# 9900 S Thomas Drive #1103, Panama City Beach, FL 32408 > **TL;DR:** 2bd/3ba condo, $585,000 ($517/sqft), built 2007, 1,131 sqft. > Waterfront, A/C, 2-car garage. Est. $7,483/mo. Listed 181 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $585,000 | | Price/sqft | $517 | | Bedrooms | 2 | | Bathrooms | 2 full, 1 half | | Square Feet | 1,131 | | Year Built | 2007 | | Stories | 1 | | Garage | 2-car | | Property Type | Condo (Condominium) | | Status | Active | | Days on Market | 181 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,958 | | Estimated Insurance | $171 | | HOA | $4,354 | | **Total** | **$7,483** | ## Nearby Schools - **Elementary:** Breakfast Point - **Middle:** Surfside - **High:** Arnold ## Key Amenities - Waterfront - A/C - 2-car garage ## Property Highlights - Built in 2007 - 2 parking spaces - Waterfront ## Description ### Agent Description Experience one of the most desirable layouts at the Shores of Panama - 1103 is the E floor plan with a wraparound balcony and unobstructed Gulf views. Also rare, is this residence conveys with TWO DEEDED PARKING SPACES, one on the same floor (Level 11) and an additional space on Level 12. Sold fully furnished, this turn-key unit is ready to enjoy, rent, or both. Designed to live like a 3-bedroom, this residence features 2 primary suites, one is Gulf front with direct balcony access. It also features a large bunk room and 2.5 BATHS. This unit has demonstrated impressive rental performance generating approximately $70,000 in 2024, and $78,000 for 2025. Shores of Panama is one of Panama City Beach's premier Gulf-front resorts, known for its iconic 14,000sf Gulf front lagoon pool, featuring zero-entry access, tropical palm-lined islands, fountains, and an expansive beachfront hot tub. Additional amenities include an indoor heated pool and spa, 24-hour fitness center, seasonal tiki bar, covered parking, and on-site security. The location places you in the heart of it all--adjacent to Pineapple Willy's for beachfront dining, and just across the street from Laketown Wharf offering a variety of restaurants, coffee shops, entertainment, and retail. Nearby attractions include Pier Park, Topgolf Panama City Beach, and Pirates Voyage Dinner & Show, with continued growth and new venues enhancing the area's appeal. Whether you're seeking a primary residence, second home, or high-performing income property, this is a standout opportunity in one of the Gulf Coast's most recognizable resort destinations. All information, including dimensions and HOA details, is deemed reliable but should be verified by buyers if important. ## Location - **Address:** 9900 S Thomas Drive #1103, Panama City Beach, FL 32408 - **County:** Bay - **Neighborhood:** SHORES OF PANAMA - **Coordinates:** 30.175632, -85.806293 - **Google Maps:** https://www.google.com/maps?q=30.175632,-85.806293 ## Listing Agent - **Name:** Tami Moats · **License:** 3220204 - **Brokerage:** The Premier Property Group, LLC - **Broker Phone:** (850) 213-5000 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/9900-S-Thomas-Dr-Unit-1103_Panama-City-Beach_FL_32408_M96428-67307?f=listhub&s=ECARMLSFL&m=1001972&c=propsimple) ## Photos ![9900 S Thomas Drive #1103 - Photo 1](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f1915213561r.jpg) ![9900 S Thomas Drive #1103 - Photo 2](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f3216845089r.jpg) ![9900 S Thomas Drive #1103 - Photo 3](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f1369804024r.jpg) ![9900 S Thomas Drive #1103 - Photo 4](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f4249929136r.jpg) ![9900 S Thomas Drive #1103 - Photo 5](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f3098235659r.jpg) ![9900 S Thomas Drive #1103 - Photo 6](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f1886719789r.jpg) ![9900 S Thomas Drive #1103 - Photo 7](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f2783545803r.jpg) ![9900 S Thomas Drive #1103 - Photo 8](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f32845785r.jpg) ![9900 S Thomas Drive #1103 - Photo 9](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f2113729182r.jpg) ![9900 S Thomas Drive #1103 - Photo 10](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f4294758153r.jpg) ![9900 S Thomas Drive #1103 - Photo 11](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f882115459r.jpg) ![9900 S Thomas Drive #1103 - Photo 12](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f279019467r.jpg) ![9900 S Thomas Drive #1103 - Photo 13](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f2412270418r.jpg) ![9900 S Thomas Drive #1103 - Photo 14](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f3054865774r.jpg) ![9900 S Thomas