# 8817 S Thomas Drive, Panama City Beach, FL 32408

> **TL;DR:** 0bd/1ba condo, $224,900 ($460/sqft), built 1976, 489 sqft.
> Waterfront, A/C. Est. $975/mo. Listed 38 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $224,900 |
| Price/sqft | $460 |
| Bathrooms | 1 full |
| Square Feet | 489 |
| Year Built | 1976 |
| Property Type | Condo (Condominium) |
| Status | For Sale |
| Days on Market | 38 |

## Why This Home Stands Out

- **Waterfront** - Direct water access

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Mortgage (20% down, 6.5%) | $975 |
| **Total** | **$975** |

## Nearby Schools

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

## Key Amenities

- Waterfront
- A/C

## Property Highlights

- Built in 1976
- Waterfront

## Description

### Agent Description
Experience coastal living at its finest in this beautifully remodeled studio at Top of the Gulf! Completely renovated in 2021, this unit features all-new sheetrock, updated HVAC system, modern kitchen cabinetry, sleek quartz countertops, and a full suite of appliances--offering a clean, fresh, and move-in-ready space. Enjoy breathtaking Gulf views right from your unit, where you can take in the iconic pier and miles of sugary white sand beaches. Whether you're looking for a personal getaway or an income-producing rental, this property delivers both comfort and location. Top of the Gulf is a well-maintained, beachfront complex offering a variety of amenities including a gulf-front swimming pool, fitness center, on-site snack shop, sun deck, shuffleboard courts, and direct beach access. The community also provides laundry facilities, BBQ grilling areas, and ample parking for owners and guests. Ideally located in the heart of Panama City Beach, you're just minutes from popular dining, shopping, entertainment, and attractions--making this an excellent opportunity for short-term rental income or your own slice of paradise. Don't miss your chance to own an updated beachfront studio with stunning views and strong rental potential!

## Location

- **Address:** 8817 S Thomas Drive, Panama City Beach, FL 32408
- **County:** Bay
- **Neighborhood:** Top Of The Gulf Condo.
- **Coordinates:** 30.170589, -85.795616
- **Google Maps:** https://www.google.com/maps?q=30.170589,-85.795616

## Listing Agent

- **Name:** Carole Lea Gilman
- **Brokerage:** Keller Williams Realty Emerald
- **Phone:** 8508146090
- **Email:** clg@CaroleLeaGilman.com

## Primary Photo

![8817 S Thomas Drive - Primary Photo](http://lh.rdcpix.com/53f7eb711c0a49eba2e58dbd3943edc6l-f3155293898r.jpg)

*27 total photos available on [listing page](https://www.propertysimple.com/listing/8817-s-thomas-drive-panama-city-beach-fl-32408-l789009)*

---

**MLS#:** 789009 | **Updated:** 2026-06-18
**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.com/listing/8817-s-thomas-drive-panama-city-beach-fl-32408-l789009)

---

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