# 9900 S Thomas Drive #1704, Panama City, FL 32408

> **TL;DR:** 2bd/3ba condo, $400,000 ($348/sqft), built 2007, 1,148 sqft.
> Waterfront, A/C, 1-car garage. Est. $6,560/mo. Listed 229 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $400,000 |
| Price/sqft | $348 |
| Bedrooms | 2 |
| Bathrooms | 3 full |
| Square Feet | 1,148 |
| Year Built | 2007 |
| Garage | 1-car |
| Property Type | Condo (Condominium) |
| Status | Active |
| Days on Market | 229 |

## Why This Home Stands Out

- **Waterfront** - Waterfront location listed

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $2,023 |
| Estimated Insurance | $117 |
| HOA | $4,420 |
| **Total** | **$6,560** |

## Nearby Schools

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

## Key Amenities

- Waterfront
- A/C
- 1-car garage

## Property Highlights

- Built in 2007
- Waterfront

## Description

### Agent Description
WELCOME TO SHORES OF PANAMA 1704.....Stunning beachfront residence at **Shores of Panama - Unit 1704**. This beautifully appointed 2-bedroom plus private bunk room condominium offers exceptional Gulf views, luxury finishes, and impressive short-term rental potential. With the right management company, projected gross rental income ranges from **$75,000-$80,000 annually**, making it an outstanding investment opportunity. ## Property Overview Unit 1704 is thoughtfully designed for comfort, privacy, and rental performance. - **2 oversized bedrooms**, each featuring a private ensuite full bathroom - **Private bunk room** with its own bathroom and stand-up shower - Spacious open-concept living and dining area - Expansive beachfront balcony with breathtaking Gulf views - Offered **fully furnished** with upscale decor - Well-equipped kitchen with quality cabinetry, appliances, and ample counter space The split-bedroom layout maximizes privacy for guests, making this unit highly desirable for vacation rentals. The additional bunk room with a private bath significantly enhances occupancy potential and guest appeal. ## Investment Highlights This property is approved for **short-term rentals** and has strong income potential. - Estimated **$75,000-$80,000 gross annual income** with professional management - High-demand beachfront location - Turnkey and rental-ready - Strong guest appeal due to layout and amenities With its prime Gulf-front positioning and resort-level amenities, Unit 1704 is designed to generate consistent rental performance while offering owners personal enjoyment. ## Resort-Style Amenities at Shores of Panama Shores of Panama is known for delivering one of the most impressive amenity packages on the Gulf Coast. - **13,966 sq. ft. Gulf-front, zero-entry lagoon-style pool** with hot tub - Heated indoor pool for year-round enjoyment - Two seasonal tiki bars serving lunch and dinner - On-site coffee shop - Fully equipped fitness center - 24/7 on-site security - Direct beach access The lagoon-style pool is a signature feature of the resort and a major draw for vacationers. ## Prime Location Convenience and entertainment are right outside your door. - Adjacent to **Pineapple Willy's**, a local favorite - Walking distance to numerous restaurants, shopping, and entertainment venues - Wal-Mart located directly across the street for everyday essentials This central location enhances rental desirability by offering guests easy access to everything they need without requiring transportation. --- Shores of Panama Unit 1704 delivers the perfect combination of luxury beachfront living and strong investment potential. Whether you are seeking a high-performing vacation rental or a personal Gulf-front retreat, this fully furnished, amenity-rich residence is positioned to exceed expectations.

## Location

- **Address:** 9900 S Thomas Drive #1704, Panama City, FL 32408
- **County:** Bay
- **Neighborhood:** Shores Of Panama Phase I
- **Coordinates:** 30.17512, -85.807396
- **Google Maps:** https://www.google.com/maps?q=30.17512,-85.807396

## 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/9900-S-Thomas-Dr-Unit-1704_Panama-City_FL_32408_M53506-25353?f=listhub&s=BCARFL&m=786779&c=propsimple)

## Photos

![9900 S Thomas Drive #1704 - Photo 1](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f90327037r.jpg)

