# 8817 S Thomas Drive #A608, Panama City Beach, FL 32408 > **TL;DR:** 0bd/1ba condo, $214,900 ($439/sqft), built 1976, 489 sqft. > Waterfront, A/C. Est. $1,675/mo. Listed 123 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $214,900 | | Price/sqft | $439 | | Bathrooms | 1 full | | Square Feet | 489 | | Year Built | 1976 | | Property Type | Condo (Condominium) | | Status | Active | | Days on Market | 123 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,087 | | Estimated Insurance | $63 | | HOA | $525 | | **Total** | **$1,675** | ## Nearby Schools - **Elementary:** Breakfast Point - **Middle:** Breakfast Point - **High:** Arnold ## Key Amenities - Waterfront - A/C ## Property Highlights - Built in 1976 - Waterfront ## Description ### Agent Description Beachfront Unit under $215,000 Experience the ultimate beachfront lifestyle at Top of the Gulf, where you can walk to beachfront live music at Tootsies new Orchid Lounge and enjoy a remarkably low monthly HOA fee of just $525.00! Located directly on the sugar-white sands of the Emerald Coast, this *recently remodeled* coastal retreat delivers panoramic Gulf views, spectacular sunrises, and private beach access steps from your door. Spend your days swimming, paddleboarding, or exploring miles of pristine shoreline. After hours, unwind watching waves crash from massive communal balconies or hit a few balls at TopGolf, six miles west. Resort-style amenities feature a Gulf-front swimming pool, kids' pool, fitness center, game room, owners' lounge, BBQ areas, beachside snack & drink bar, shuffleboard, and property-wide Wi-Fi. Major community upgrades--including elevators, windows, doors, railings, and walkways--maximize value and long-term appeal. Perfectly situated on the desirable west end of Thomas Drive, you are minutes from top-tier restaurants, shopping, marinas, and golf. Stroll to Pineapple Willy's, savor fresh Gulf seafood, or explore St. Andrews State Park. Everyday essentials like Walmart, bakeries, dining, gas, and ice cream are completely walkable. Whether you are seeking a lucrative investment, a vacation getaway, or your own beachfront sanctuary, Top of the Gulf offers an unbeatable combination of location, premium amenities, and efficiency. ## Location - **Address:** 8817 S Thomas Drive #A608, Panama City Beach, FL 32408 - **County:** Bay - **Neighborhood:** TOP OF THE GULF CONDO - **Coordinates:** 30.169961, -85.795739 - **Google Maps:** https://www.google.com/maps?q=30.169961,-85.795739 ## Listing Agent - **Name:** Evan H Dickson · **License:** 3369397 - **Brokerage:** Keller Williams Realty- Emerald Coast - **Broker Phone:** (850) 654-2900 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/8817-S-Thomas-Dr-Unit-608_Panama-City_FL_32408_M54431-13093?f=listhub&s=ECARMLSFL&m=1006606&c=propsimple) ## Photos ![8817 S Thomas Drive #A608 - Photo 1](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f1032807616r.jpg) ![8817 S Thomas Drive #A608 - Photo 2](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f1020694741r.jpg) ![8817 S Thomas Drive #A608 - Photo 3](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f1413596711r.jpg) ![8817 S Thomas Drive #A608 - Photo 4](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f4072299811r.jpg) ![8817 S Thomas Drive #A608 - Photo 5](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f3015086090r.jpg) ![8817 S Thomas Drive #A608 - Photo 6](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f2063223719r.jpg) ![8817 S Thomas Drive #A608 - Photo 7](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f2388574979r.jpg) ![8817 S Thomas Drive #A608 - Photo 8](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f2572396789r.jpg) ![8817 S Thomas Drive #A608 - Photo 9](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f3253089804r.jpg) ![8817 S Thomas Drive #A608 - Photo 10](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f2590382630r.jpg) ![8817 S Thomas Drive #A608 - Photo 11](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f2732922630r.jpg) ![8817 S Thomas Drive #A608 - Photo 12](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f2049424150r.jpg) ![8817 S Thomas Drive #A608 - Photo 13](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f3165123328r.jpg) ![8817 S Thomas Drive #A608 - Photo 14](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f2499228942r.jpg) ![8817 S Thomas Drive #A608 - Photo 15](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f2618702528r.jpg) ![8817 S Thomas Drive #A608 - Photo 16](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f3302121241r.jpg) ![8817 S Thomas Drive #A608 - Photo 17](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f2232124255r.jpg) ![8817 S Thomas Drive #A608 - Photo 18](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f3722681165r.jpg) ![8817 S Thomas Drive #A608 - Photo 19](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f2568843575r.jpg) ![8817 S Thomas Drive #A608 - Photo 20](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f3216426134r.jpg) ![8817 S Thomas Drive #A608 - Photo 21](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f758018456r.jpg) ![8817 S Thomas Drive #A608 - Photo 22](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f1269040333r.jpg) ![8817 S Thomas Drive #A608 - Photo 23](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f4245266837r.jpg) ![8817 S Thomas Drive #A608 - Photo 24](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f1197168061r.jpg) ![8817 S Thomas Drive #A608 - Photo 25](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f3656487203r.jpg) ![8817 S Thomas Drive #A608 - Photo 26](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f1003340782r.jpg) ![8817 S Thomas Drive #A608 - Photo 27](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f1450448481r.jpg) ![8817 S Thomas Drive #A608 - Photo 28](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f3606956097r.jpg) ![8817 S Thomas Drive #A608 - Photo 29](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f1324693123r.jpg) ![8817 S Thomas Drive #A608 - Photo 30](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f1301789876r.jpg) ![8817 S Thomas Drive #A608 - Photo 31](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f953789930r.jpg) ![8817 S Thomas Drive #A608 - Photo 32](http://lh.rdcpix.com/b5927284e0d8c59ebae4606866ba6f2al-f112445768r.jpg) --- **MLS#:** 1006606 | **Updated:** 2026-10-20 **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/8817-s-thomas-drive-panama-city-beach-fl-32408-cacad4487dae4d7fac5d4935eeece9f4) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/8817-s-thomas-drive-panama-city-beach-fl-32408-cacad4487dae4d7fac5d4935eeece9f4#listing", "url": "https://www.propertysimple.ai/listing/8817-s-thomas-drive-panama-city-beach-fl-32408-cacad4487dae4d7fac5d4935eeece9f4", "name": "8817 S Thomas Drive #A608, Panama City Beach, FL 32408", "description": "Beachfront Unit under $215,000 Experience the ultimate beachfront lifestyle at Top of the Gulf, where you can walk to beachfront live music at Tootsies new Orchid Lounge and enjoy a remarkably low monthly HOA fee of just $525.00! Located directly on the sugar-white sands of the Emerald Coast, this *recently remodeled* coastal retreat delivers panoramic Gulf views, spectacular sunrises, and private beach access steps from your door. Spend your days swimming, paddleboarding, or exploring miles of pristine shoreline. After hours, unwind watching waves crash from massive communal balconies or hit a few balls at TopGolf, six miles west. Resort-style amenities feature a Gulf-front swimming pool, kids' pool, fitness center, game room, owners' lounge, BBQ areas, beachside snack & drink bar, shuffleboard, and property-wide Wi-Fi. Major community upgrades--including elevators, windows, doors, railings, and walkways--maximize value and long-term appeal. Perfectly situated on the desirable west end of Thomas Drive, you are minutes from top-tier restaurants, shopping, marinas, and golf. Stroll to Pineapple Willy's, savor fresh Gulf seafood, or explore St. Andrews State Park. 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