- **Brokerage:** Engel & Volkers 30A Beaches
- **Broker Phone:** 8507141935

## Photos

![8730 Thomas Drive UNIT 409 - Photo 1](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f4011965243r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 2](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f2167060363r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 3](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f903344410r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 4](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f4018145120r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 5](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f1356460869r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 6](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f1316789707r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 7](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f1883106303r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 8](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f4238446621r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 9](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f4274515220r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 10](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f1386297033r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 11](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f4151103053r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 12](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f3323841300r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 13](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f3665896624r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 14](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f1304915800r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 15](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f2461119773r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 16](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f2490581579r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 17](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f2885827513r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 18](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f2090481367r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 19](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f1014733017r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 20](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f1190853922r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 21](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f3552541770r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 22](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f2966997711r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 23](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f903478475r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 24](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f2447427658r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 25](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f3301322337r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 26](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f3263185665r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 27](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f1365586182r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 28](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f4011965243r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 29](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f2518597963r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 30](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f2974697770r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 31](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f153145905r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 32](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f929194420r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 33](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f3627337027r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 34](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f3074963978r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 35](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f2293718775r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 36](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f1779426866r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 37](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f1136087647r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 38](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f557887027r.jpg)

![8730 Thomas Drive UNIT 409 - Photo 39](http://lh.rdcpix.com/00471b9b3acd6be0934896de2d125f8al-f3690603469r.jpg)

---

**MLS#:** 1000290 | **Updated:** 2026-11-01
**Source:** listhub

*Copyright © 2026 Engel & Völkers. 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/8730-thomas-drive-unit-409-panama-city-beach-fl-32408-0b961300091e49c4b1f072e41f1b9c09)

---

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