# 9900 S Thomas Drive #1903, Panama City Beach, FL 32408 > **TL;DR:** 2bd/3ba condo, $604,000 ($534/sqft), built 2007, 1,131 sqft. > Waterfront, View, A/C, 1-car garage. Est. $7,584/mo. Listed 141 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $604,000 | | Price/sqft | $534 | | Bedrooms | 2 | | Bathrooms | 2 full, 1 half | | Square Feet | 1,131 | | Year Built | 2007 | | Garage | 1-car | | Property Type | Condo (Condominium) | | Status | Active | | Days on Market | 141 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed - **Views** - Water ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $3,054 | | Estimated Insurance | $176 | | HOA | $4,354 | | **Total** | **$7,584** | ## Nearby Schools - **Elementary:** Breakfast Point - **Middle:** Surfside - **High:** Arnold ## Key Amenities - Waterfront - View - A/C - 1-car garage ## Property Highlights - Built in 2007 - Waterfront ## Description ### Agent Description Welcome to an extraordinary Gulf-front escape soaring above the sugar-white sands of Panama City Beach from the 19th floor of the renowned Shores of Panama Resort. Offering spectacular panoramic views of the emerald-green waters of the Gulf of Mexico, endless coastline, and the resort's stunning lagoon-style pool, this exceptional residence captures the very essence of luxury coastal living. Beautifully appointed and offered fully furnished, this turnkey 2-bedroom, 3-bath condominium is ready to be enjoyed from day one. Floor-to-ceiling views create a breathtaking backdrop throughout the main living areas, while the expansive private balcony provides the perfect setting to enjoy morning coffee above the shoreline, watch dolphins play in the surf, or unwind as the sun melts into the horizon. Recently renovated bathrooms add a fresh and sophisticated touch, while the thoughtfully designed floor plan offers both comfort and functionality. In addition to the spacious bedrooms, the residence includes a versatile bunk alcove conveniently located adjacent to the half bath, providing additional flexibility for hosting family and guests. Every detail needed for immediate enjoyment is already in place, with furniture, appliances, decor, and household contents conveying with the sale. Whether seeking a personal beachfront sanctuary, a luxury vacation retreat, or a rental-ready investment opportunity, this residence is positioned to deliver an exceptional ownership experience. Included with the property is reserved covered parkin space 8th floor, 1903, within the resort's private parking garage, providing convenience and peace of mind. Shores of Panama remains one of Panama City Beach's most sought-after beachfront destinations, celebrated for its direct beach access, breathtaking tropical lagoon-style pool, indoor pool, hot tubs, fitness center, and impressive resort-style amenities. Ongoing community improvements and enhancements continue to elevate the property's appeal and long-term value. Rarely does an opportunity arise to own a residence that combines such captivating Gulf views, resort luxury, turnkey convenience, and an unbeatable beachfront location. From the moment you step inside, you'll understand why Shores of Panama continues to be one of the most desirable addresses on the Emerald Coast. Buyer to verify all measurements, dimensions, square footage, and any information deemed important. ## Location - **Address:** 9900 S Thomas Drive #1903, Panama City Beach, FL 32408 - **County:** Bay - **Neighborhood:** Shores Of Panama Phase I - **Coordinates:** 30.176134, -85.806568 - **Google Maps:** https://www.google.com/maps?q=30.176134,-85.806568 ## Listing Agent - **Name:** Opey W Russ · **License:** 3094016 - **Brokerage:** Gulf Life Real Estate, Inc. - **Broker Phone:** (850) 699-1996 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/9900-S-Thomas-Dr-Unit-1903_Panama-City-Beach_FL_32408_M57196-01227?f=listhub&s=BCARFL&m=791382&c=propsimple) ## Photos ![9900 S Thomas Drive #1903 - Photo 1](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f489649608r.jpg) ![9900 S Thomas Drive #1903 - Photo 2](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f4147084721r.jpg) ![9900 S Thomas Drive #1903 - Photo 3](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f3363496890r.jpg) ![9900 S Thomas Drive #1903 - Photo 4](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f2030660486r.jpg) ![9900 S Thomas Drive #1903 - Photo 5](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f2401129375r.jpg) ![9900 S Thomas Drive #1903 - Photo 6](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f4251866488r.jpg) ![9900 S Thomas Drive #1903 - Photo 7](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f2124236589r.jpg) ![9900 S Thomas Drive #1903 - Photo 8](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f1613151061r.jpg) ![9900 S Thomas Drive #1903 - Photo 9](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f1925281231r.jpg) ![9900 S Thomas Drive #1903 - Photo 10](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f1269574124r.jpg) ![9900 S Thomas Drive #1903 - Photo 11](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f2770549081r.jpg) ![9900 S Thomas Drive #1903 - Photo 12](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f259825822r.jpg) ![9900 S Thomas Drive #1903 - Photo 13](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f1218732927r.jpg) ![9900 S Thomas Drive #1903 - Photo 14](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f3016999827r.jpg) ![9900 S Thomas Drive #1903 - Photo 15](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f579648108r.jpg) ![9900 S Thomas Drive #1903 - Photo 