Drive #1103 - Photo 15](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f4279566163r.jpg) ![9900 S Thomas Drive #1103 - Photo 16](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f1866018812r.jpg) ![9900 S Thomas Drive #1103 - Photo 17](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f979600482r.jpg) ![9900 S Thomas Drive #1103 - Photo 18](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f2805524342r.jpg) ![9900 S Thomas Drive #1103 - Photo 19](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f4170039812r.jpg) ![9900 S Thomas Drive #1103 - Photo 20](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f4231166698r.jpg) ![9900 S Thomas Drive #1103 - Photo 21](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f593075144r.jpg) ![9900 S Thomas Drive #1103 - Photo 22](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f3817966899r.jpg) ![9900 S Thomas Drive #1103 - Photo 23](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f4015432975r.jpg) ![9900 S Thomas Drive #1103 - Photo 24](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f727336289r.jpg) ![9900 S Thomas Drive #1103 - Photo 25](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f3677210894r.jpg) ![9900 S Thomas Drive #1103 - Photo 26](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f81064349r.jpg) ![9900 S Thomas Drive #1103 - Photo 27](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f3638423529r.jpg) ![9900 S Thomas Drive #1103 - Photo 28](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f1406567086r.jpg) ![9900 S Thomas Drive #1103 - Photo 29](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f2377530708r.jpg) ![9900 S Thomas Drive #1103 - Photo 30](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f3672503027r.jpg) ![9900 S Thomas Drive #1103 - Photo 31](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f1650227761r.jpg) ![9900 S Thomas Drive #1103 - Photo 32](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f686863598r.jpg) ![9900 S Thomas Drive #1103 - Photo 33](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f627424399r.jpg) ![9900 S Thomas Drive #1103 - Photo 34](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f1814534559r.jpg) ![9900 S Thomas Drive #1103 - Photo 35](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f2953919082r.jpg) ![9900 S Thomas Drive #1103 - Photo 36](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f3402676067r.jpg) ![9900 S Thomas Drive #1103 - Photo 37](http://lh.rdcpix.com/2f8cb08d46918c99aa7564094df553b0l-f2761644485r.jpg) --- **MLS#:** 1001972 | **Updated:** 2026-10-26 **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/9900-s-thomas-drive-panama-city-beach-fl-32408-2f4a92c7d8d54ccaa1f462eae9f0f7d4) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/9900-s-thomas-drive-panama-city-beach-fl-32408-2f4a92c7d8d54ccaa1f462eae9f0f7d4#listing", "url": "https://www.propertysimple.ai/listing/9900-s-thomas-drive-panama-city-beach-fl-32408-2f4a92c7d8d54ccaa1f462eae9f0f7d4", "name": "9900 S Thomas Drive #1103, Panama City Beach, FL 32408", "description": "Experience one of the most desirable layouts at the Shores of Panama - 1103 is the E floor plan with a wraparound balcony and unobstructed Gulf views. Also rare, is this residence conveys with TWO DEEDED PARKING SPACES, one on the same floor (Level 11) and an additional space on Level 12. Sold fully furnished, this turn-key unit is ready to enjoy, rent, or both. Designed to live like a 3-bedroom, this residence features 2 primary suites, one is Gulf front with direct balcony access. It also features a large bunk room and 2.5 BATHS. This unit has demonstrated impressive rental performance generating approximately $70,000 in 2024, and $78,000 for 2025. Shores of Panama is one of Panama City Beach's premier Gulf-front resorts, known for its iconic 14,000sf Gulf front lagoon pool, featuring zero-entry access, tropical palm-lined islands, fountains, and an expansive beachfront hot tub. Additional amenities include an indoor heated pool and spa, 24-hour fitness center, seasonal tiki bar, covered parking, and on-site security. The location places you in the heart of it all--adjacent to Pineapple Willy's for beachfront dining, and just across the street from Laketown Wharf offering a variety of restaurants, coffee shops, entertainment, and retail. Nearby attractions include Pier Park, Topgolf Panama City Beach, and Pirates Voyage Dinner & Show, with continued growth and new venues enhancing the area's appeal. Whether you're seeking a primary residence, second home, or high-performing income property, this is a standout opportunity in one of the Gulf Coast's most recognizable resort destinations. 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