# 8817 S Thomas Drive #A415, Panama City, FL 32408

> **TL;DR:** 0bd/1ba condo, $229,900 ($470/sqft), built 1976, 489 sqft.
> Waterfront, A/C. Est. $1,754/mo. Listed 16 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $229,900 |
| Price/sqft | $470 |
| Bathrooms | 1 full |
| Square Feet | 489 |
| Year Built | 1976 |
| Property Type | Condo (Condominium) |
| Status | Active |
| Days on Market | 16 |

## Why This Home Stands Out

- **Waterfront** - Waterfront location listed

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $1,162 |
| Estimated Insurance | $67 |
| HOA | $525 |
| **Total** | **$1,754** |

## Nearby Schools

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

## Key Amenities

- Waterfront
- A/C

## Property Highlights

- Built in 1976
- Waterfront

## Description

### Agent Description
This is the BEST Premier GULF FRONT studio unit available at Top of the GULF condos with TRUE panoramic views (not partial views) of the white sand Beaches and Gulf. It is the only unit currently listed that is direct Gulf facing!!! These popular Studio units make great private getaways, rental investments or full time residences. Top of the Gulf is a very well maintained and managed 8 story building with beautiful beaches near St. Andrews State Park and many great local restaurants. Everything you need is 5 minutes away. Quiet and plenty of private parking and a private dedicated beach access & pool are just a few of the amenities offered here. All units have new Hurricane Impact Windows! This unit has been updated and is move-in ready and has been privately owned for many years. TAKE ADVANTAGE OF THIS RARE OPPORTUNITY for a great deal!!

## Location

- **Address:** 8817 S Thomas Drive #A415, Panama City, FL 32408
- **County:** Bay
- **Neighborhood:** Top Of The Gulf Condo.
- **Coordinates:** 30.170157, -85.795679
- **Google Maps:** https://www.google.com/maps?q=30.170157,-85.795679

## Listing Agent

- **Name:** Teresa L Baum · **License:** 3061851
- **Brokerage:** Dalton Wade
- **Broker Phone:** (727) 888-4175
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/8817-S-Thomas-Dr-Unit-415_Panama-City_FL_32408_M52201-66675?f=listhub&s=BCARFL&m=796953&c=propsimple)

## Photos

![8817 S Thomas Drive #A415 - Photo 1](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f2696674892r.jpg)

![8817 S Thomas Drive #A415 - Photo 2](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f204544953r.jpg)

![8817 S Thomas Drive #A415 - Photo 3](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f3347577833r.jpg)

![8817 S Thomas Drive #A415 - Photo 4](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f3538009436r.jpg)

![8817 S Thomas Drive #A415 - Photo 5](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f3485575936r.jpg)

![8817 S Thomas Drive #A415 - Photo 6](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f3527018019r.jpg)

![8817 S Thomas Drive #A415 - Photo 7](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f3063306197r.jpg)

![8817 S Thomas Drive #A415 - Photo 8](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f1015056702r.jpg)

![8817 S Thomas Drive #A415 - Photo 9](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f1553862653r.jpg)

![8817 S Thomas Drive #A415 - Photo 10](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f2454572216r.jpg)

![8817 S Thomas Drive #A415 - Photo 11](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f83411125r.jpg)

![8817 S Thomas Drive #A415 - Photo 12](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f1324231889r.jpg)

![8817 S Thomas Drive #A415 - Photo 13](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f300910749r.jpg)

![8817 S Thomas Drive #A415 - Photo 14](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f2825147862r.jpg)

![8817 S Thomas Drive #A415 - Photo 15](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f430777549r.jpg)

![8817 S Thomas Drive #A415 - Photo 16](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f4111653780r.jpg)

![8817 S Thomas Drive #A415 - Photo 17](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f1292836768r.jpg)

![8817 S Thomas Drive #A415 - Photo 18](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f291202782r.jpg)

![8817 S Thomas Drive #A415 - Photo 19](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f1521305742r.jpg)

![8817 S Thomas Drive #A415 - Photo 20](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f1967404789r.jpg)

![8817 S Thomas Drive #A415 - Photo 21](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f1940534117r.jpg)

![8817 S Thomas Drive #A415 - Photo 22](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f4059414640r.jpg)

![8817 S Thomas Drive #A415 - Photo 23](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f4283814497r.jpg)

![8817 S Thomas Drive #A415 - Photo 24](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f384345929r.jpg)

![8817 S Thomas Drive #A415 - Photo 25](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f96008568r.jpg)

![8817 S Thomas Drive #A415 - Photo 26](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f1053906636r.jpg)

![8817 S Thomas Drive #A415 - Photo 27](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f377989311r.jpg)

![8817 S Thomas Drive #A415 - Photo 28](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f2881505900r.jpg)

![8817 S Thomas Drive #A415 - Photo 29](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f285610020r.jpg)

![8817 S Thomas Drive #A415 - Photo 30](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f1498282065r.jpg)

![8817 S Thomas Drive #A415 - Photo 31](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f3220160851r.jpg)

![8817 S Thomas Drive #A415 - Photo 32](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f247982765r.jpg)

![8817 S Thomas Drive #A415 - Photo 33](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f445445604r.jpg)

![8817 S Thomas Drive #A415 - Photo 34](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f1652084054r.jpg)

![8817 S Thomas Drive #A415 - Photo 35](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f2084414748r.jpg)

![8817 S Thomas Drive #A415 - Photo 36](http://lh.rdcpix.com/8f6ccd1592fbd30af98184c97a7c329cl-f1641290102r.jpg)

---

**MLS#:** 796953 | **Updated:** 2026-11-01
**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-fl-32408-edc7893b898142b09d8790adf2e638d0)

---

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