# 8817 S Thomas Drive #A804, Panama City Beach, FL 32408 > **TL;DR:** 0bd/1ba condo, $255,000 ($521/sqft), built 1976, 489 sqft. > Waterfront, A/C. Est. $1,888/mo. Listed 97 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $255,000 | | Price/sqft | $521 | | Bathrooms | 1 full | | Square Feet | 489 | | Year Built | 1976 | | Property Type | Condo (Condominium) | | Status | Active | | Days on Market | 97 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,289 | | Estimated Insurance | $74 | | HOA | $525 | | **Total** | **$1,888** | ## Nearby Schools - **Elementary:** Breakfast Point - **Middle:** Breakfast Point - **High:** Arnold ## Key Amenities - Waterfront - A/C ## Property Highlights - Built in 1976 - Waterfront ## Description ### Agent Description Welcome to Unit A804 at The Top of the Gulf, a beautifully renovated top-floor Gulf-front condo offering the perfect combination of coastal charm, modern comfort, and exceptional investment potential. Located on the 8th floor, this residence enjoys one of the most desirable positions in the building -- ''TOP FLOOR UNIT''means added peace and quiet for owners and guests alike. Thoughtfully updated and sold fully furnished, the condo features stylish coastal-inspired furnishings and decor, creating a bright, welcoming atmosphere that is completely turnkey and rental-ready. Major upgrades include a brand-new HVAC system and a self-draining dehumidifier installed approximately 2 1/2 years ago, providing enhanced comfort, efficiency, and peace of mind. For investors, this property checks every box. The condo offers a proven rental history with future bookings already in place through April 2027, including confirmed reservations in September, March, and April, allowing a new owner to begin generating income immediately. Perfectly situated in the heart of Panama City Beach, The Top of the Gulf places you just minutes from great dining, shopping, and recreational activities. And for those seeking entertainment, the newly opened Tootsie's Orchid Lounge is only a 5-minute walk up the beach, adding even more excitement and value to this prime location. Whether you're searching for a personal beach retreat, a second home, or a high-performing income property, Unit A804 delivers turnkey Gulf-front living with established rental income and future reservations already secured. Don't miss this opportunity to own a top-floor beachfront condo in one of Panama City Beach's most convenient and sought-after locations at a GREAT PRICE POINT!! ## Location - **Address:** 8817 S Thomas Drive #A804, Panama City Beach, FL 32408 - **County:** Bay - **Neighborhood:** Top Of The Gulf Condo. - **Coordinates:** 30.169847, -85.795759 - **Google Maps:** https://www.google.com/maps?q=30.169847,-85.795759 ## Listing Agent - **Name:** Scott Suber · **License:** 3380896 - **Brokerage:** Beach Haven Realty - **Broker Phone:** (770) 596-6599 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/8817-S-Thomas-Dr-Unit-804_Panama-City_FL_32408_M55022-69860?f=listhub&s=BCARFL&m=793163&c=propsimple) ## Photos ![8817 S Thomas Drive #A804 - Photo 1](http://lh.rdcpix.com/9052e9b28ba860145981d6b9fd148da0l-f1721785982r.jpg) ![8817 S Thomas Drive #A804 - Photo 2](http://lh.rdcpix.com/9052e9b28ba860145981d6b9fd148da0l-f4055606798r.jpg) ![8817 S Thomas Drive #A804 - Photo 3](http://lh.rdcpix.com/9052e9b28ba860145981d6b9fd148da0l-f760261900r.jpg) ![8817 S Thomas Drive #A804 - Photo 4](http://lh.rdcpix.com/9052e9b28ba860145981d6b9fd148da0l-f2062724233r.jpg) ![8817 S Thomas Drive #A804 - Photo 5](http://lh.rdcpix.com/9052e9b28ba860145981d6b9fd148da0l-f1098149663r.jpg) ![8817 S Thomas Drive #A804 - Photo 6](http://lh.rdcpix.com/9052e9b28ba860145981d6b9fd148da0l-f3543416054r.jpg) ![8817 S Thomas Drive #A804 - Photo 7](http://lh.rdcpix.com/9052e9b28ba860145981d6b9fd148da0l-f1829607854r.jpg) ![8817 S Thomas Drive #A804 - Photo 8](http://lh.rdcpix.com/9052e9b28ba860145981d6b9fd148da0l-f1242803754r.jpg) ![8817 S Thomas Drive #A804 - Photo 9](http://lh.rdcpix.com/9052e9b28ba860145981d6b9fd148da0l-f605562767r.jpg) ![8817 S Thomas Drive #A804 - Photo 10](http://lh.rdcpix.com/9052e9b28ba860145981d6b9fd148da0l-f1858482275r.jpg) ![8817 S Thomas Drive #A804 - Photo 11](http://lh.rdcpix.com/9052e9b28ba860145981d6b9fd148da0l-f3802023798r.jpg) ![8817 S Thomas Drive #A804 - Photo 12](http://lh.rdcpix.com/9052e9b28ba860145981d6b9fd148da0l-f3146859784r.jpg) ![8817 S Thomas Drive #A804 - Photo 13](http://lh.rdcpix.com/9052e9b28ba860145981d6b9fd148da0l-f3599570394r.jpg) ![8817 S Thomas Drive #A804 - Photo 14](http://lh.rdcpix.com/9052e9b28ba860145981d6b9fd148da0l-f2689417050r.jpg) ![8817 S Thomas Drive #A804 - Photo 15](http://lh.rdcpix.com/9052e9b28ba860145981d6b9fd148da0l-f3907928197r.jpg) ![8817 S Thomas Drive #A804 - Photo 16](http://lh.rdcpix.com/9052e9b28ba860145981d6b9fd148da0l-f1078841205r.jpg) ![8817 S Thomas Drive #A804 - Photo 17](http://lh.rdcpix.com/9052e9b28ba860145981d6b9fd148da0l-f267350942r.jpg) ![8817 S Thomas Drive #A804 - Photo 18](http://lh.rdcpix.com/9052e9b28ba860145981d6b9fd148da0l-f3122924179r.jpg) ![8817 S Thomas Drive #A804 - Photo 19](http://lh.rdcpix.com/9052e9b28ba860145981d6b9fd148da0l-f1252226859r.jpg) ![8817 S Thomas Drive #A804 - Photo 20](http://lh.rdcpix.com/9052e9b28ba860145981d6b9fd148da0l-f1135676822r.jpg) --- **MLS#:** 793163 | **Updated:** 2026-10-26 **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/8817-s-thomas-drive-panama-city-beach-fl-32408-a2151cd276aa4bd1857e3a2ef8ec475a) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/8817-s-thomas-drive-panama-city-beach-fl-32408-a2151cd276aa4bd1857e3a2ef8ec475a#listing", "url": "https://www.propertysimple.ai/listing/8817-s-thomas-drive-panama-city-beach-fl-32408-a2151cd276aa4bd1857e3a2ef8ec475a", "name": "8817 S Thomas Drive #A804, Panama City Beach, FL 32408", "description": "Welcome to Unit A804 at The Top of the Gulf, a beautifully renovated top-floor Gulf-front condo offering the perfect combination of coastal charm, modern comfort, and exceptional investment potential. 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