# 9900 S Thomas Drive #228, Panama City, FL 32408 > **TL;DR:** 3bd/3ba condo, $659,000 ($432/sqft), built 2007, 1,525 sqft. > Waterfront, 2-car garage. Est. $8,647/mo. Listed 335 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $659,000 | | Price/sqft | $432 | | Bedrooms | 3 | | Bathrooms | 3 full | | Square Feet | 1,525 | | Year Built | 2007 | | Garage | 2-car | | Property Type | Condo (Condominium) | | Status | Active | | Days on Market | 335 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $3,332 | | Estimated Insurance | $192 | | HOA | $5,123 | | **Total** | **$8,647** | ## Nearby Schools - **Elementary:** Breakfast Point - **Middle:** Breakfast Point - **High:** Arnold ## Key Amenities - Waterfront - 2-car garage ## Property Highlights - Built in 2007 - Waterfront ## Description ### Agent Description This is the largest floor plan at Shores of Panama with 3 bedrooms plus bunk and full laundry room. This unit was completely remodeled with new granite countertops-new cabinets-new flooring-new furniture-new appliances three years ago. Brand new washer and dryer. This unit is a beauty and can easily accommodate two families generating nice revenue as a short-term rental or a lovely vacation home for the family. Shores of Panama boasts the largest lagoon style pool on the beach along with a large amenity package including, tiki bar, tiki snack hut, coffee/ice cream shop, indoor pool, banquet room and pizza hut. This desirable lower level unit means you don't have to hassle with elevators and your DEEDED covered parking space is just steps away. Easy to show and over $80K in revenue from 2025! ## Location - **Address:** 9900 S Thomas Drive #228, Panama City, FL 32408 - **County:** Bay - **Neighborhood:** Shores Of Panama Phase II - **Coordinates:** 30.174908, -85.806431 - **Google Maps:** https://www.google.com/maps?q=30.174908,-85.806431 ## Listing Agent - **Name:** Joseph Echols - **Brokerage:** Hitchcock Real Estate LLC - **Broker Phone:** (850) 866-2158 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/9900-S-Thomas-Dr-Unit-228_Panama-City_FL_32408_M93064-42279?f=listhub&s=BCARFL&m=782253&c=propsimple) ## Photos ![9900 S Thomas Drive #228 - Photo 1](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f2218652322r.jpg) ![9900 S Thomas Drive #228 - Photo 2](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f3153375240r.jpg) ![9900 S Thomas Drive #228 - Photo 3](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f2194322566r.jpg) ![9900 S Thomas Drive #228 - Photo 4](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f2423362609r.jpg) ![9900 S Thomas Drive #228 - Photo 5](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f1127549517r.jpg) ![9900 S Thomas Drive #228 - Photo 6](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f4136131008r.jpg) ![9900 S Thomas Drive #228 - Photo 7](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f102633799r.jpg) ![9900 S Thomas Drive #228 - Photo 8](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f1353158427r.jpg) ![9900 S Thomas Drive #228 - Photo 9](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f4025339588r.jpg) ![9900 S Thomas Drive #228 - Photo 10](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f277656958r.jpg) ![9900 S Thomas Drive #228 - Photo 11](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f1339914967r.jpg) ![9900 S Thomas Drive #228 - Photo 12](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f2474157154r.jpg) ![9900 S Thomas Drive #228 - Photo 13](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f3834604189r.jpg) ![9900 S Thomas Drive #228 - Photo 14](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f2187959461r.jpg) ![9900 S Thomas Drive #228 - Photo 15](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f2302527651r.jpg) ![9900 S Thomas Drive #228 - Photo 16](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f676931773r.jpg) ![9900 S Thomas Drive #228 - Photo 17](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f1804417733r.jpg) ![9900 S Thomas Drive #228 - Photo 18](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f508891248r.jpg) ![9900 S Thomas Drive #228 - Photo 19](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f1340240598r.jpg) ![9900 S Thomas Drive #228 - Photo 20](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f1669272419r.jpg) ![9900 S Thomas Drive #228 - Photo 21](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f1669272419r.jpg) ![9900 S Thomas Drive #228 - Photo 22](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f1768242910r.jpg) ![9900 S Thomas Drive #228 - Photo 23](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f3110294443r.jpg) ![9900 S Thomas Drive #228 - Photo 24](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f172380830r.jpg) ![9900 S Thomas Drive #228 - Photo 25](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f1203982848r.jpg) ![9900 S Thomas Drive #228 - Photo 26](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f2459497768r.jpg) ![9900 S Thomas Drive #228 - Photo 27](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f438608931r.jpg) ![9900 S Thomas Drive #228 - Photo 28](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f3203333823r.jpg) ![9900 S Thomas Drive #228 - Photo 29](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f1059927188r.jpg) ![9900 S Thomas Drive #228 - Photo 30](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f2256587125r.jpg) ![9900 S Thomas Drive #228 - Photo 31](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f1722453876r.jpg) ![9900 S Thomas Drive #228 - Photo 32](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f651233681r.jpg) ![9900 S Thomas Drive #228 - Photo 33](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f2440876417r.jpg) ![9900 S Thomas Drive #228 - Photo 34](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f713592301r.jpg) ![9900 S Thomas Drive #228 - Photo 35](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f48359193r.jpg) ![9900 S Thomas Drive #228 - Photo 36](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f2233530988r.jpg) ![9900 S Thomas Drive #228 - Photo 37](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f2051300329r.jpg) ![9900 S Thomas Drive #228 - Photo 38](http://lh.rdcpix.com/7fef19d008528ea83263ff3b88eed0f6l-f3534237158r.jpg) --- **MLS#:** 782253 | **Updated:** 2026-11-01 **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-c5fc4176d91a428b907e2d458610419f) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/9900-s-thomas-drive-panama-city-fl-32408-c5fc4176d91a428b907e2d458610419f#listing", "url": "https://www.propertysimple.ai/listing/9900-s-thomas-drive-panama-city-fl-32408-c5fc4176d91a428b907e2d458610419f", "name": "9900 S Thomas Drive #228, Panama City, FL 32408", "description": "This is the largest floor plan at Shores of Panama with 3 bedrooms plus bunk and full laundry room. This unit was completely remodeled with new granite countertops-new cabinets-new flooring-new furniture-new appliances three years ago. Brand new washer and dryer. 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