# 9860 S Thomas Drive #508, Panama City, FL 32408 > **TL;DR:** 3bd/2ba condo, $369,900 ($293/sqft), built 2008, 1,262 sqft. > A/C. Est. $5,174/mo. Listed 183 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $369,900 | | Price/sqft | $293 | | Bedrooms | 3 | | Bathrooms | 2 full | | Square Feet | 1,262 | | Year Built | 2008 | | Property Type | Condo (Condominium) | | Status | Active | | Days on Market | 183 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,870 | | Estimated Insurance | $108 | | HOA | $3,196 | | **Total** | **$5,174** | ## Nearby Schools - **Elementary:** Breakfast Point - **Middle:** Breakfast Point - **High:** Arnold ## Key Amenities - A/C ## Property Highlights - Built in 2008 ## Description ### Agent Description Experience the best of coastal living with this Gulf-side condo at Laketown Wharf, offering a front-row seat to some of the most incredible Florida sunsets. This spacious 3-bedroom, 2-bathroom residence features a thoughtfully designed floor plan that truly feels like home. A new HVAC was just installed in June 2026. Inside, the open-concept layout creates a seamless flow between the kitchen and living areas--perfect for relaxing or entertaining. The kitchen is well-appointed with granite countertops, stainless steel appliances, and ample space for gathering. The living room has been updated with luxury vinyl plank flooring, adding both style and durability, while the in-unit washer and dryer provide everyday convenience. The Gulf-front primary suite serves as a private retreat, complete with direct balcony access and a spacious en-suite bathroom featuring a double vanity, large soaking tub, and a walk-in shower. Step outside to your expansive private balcony, where you can unwind and take in breathtaking views of the Gulf--an ideal setting for morning coffee or evening sunsets. Laketown Wharf offers an unmatched resort-style experience with an impressive list of amenities, including: Five unique pools, including a rooftop pool and Gulf-view zero-entry pool, Direct gated beach access, Famous nightly fountain show, On-site dining, buffet, and bars, Fitness center, Covered parking. The monthly HOA covers cable TV, WiFi, insurance, security, and all resort amenities, making ownership both convenient and stress-free. Whether you're searching for a primary residence, vacation getaway, or income-producing investment, this Gulf-side condo offers the perfect blend of location, lifestyle, and value. ## Location - **Address:** 9860 S Thomas Drive #508, Panama City, FL 32408 - **County:** Bay - **Neighborhood:** Laketown Wharf - **Coordinates:** 30.177662, -85.8049 - **Google Maps:** https://www.google.com/maps?q=30.177662,-85.8049 ## Listing Agent - **Name:** The Jarrett Group - **Brokerage:** Keller Williams Success Realty - **Broker Phone:** (850) 249-0313 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/9860-S-Thomas-Dr-Unit-508_Panama-City-Beach_FL_32408_M50758-35862?f=listhub&s=BCARFL&m=789951&c=propsimple) ## Photos ![9860 S Thomas Drive #508 - Photo 1](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f1756054236r.jpg) ![9860 S Thomas Drive #508 - Photo 2](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f579802909r.jpg) ![9860 S Thomas Drive #508 - Photo 3](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f3236268245r.jpg) ![9860 S Thomas Drive #508 - Photo 4](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f2319624245r.jpg) ![9860 S Thomas Drive #508 - Photo 5](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f1417618856r.jpg) ![9860 S Thomas Drive #508 - Photo 6](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f1652260389r.jpg) ![9860 S Thomas Drive #508 - Photo 7](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f2600659603r.jpg) ![9860 S Thomas Drive #508 - Photo 8](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f19846923r.jpg) ![9860 S Thomas Drive #508 - Photo 9](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f2174486325r.jpg) ![9860 S Thomas Drive #508 - Photo 10](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f604762039r.jpg) ![9860 S Thomas Drive #508 - Photo 11](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f1380345501r.jpg) ![9860 S Thomas Drive #508 - Photo 12](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f406518147r.jpg) ![9860 S Thomas Drive #508 - Photo 13](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f1101698510r.jpg) ![9860 S Thomas Drive #508 - Photo 14](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f665945592r.jpg) ![9860 S Thomas Drive #508 - Photo 15](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f1280761107r.jpg) ![9860 S Thomas Drive #508 - Photo 16](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f2960845565r.jpg) ![9860 S Thomas Drive #508 - Photo 17](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f3527214175r.jpg) ![9860 S Thomas Drive #508 - Photo 18](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f2033051185r.jpg) ![9860 S Thomas Drive #508 - Photo 19](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f946790962r.jpg) ![9860 S Thomas Drive #508 - Photo 20](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f2244375147r.jpg) ![9860 S Thomas Drive #508 - Photo 21](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f2317742589r.jpg) ![9860 S Thomas Drive #508 - Photo 