# 9860 S Thomas Drive #1110, Panama City Beach, FL 32408

> **TL;DR:** 3bd/2ba condo, $425,000 ($337/sqft), built 2008, 1,262 sqft.
> View, A/C. Est. $5,275/mo. Listed 550 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $425,000 |
| Price/sqft | $337 |
| Bedrooms | 3 |
| Bathrooms | 2 full |
| Square Feet | 1,262 |
| Year Built | 2008 |
| Stories | 1 |
| Property Type | Condo (Condominium) |
| Status | Active |
| Days on Market | 550 |

## Why This Home Stands Out

- **Views** - Lake

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $2,149 |
| Estimated Insurance | $124 |
| HOA | $3,002 |
| **Total** | **$5,275** |

## Nearby Schools

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

## Key Amenities

- View
- A/C

## Property Highlights

- Built in 2008

## Description

### Agent Description
Seller Offering $15,000 Cash Back towards Buyers Closing Costs/ Rate Buy Down, or Anyway you choose! *Spectacular Beach/Gulf Views *Location *Sleeps 8 Comfortably with Extra Bunk Room *Fully Furnished/Turn Key with Fine Furnishings *New 2025 Water Heater *Newer 2020 Stainless Appliances *Newer 2020 Washer/Dryer *Newer 2021 HVAC *Spacious King Master Suite with Mesmerizing Water Views *Only 1 Floor up from the direct walkover to the pool for convenience *Great Investment to add to your Portfolio or use as a Vacation/Second Home or Full Time Residence. Phenomenal Resort Amenities to include *Private Beach Access *5 Stunning Unique Pools, 2 Hot Tubs *Beach Bar, Pool Bar *5 Onsite Restaurants + Ice Cream Shop *Gulf Front Fitness Center *Pickleball *Putting Green *Covered Parking *Private Lake with Captivating Nightly Fountain/Light Shows & Scenic Walking Boardwalk around *Onsite Market Shops *Close to Numerous PCB Attractions, Shopping, Restaurants & Night-life! What Else Could You Ask For? Make This Resort Condo Yours and Start Living The Dream Life you Deserve!

## Location

- **Address:** 9860 S Thomas Drive #1110, Panama City Beach, FL 32408
- **County:** Bay
- **Neighborhood:** Laketown Wharf
- **Coordinates:** 30.175437, -85.802737
- **Google Maps:** https://www.google.com/maps?q=30.175437,-85.802737

## Listing Agent

- **Name:** Crystal D Newborn · **License:** 3463940
- **Brokerage:** The Ketchersid Group
- **Broker Phone:** (850) 830-8576
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/9860-S-Thomas-Dr-Unit-1110_Panama-City-Beach_FL_32408_M65923-39091?f=listhub&s=ECARMLSFL&m=975190&c=propsimple)

## Photos

![9860 S Thomas Drive #1110 - Photo 1](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f3419971865r.jpg)

![9860 S Thomas Drive #1110 - Photo 2](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f1690211522r.jpg)

![9860 S Thomas Drive #1110 - Photo 3](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f3041885192r.jpg)

![9860 S Thomas Drive #1110 - Photo 4](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f970647828r.jpg)

![9860 S Thomas Drive #1110 - Photo 5](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f2356015551r.jpg)

![9860 S Thomas Drive #1110 - Photo 6](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f822351949r.jpg)

![9860 S Thomas Drive #1110 - Photo 7](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f1777063689r.jpg)

![9860 S Thomas Drive #1110 - Photo 8](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f2463914611r.jpg)

![9860 S Thomas Drive #1110 - Photo 9](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f1554862974r.jpg)

![9860 S Thomas Drive #1110 - Photo 10](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f1353315752r.jpg)

![9860 S Thomas Drive #1110 - Photo 11](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f2376820460r.jpg)

![9860 S Thomas Drive #1110 - Photo 12](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f265080658r.jpg)

![9860 S Thomas Drive #1110 - Photo 13](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f3343939178r.jpg)

![9860 S Thomas Drive #1110 - Photo 14](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f1083395093r.jpg)

![9860 S Thomas Drive #1110 - Photo 15](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f3034081804r.jpg)

![9860 S Thomas Drive #1110 - Photo 16](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f29435376r.jpg)

![9860 S Thomas Drive #1110 - Photo 17](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f1219204053r.jpg)

![9860 S Thomas Drive #1110 - Photo 18](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f2975633877r.jpg)

![9860 S Thomas Drive #1110 - Photo 19](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f1947610074r.jpg)

![9860 S Thomas Drive #1110 - Photo 20](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f2985777735r.jpg)

![9860 S Thomas Drive #1110 - Photo 21](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f1588966006r.jpg)

![9860 S Thomas Drive #1110 - Photo 22](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f2119915074r.jpg)

![9860 S Thomas Drive #1110 - Photo 23](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f1303473078r.jpg)

![9860 S Thomas Drive #1110 - Photo 24](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f2448535874r.jpg)

![9860 S Thomas Drive #1110 - Photo 25](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f770911614r.jpg)

![9860 S Thomas Drive #1110 - Photo 26](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f2393029032r.jpg)

![9860 S Thomas Drive #1110 - Photo 27](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f1391658595r.jpg)

![9860 S Thomas Drive #1110 - Photo 28](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f1214455085r.jpg)

![9860 S Thomas Drive #1110 - Photo 29](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f1770846089r.jpg)

![9860 S Thomas Drive #1110 - Photo 30](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f1152732042r.jpg)

![9860 S Thomas Drive #1110 - Photo 31](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f2614565543r.jpg)

![9860 S Thomas Drive #1110 - Photo 32](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f3240518498r.jpg)

![9860 S Thomas Drive #1110 - Photo 33](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f1799321456r.jpg)

![9860 S Thomas Drive #1110 - Photo 34](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f2454773408r.jpg)

![9860 S Thomas Drive #1110 - Photo 35](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f3877659300r.jpg)

![9860 S Thomas Drive #1110 - Photo 36](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f740946287r.jpg)

![9860 S Thomas Drive #1110 - Photo 37](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f995283679r.jpg)

![9860 S Thomas Drive #1110 - Photo 38](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f4121480227r.jpg)

![9860 S Thomas Drive #1110 - Photo 39](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f2294408951r.jpg)

![9860 S Thomas Drive #1110 - Photo 40](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f3795725658r.jpg)

![9860 S Thomas Drive #1110 - Photo 41](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f4294544456r.jpg)

![9860 S Thomas Drive #1110 - Photo 42](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f3665784797r.jpg)

![9860 S Thomas Drive #1110 - Photo 43](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f643529246r.jpg)

![9860 S Thomas Drive #1110 - Photo 44](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f3187908035r.jpg)

![9860 S Thomas Drive #1110 - Photo 45](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f3393373093r.jpg)

![9860 S Thomas Drive #1110 - Photo 46](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f313433974r.jpg)

![9860 S Thomas Drive #1110 - Photo 47](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f2899930651r.jpg)

![9860 S Thomas Drive #1110 - Photo 48](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f3359530414r.jpg)

![9860 S Thomas Drive #1110 - Photo 49](http://lh.rdcpix.com/9c4b635c9b590e4979334637ce035997l-f3129007869r.jpg)

---

**MLS#:** 975190 | **Updated:** 2026-10-30
**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/9860-s-thomas-drive-panama-city-beach-fl-32408-8565bea8017d43eeae336e9f5ed7a55d)

---

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