# 9850 S Thomas Drive #401W, Panama City, FL 32408 > **TL;DR:** 1bd/1ba condo, $300,000 ($485/sqft), built 1984, 618 sqft. > Waterfront, A/C. Est. $3,727/mo. Listed 234 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $300,000 | | Price/sqft | $485 | | Bedrooms | 1 | | Bathrooms | 1 full | | Square Feet | 618 | | Year Built | 1984 | | Property Type | Condo (Condominium) | | Status | Active | | Days on Market | 234 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,517 | | Estimated Insurance | $88 | | HOA | $2,122 | | **Total** | **$3,727** | ## Nearby Schools - **Elementary:** Breakfast Point - **Middle:** Breakfast Point - **High:** Arnold ## Key Amenities - Waterfront - A/C ## Property Highlights - Built in 1984 - Waterfront ## Description ### Agent Description Own a beautifully updated beachfront condo with exceptional income potential in the sought-after West Tower. This turnkey 1-bedroom, 1-bath unit is a rare opportunity for buyers seeking a vacation retreat, rental investment, or full-time coastal residence. As of 09/28/2026, the property has already produced $32,000 in actual gross rental income, with three more months of rentals still to come. A brand-new AC unit was installed in September 2026 through HOA reserves at no cost to the owner, adding immediate value and reducing near-term expense. Positioned on a desirable low floor, this unit has been renovated from top to bottom with updated kitchen and bathroom cabinets, stylish countertops, upgraded flooring, and newer furnishings throughout. Even better, this stack offers a special balcony view where you can enjoy the sunrise with your morning coffee. Residents and guests enjoy a full resort-style experience with three pools, pickleball and tennis courts, and 24-hour gated security. The community is well maintained, the building has passed all required milestones, and the reserve study has been completed. Located within walking distance to restaurants, bars, and shopping, this beachfront condo delivers lifestyle, location, and income potential in one package. ## Location - **Address:** 9850 S Thomas Drive #401W, Panama City, FL 32408 - **County:** Bay - **Neighborhood:** Sunbird Condo - **Coordinates:** 30.174737, -85.803946 - **Google Maps:** https://www.google.com/maps?q=30.174737,-85.803946 ## Listing Agent - **Name:** Sassy French · **License:** SL3401216 - **Brokerage:** Keller Williams Success Realty - **Broker Phone:** (850) 249-0313 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/9850-S-Thomas-Dr-Unit-401W_Panama-City-Beach_FL_32408_M54969-03564?f=listhub&s=BCARFL&m=786766&c=propsimple) ## Photos ![9850 S Thomas Drive #401W - Photo 1](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f4019886797r.jpg) ![9850 S Thomas Drive #401W - Photo 2](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f600980993r.jpg) ![9850 S Thomas Drive #401W - Photo 3](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f1287667210r.jpg) ![9850 S Thomas Drive #401W - Photo 4](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f4216057408r.jpg) ![9850 S Thomas Drive #401W - Photo 5](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f3050014016r.jpg) ![9850 S Thomas Drive #401W - Photo 6](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f1021982253r.jpg) ![9850 S Thomas Drive #401W - Photo 7](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f1736023206r.jpg) ![9850 S Thomas Drive #401W - Photo 8](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f2111816260r.jpg) ![9850 S Thomas Drive #401W - Photo 9](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f2028939221r.jpg) ![9850 S Thomas Drive #401W - Photo 10](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f2374357491r.jpg) ![9850 S Thomas Drive #401W - Photo 11](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f2671482929r.jpg) ![9850 S Thomas Drive #401W - Photo 12](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f1157690638r.jpg) ![9850 S Thomas Drive #401W - Photo 13](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f839030259r.jpg) ![9850 S Thomas Drive #401W - Photo 14](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f2860550057r.jpg) ![9850 S Thomas Drive #401W - Photo 15](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f2421864436r.jpg) ![9850 S Thomas Drive #401W - Photo 16](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f1752508131r.jpg) ![9850 S Thomas Drive #401W - Photo 17](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f298384170r.jpg) ![9850 S Thomas Drive #401W - Photo 18](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f11128845r.jpg) ![9850 S Thomas Drive #401W - Photo 19](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f3516660068r.jpg) ![9850 S Thomas Drive #401W - Photo 20](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f2611533834r.jpg) ![9850 S Thomas Drive #401W - Photo 21](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f3356590772r.jpg) ![9850 S Thomas Drive #401W - Photo 22](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f2639996399r.jpg) ![9850 S Thomas Drive #401W - Photo 23](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f882926313r.jpg) ![9850 S Thomas Drive #401W - Photo 24](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f1099508400r.jpg) ![9850 S Thomas Drive #401W - Photo 25](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f3455678891r.jpg) ![9850 S Thomas Drive #401W - Photo 26](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f3424853818r.jpg) ![9850 S Thomas Drive #401W - Photo 27](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f2896916063r.jpg) ![9850 S Thomas Drive #401W - Photo 28](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f399651822r.jpg) ![9850 S Thomas Drive #401W - Photo 29](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f1714756096r.jpg) ![9850 S Thomas Drive #401W - Photo 30](http://lh.rdcpix.com/d043d0dff236bffc34dcea169dfa980dl-f2178505771r.jpg) --- **MLS#:** 786766 | **Updated:** 2026-10-27 **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/9850-s-thomas-drive-panama-city-fl-32408-8a125a783402401c83b5e07e6faa4605) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/9850-s-thomas-drive-panama-city-fl-32408-8a125a783402401c83b5e07e6faa4605#listing", "url": "https://www.propertysimple.ai/listing/9850-s-thomas-drive-panama-city-fl-32408-8a125a783402401c83b5e07e6faa4605", "name": "9850 S Thomas Drive #401W, Panama City, FL 32408", "description": "Own a beautifully updated beachfront condo with exceptional income potential in the sought-after West Tower. This turnkey 1-bedroom, 1-bath unit is a rare opportunity for buyers seeking a vacation retreat, rental investment, or full-time coastal residence. 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