# 9902 S Thomas Drive #431, Panama City Beach, FL 32408

> **TL;DR:** 3bd/2ba condo, $319,900 ($253/sqft), built 2007, 1,262 sqft.
> Waterfront, View, A/C. Est. $4,494/mo. Listed 579 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $319,900 |
| Price/sqft | $253 |
| Bedrooms | 3 |
| Bathrooms | 2 full |
| Square Feet | 1,262 |
| Year Built | 2007 |
| Property Type | Condo (Condominium) |
| Status | Active |
| Days on Market | 579 |

## Why This Home Stands Out

- **Waterfront** - Waterfront location listed
- **Views** - Lake

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $1,618 |
| Estimated Insurance | $93 |
| HOA | $2,783 |
| **Total** | **$4,494** |

## Nearby Schools

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

## Key Amenities

- Waterfront
- View
- A/C

## Property Highlights

- Built in 2007
- Waterfront

## Description

### Agent Description
Laketown Wharf #431, a beautifully furnished 3-bedroom, 2-bath condo with breathtaking views and a prime location in the heart of Panama City Beach. From your private, lake-facing balcony, you can enjoy many quiet times. This spacious condo comes with new stainless steel appliances and is fully furnished and turnkey ready, making it ideal as a second home, vacation getaway, or investment property. All you need to bring are your sandals and sunscreen! Laketown Wharf offers resort-style amenities, including three sparkling pools, a full fitness center, a coffee bar, and several onsite restaurants. Just across the street from iconic Pineapple Willy's, you're also surrounded by premier dining, golf, shopping, entertainment, and family-friendly attractions. Don't miss your chance to own a piece of paradise. Come see #431 todayyour beach life starts now!

## Location

- **Address:** 9902 S Thomas Drive #431, Panama City Beach, FL 32408
- **County:** Bay
- **Neighborhood:** Laketown Wharf
- **Coordinates:** 30.177617, -85.804442
- **Google Maps:** https://www.google.com/maps?q=30.177617,-85.804442

## Listing Agent

- **Name:** Bubba McCants · **License:** 3062634
- **Brokerage:** EXP REALTY LLC
- **Broker Phone:** (888) 883-8509
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/9902-S-Thomas-Dr-Unit-431_Panama-City-Beach_FL_32408_M52334-90395?f=listhub&s=ECARMLSFL&m=975806&c=propsimple)

## Photos

![9902 S Thomas Drive #431 - Photo 1](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f3082098314r.jpg)

![9902 S Thomas Drive #431 - Photo 2](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f3136806797r.jpg)

![9902 S Thomas Drive #431 - Photo 3](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f2752184849r.jpg)

![9902 S Thomas Drive #431 - Photo 4](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f1680687846r.jpg)

![9902 S Thomas Drive #431 - Photo 5](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f3603343030r.jpg)

![9902 S Thomas Drive #431 - Photo 6](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f3578929085r.jpg)

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![9902 S Thomas Drive #431 - Photo 8](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f1070190256r.jpg)

![9902 S Thomas Drive #431 - Photo 9](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f825026286r.jpg)

![9902 S Thomas Drive #431 - Photo 10](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f749990159r.jpg)

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![9902 S Thomas Drive #431 - Photo 18](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f1665580547r.jpg)

![9902 S Thomas Drive #431 - Photo 19](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f2015111958r.jpg)

![9902 S Thomas Drive #431 - Photo 20](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f150509814r.jpg)

![9902 S Thomas Drive #431 - Photo 21](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f3029574386r.jpg)

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![9902 S Thomas Drive #431 - Photo 24](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f4046294941r.jpg)

![9902 S Thomas Drive #431 - Photo 25](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f1387683290r.jpg)

![9902 S Thomas Drive #431 - Photo 26](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f1836176098r.jpg)

![9902 S Thomas Drive #431 - Photo 27](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f84175111r.jpg)

![9902 S Thomas Drive #431 - Photo 28](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f66438001r.jpg)

![9902 S Thomas Drive #431 - Photo 29](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f366457899r.jpg)

![9902 S Thomas Drive #431 - Photo 30](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f3890508487r.jpg)

![9902 S Thomas Drive #431 - Photo 31](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f2222798384r.jpg)

![9902 S Thomas Drive #431 - Photo 32](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f3456516595r.jpg)

![9902 S Thomas Drive #431 - Photo 33](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f582031328r.jpg)

![9902 S Thomas Drive #431 - Photo 34](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f508709843r.jpg)

![9902 S Thomas Drive #431 - Photo 35](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f4242904644r.jpg)

![9902 S Thomas Drive #431 - Photo 36](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f2424030797r.jpg)

![9902 S Thomas Drive #431 - Photo 37](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f1232037370r.jpg)

![9902 S Thomas Drive #431 - Photo 38](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f4014274851r.jpg)

![9902 S Thomas Drive #431 - Photo 39](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f3777220683r.jpg)

![9902 S Thomas Drive #431 - Photo 40](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f449601812r.jpg)

![9902 S Thomas Drive #431 - Photo 41](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f3246740854r.jpg)

![9902 S Thomas Drive #431 - Photo 42](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f612844890r.jpg)

![9902 S Thomas Drive #431 - Photo 43](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f1522006630r.jpg)

![9902 S Thomas Drive #431 - Photo 44](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f3908632448r.jpg)

![9902 S Thomas Drive #431 - Photo 45](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f236493438r.jpg)

![9902 S Thomas Drive #431 - Photo 46](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f3883369686r.jpg)

![9902 S Thomas Drive #431 - Photo 47](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f101039639r.jpg)

![9902 S Thomas Drive #431 - Photo 48](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f1462025978r.jpg)

![9902 S Thomas Drive #431 - Photo 49](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f1134385589r.jpg)

![9902 S Thomas Drive #431 - Photo 50](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f2451506655r.jpg)

![9902 S Thomas Drive #431 - Photo 51](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f1492516181r.jpg)

![9902 S Thomas Drive #431 - Photo 52](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f2103491168r.jpg)

![9902 S Thomas Drive #431 - Photo 53](http://lh.rdcpix.com/72ca9fa1732b47466c41164e915159fel-f2587672270r.jpg)

---

**MLS#:** 975806 | **Updated:** 2026-10-31
**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/9902-s-thomas-drive-panama-city-beach-fl-32408-f933df0d8fc14685b17c7b768f5e9cbd)

---

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