![9900 S Thomas Drive #1704 - Photo 2](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f266360076r.jpg)

![9900 S Thomas Drive #1704 - Photo 3](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f2649337052r.jpg)

![9900 S Thomas Drive #1704 - Photo 4](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f1940987850r.jpg)

![9900 S Thomas Drive #1704 - Photo 5](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f2059931579r.jpg)

![9900 S Thomas Drive #1704 - Photo 6](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f2285924050r.jpg)

![9900 S Thomas Drive #1704 - Photo 7](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f690426395r.jpg)

![9900 S Thomas Drive #1704 - Photo 8](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f1688645812r.jpg)

![9900 S Thomas Drive #1704 - Photo 9](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f1947043051r.jpg)

![9900 S Thomas Drive #1704 - Photo 10](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f2682918889r.jpg)

![9900 S Thomas Drive #1704 - Photo 11](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f3232961155r.jpg)

![9900 S Thomas Drive #1704 - Photo 12](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f966941888r.jpg)

![9900 S Thomas Drive #1704 - Photo 13](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f3909344281r.jpg)

![9900 S Thomas Drive #1704 - Photo 14](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f2235244511r.jpg)

![9900 S Thomas Drive #1704 - Photo 15](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f1954461999r.jpg)

![9900 S Thomas Drive #1704 - Photo 16](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f2627115000r.jpg)

![9900 S Thomas Drive #1704 - Photo 17](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f3057973407r.jpg)

![9900 S Thomas Drive #1704 - Photo 18](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f158030907r.jpg)

![9900 S Thomas Drive #1704 - Photo 19](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f1261508391r.jpg)

![9900 S Thomas Drive #1704 - Photo 20](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f2429621574r.jpg)

![9900 S Thomas Drive #1704 - Photo 21](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f2749612943r.jpg)

![9900 S Thomas Drive #1704 - Photo 22](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f3894365759r.jpg)

![9900 S Thomas Drive #1704 - Photo 23](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f1285255263r.jpg)

![9900 S Thomas Drive #1704 - Photo 24](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f3494332789r.jpg)

![9900 S Thomas Drive #1704 - Photo 25](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f228334465r.jpg)

![9900 S Thomas Drive #1704 - Photo 26](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f3647314005r.jpg)

![9900 S Thomas Drive #1704 - Photo 27](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f377752890r.jpg)

![9900 S Thomas Drive #1704 - Photo 28](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f1488706256r.jpg)

![9900 S Thomas Drive #1704 - Photo 29](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f3719025598r.jpg)

![9900 S Thomas Drive #1704 - Photo 30](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f1910216665r.jpg)

![9900 S Thomas Drive #1704 - Photo 31](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f28996485r.jpg)

![9900 S Thomas Drive #1704 - Photo 32](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f3751569880r.jpg)

![9900 S Thomas Drive #1704 - Photo 33](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f2585429677r.jpg)

![9900 S Thomas Drive #1704 - Photo 34](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f2117151271r.jpg)

![9900 S Thomas Drive #1704 - Photo 35](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f2705765925r.jpg)

![9900 S Thomas Drive #1704 - Photo 36](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f2570027682r.jpg)

![9900 S Thomas Drive #1704 - Photo 37](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f2709553476r.jpg)

![9900 S Thomas Drive #1704 - Photo 38](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f312740380r.jpg)

![9900 S Thomas Drive #1704 - Photo 39](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f1091571298r.jpg)

![9900 S Thomas Drive #1704 - Photo 40](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f4176509477r.jpg)

![9900 S Thomas Drive #1704 - Photo 41](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f4200700942r.jpg)

![9900 S Thomas Drive #1704 - Photo 42](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f4052365530r.jpg)

![9900 S Thomas Drive #1704 - Photo 43](http://lh.rdcpix.com/6e750b9abab267459ec8e4e6f7419131l-f1105123222r.jpg)

---

**MLS#:** 786779 | **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/9900-s-thomas-drive-panama-city-fl-32408-75294a2d8eec4e318bf88ec54d5727cc)

---

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