16](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f501541579r.jpg) ![9900 S Thomas Drive #1903 - Photo 17](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f1153744584r.jpg) ![9900 S Thomas Drive #1903 - Photo 18](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f1630843264r.jpg) ![9900 S Thomas Drive #1903 - Photo 19](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f807969928r.jpg) ![9900 S Thomas Drive #1903 - Photo 20](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f1397954465r.jpg) ![9900 S Thomas Drive #1903 - Photo 21](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f592572928r.jpg) ![9900 S Thomas Drive #1903 - Photo 22](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f410652207r.jpg) ![9900 S Thomas Drive #1903 - Photo 23](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f548808763r.jpg) ![9900 S Thomas Drive #1903 - Photo 24](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f2762494923r.jpg) ![9900 S Thomas Drive #1903 - Photo 25](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f3028522667r.jpg) ![9900 S Thomas Drive #1903 - Photo 26](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f990756708r.jpg) ![9900 S Thomas Drive #1903 - Photo 27](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f3674930481r.jpg) ![9900 S Thomas Drive #1903 - Photo 28](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f2571448581r.jpg) ![9900 S Thomas Drive #1903 - Photo 29](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f2283162260r.jpg) ![9900 S Thomas Drive #1903 - Photo 30](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f813435203r.jpg) ![9900 S Thomas Drive #1903 - Photo 31](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f3088355937r.jpg) ![9900 S Thomas Drive #1903 - Photo 32](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f1409748916r.jpg) ![9900 S Thomas Drive #1903 - Photo 33](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f3082326072r.jpg) ![9900 S Thomas Drive #1903 - Photo 34](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f1656133032r.jpg) ![9900 S Thomas Drive #1903 - Photo 35](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f745851828r.jpg) ![9900 S Thomas Drive #1903 - Photo 36](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f506395327r.jpg) ![9900 S Thomas Drive #1903 - Photo 37](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f3507939267r.jpg) ![9900 S Thomas Drive #1903 - Photo 38](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f3309594443r.jpg) ![9900 S Thomas Drive #1903 - Photo 39](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f3065480774r.jpg) ![9900 S Thomas Drive #1903 - Photo 40](http://lh.rdcpix.com/014a2c194d4b256faf15d1d6babdbac0l-f3996500459r.jpg) --- **MLS#:** 791382 | **Updated:** 2026-10-31 **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/9900-s-thomas-drive-panama-city-beach-fl-32408-920090169c3a41b19853572c4f524262) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/9900-s-thomas-drive-panama-city-beach-fl-32408-920090169c3a41b19853572c4f524262#listing", "url": "https://www.propertysimple.ai/listing/9900-s-thomas-drive-panama-city-beach-fl-32408-920090169c3a41b19853572c4f524262", "name": "9900 S Thomas Drive #1903, Panama City Beach, FL 32408", "description": "Welcome to an extraordinary Gulf-front escape soaring above the sugar-white sands of Panama City Beach from the 19th floor of the renowned Shores of Panama Resort. Offering spectacular panoramic views of the emerald-green waters of the Gulf of Mexico, endless coastline, and the resort's stunning lagoon-style pool, this exceptional residence captures the very essence of luxury coastal living. Beautifully appointed and offered fully furnished, this turnkey 2-bedroom, 3-bath condominium is ready to be enjoyed from day one. Floor-to-ceiling views create a breathtaking backdrop throughout the main living areas, while the expansive private balcony provides the perfect setting to enjoy morning coffee above the shoreline, watch dolphins play in the surf, or unwind as the sun melts into the horizon. Recently renovated bathrooms add a fresh and sophisticated touch, while the thoughtfully designed floor plan offers both comfort and functionality. In addition to the spacious bedrooms, the residence includes a versatile bunk alcove conveniently located adjacent to the half bath, providing additional flexibility for hosting family and guests. Every detail needed for immediate enjoyment is already in place, with furniture, appliances, decor, and household contents conveying with the sale. Whether seeking a personal beachfront sanctuary, a luxury vacation retreat, or a rental-ready investment opportunity, this residence is positioned to deliver an exceptional ownership experience. Included with the property is reserved covered parkin space 8th floor, 1903, within the resort's private parking garage, providing convenience and peace of mind. Shores of Panama remains one of Panama City Beach's most sought-after beachfront destinations, celebrated for its direct beach access, breathtaking tropical lagoon-style pool, indoor pool, hot tubs, fitness center, and impressive resort-style amenities. Ongoing community improvements and enhancements continue to elevate the property's appeal and long-term value. Rarely does an opportunity arise to own a residence that combines such captivating Gulf views, resort luxury, turnkey convenience, and an unbeatable beachfront location. From the moment you step inside, you'll understand why Shores of Panama continues to be one of the most desirable addresses on the Emerald Coast. 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