22](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f1268179371r.jpg) ![9860 S Thomas Drive #508 - Photo 23](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f2503416560r.jpg) ![9860 S Thomas Drive #508 - Photo 24](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f230283352r.jpg) ![9860 S Thomas Drive #508 - Photo 25](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f1173548977r.jpg) ![9860 S Thomas Drive #508 - Photo 26](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f1022248679r.jpg) ![9860 S Thomas Drive #508 - Photo 27](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f858345607r.jpg) ![9860 S Thomas Drive #508 - Photo 28](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f1488749601r.jpg) ![9860 S Thomas Drive #508 - Photo 29](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f990896235r.jpg) ![9860 S Thomas Drive #508 - Photo 30](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f3357402646r.jpg) ![9860 S Thomas Drive #508 - Photo 31](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f2984104508r.jpg) ![9860 S Thomas Drive #508 - Photo 32](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f3462534143r.jpg) ![9860 S Thomas Drive #508 - Photo 33](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f37586569r.jpg) ![9860 S Thomas Drive #508 - Photo 34](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f3468669816r.jpg) ![9860 S Thomas Drive #508 - Photo 35](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f289193267r.jpg) ![9860 S Thomas Drive #508 - Photo 36](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f4008165479r.jpg) ![9860 S Thomas Drive #508 - Photo 37](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f29094345r.jpg) ![9860 S Thomas Drive #508 - Photo 38](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f2624104530r.jpg) ![9860 S Thomas Drive #508 - Photo 39](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f3946950661r.jpg) ![9860 S Thomas Drive #508 - Photo 40](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f1047687562r.jpg) ![9860 S Thomas Drive #508 - Photo 41](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f1534944038r.jpg) ![9860 S Thomas Drive #508 - Photo 42](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f1249282954r.jpg) ![9860 S Thomas Drive #508 - Photo 43](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f3030757329r.jpg) ![9860 S Thomas Drive #508 - Photo 44](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f2009308029r.jpg) ![9860 S Thomas Drive #508 - Photo 45](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f3995113312r.jpg) ![9860 S Thomas Drive #508 - Photo 46](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f122033128r.jpg) ![9860 S Thomas Drive #508 - Photo 47](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f2343496114r.jpg) ![9860 S Thomas Drive #508 - Photo 48](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f268479683r.jpg) ![9860 S Thomas Drive #508 - Photo 49](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f2689026312r.jpg) ![9860 S Thomas Drive #508 - Photo 50](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f1138973309r.jpg) ![9860 S Thomas Drive #508 - Photo 51](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f3365912248r.jpg) ![9860 S Thomas Drive #508 - Photo 52](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f3206523390r.jpg) ![9860 S Thomas Drive #508 - Photo 53](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f2419535455r.jpg) ![9860 S Thomas Drive #508 - Photo 54](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f3886122645r.jpg) ![9860 S Thomas Drive #508 - Photo 55](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f2072038725r.jpg) ![9860 S Thomas Drive #508 - Photo 56](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f3781405488r.jpg) ![9860 S Thomas Drive #508 - Photo 57](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f563136497r.jpg) ![9860 S Thomas Drive #508 - Photo 58](http://lh.rdcpix.com/f55c3104d1f44d3097ef3d08592d9731l-f3018761011r.jpg) --- **MLS#:** 789951 | **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/9860-s-thomas-drive-panama-city-fl-32408-97eb82da9433439ea7150651324e2881) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/9860-s-thomas-drive-panama-city-fl-32408-97eb82da9433439ea7150651324e2881#listing", "url": "https://www.propertysimple.ai/listing/9860-s-thomas-drive-panama-city-fl-32408-97eb82da9433439ea7150651324e2881", "name": "9860 S Thomas Drive #508, Panama City, FL 32408", "description": "Experience the best of coastal living with this Gulf-side condo at Laketown Wharf, offering a front-row seat to some of the most incredible Florida sunsets. This spacious 3-bedroom, 2-bathroom residence features a thoughtfully designed floor plan that truly feels like home. 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Laketown Wharf offers an unmatched resort-style experience with an impressive list of amenities, including: Five unique pools, including a rooftop pool and Gulf-view zero-entry pool, Direct gated beach access, Famous nightly fountain show, On-site dining, buffet, and bars, Fitness center, Covered parking. The monthly HOA covers cable TV, WiFi, insurance, security, and all resort amenities, making ownership both convenient and stress-free. 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