# 9902 S Thomas Drive #130, Panama City, FL 32408 > **TL;DR:** 2bd/2ba condo, $414,000 ($328/sqft), built 2007, 1,262 sqft. > View, A/C. Est. $5,216/mo. Listed 281 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $414,000 | | Price/sqft | $328 | | Bedrooms | 2 | | Bathrooms | 2 full | | Square Feet | 1,262 | | Year Built | 2007 | | Property Type | Condo (Condominium) | | Status | Active | | Days on Market | 281 | ## Why This Home Stands Out - **Views** - Lake ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,093 | | Estimated Insurance | $121 | | HOA | $3,002 | | **Total** | **$5,216** | ## Nearby Schools - **Elementary:** Breakfast Point - **Middle:** Breakfast Point - **High:** Arnold ## Key Amenities - View - A/C ## Property Highlights - Built in 2007 ## Description ### Agent Description This exceptional first-floor residence offers the best of both worlds: calm lake views and easy access, all without the wait or hassle of elevators. From the moment you step inside, the coastal design and sophistication set this unit apart. The beautifully updated kitchen is a true showpiece, featuring crisp cabinetry, upgraded countertops, modern appliances, and a striking turquoise backsplash bringing the Gulf's colors indoors. The open-concept living and dining space is light-filled and inviting--perfect for entertaining or unwinding after a day at the beach. This unit offers two spacious bedrooms plus a stylish bunk room, ideal for guests or family. With the addition of a barn door, the bunk room easily functions as a third bedroom offering privacy, adding flexibility and value. The primary suite is a peaceful retreat, positioned directly on the lake with soothing water views that make mornings and evenings feel extra special. Step out onto the large private balcony spanning the width of the unit to enjoy lake life and take in the nightly light show, visible both outdoors and from the comfort of the living area inside. Beautiful design touches flow throughout the home, blending coastal charm with modern comfort. From the furnishings to the finishes, every detail reflects the essence of the perfect beach getaway. Whether used as a primary residence, second home, or investment property, this first-floor unit with water views is a rare opportunity--where beauty, convenience, and coastal elegance come together seamlessly. As part of a large resort, you'll have access to world-class amenities, including the newest addition of 810 Billiards & Bowling as fun for the whole family on property, five pools (one zero-entry, heated, and a dedicated kiddie pool), two hot tubs, a state-of-the-art fitness center, and a putting green. Enjoy the convenience of multiple onsite dining options and a boardwalk that showcases a stunning nightly water fountain light show. Don't miss this opportunity to own a piece of paradise with solid rental returns and endless coastal charm! All measurements to be verified by buyer if deemed important. ## Location - **Address:** 9902 S Thomas Drive #130, Panama City, FL 32408 - **County:** Bay - **Neighborhood:** Laketown Wharf - **Coordinates:** 30.177616, -85.804424 - **Google Maps:** https://www.google.com/maps?q=30.177616,-85.804424 ## Listing Agent - **Name:** Heather Fox · **License:** SL3392228 - **Brokerage:** Beachy Beach Real Estate - **Broker Phone:** (850) 527-5651 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/9902-S-Thomas-Dr-Unit-130_Panama-City-Beach_FL_32408_M63126-58377?f=listhub&s=BCARFL&m=784170&c=propsimple) ## Photos ![9902 S Thomas Drive #130 - Photo 1](http://lh.rdcpix.com/d52f78b25b4d1bca3b5e673f2b93e46fl-f2803484484r.jpg) ![9902 S Thomas Drive #130 - Photo 2](http://lh.rdcpix.com/d52f78b25b4d1bca3b5e673f2b93e46fl-f1345385247r.jpg) ![9902 S Thomas Drive #130 - Photo 3](http://lh.rdcpix.com/d52f78b25b4d1bca3b5e673f2b93e46fl-f1479027807r.jpg) ![9902 S Thomas Drive #130 - 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Photo 103](http://lh.rdcpix.com/d52f78b25b4d1bca3b5e673f2b93e46fl-f1504573122r.jpg) --- **MLS#:** 784170 | **Updated:** 2026-10-25 **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/9902-s-thomas-drive-panama-city-fl-32408-d8124648c8c94f29b459bc1365e74164) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/9902-s-thomas-drive-panama-city-fl-32408-d8124648c8c94f29b459bc1365e74164#listing", "url": "https://www.propertysimple.ai/listing/9902-s-thomas-drive-panama-city-fl-32408-d8124648c8c94f29b459bc1365e74164", "name": "9902 S Thomas Drive #130, Panama City, FL 32408", "description": "This exceptional first-floor residence offers the best of both worlds: calm lake views and easy access, all without the wait or hassle of elevators. From the moment you step inside, the coastal design and sophistication set this unit apart. The beautifully updated kitchen is a true showpiece, featuring crisp cabinetry, upgraded countertops, modern appliances, and a striking turquoise backsplash bringing the Gulf's colors indoors. The open-concept living and dining space is light-filled and inviting--perfect for entertaining or unwinding after a day at the beach. This unit offers two spacious bedrooms plus a stylish bunk room, ideal for guests or family. With the addition of a barn door, the bunk room easily functions as a third bedroom offering privacy, adding flexibility and value. The primary suite is a peaceful retreat, positioned directly on the lake with soothing water views that make mornings and evenings feel extra special. Step out onto the large private balcony spanning the width of the unit to enjoy lake life and take in the nightly light show, visible both outdoors and from the comfort of the living area inside. Beautiful design touches flow throughout the home, blending coastal charm with modern comfort. From the furnishings to the finishes, every detail reflects the essence of the perfect beach getaway. Whether used as a primary residence, second home, or investment property, this first-floor unit with water views is a rare opportunity--where beauty, convenience, and coastal elegance come together seamlessly. As part of a large resort, you'll have access to world-class amenities, including the newest addition of 810 Billiards & Bowling as fun for the whole family on property, five pools (one zero-entry, heated, and a dedicated kiddie pool), two hot tubs, a state-of-the-art fitness center, and a putting green. Enjoy the convenience of multiple onsite dining options and a boardwalk that showcases a stunning nightly water fountain light show. Don't miss this opportunity to own a piece of paradise with solid rental returns and endless coastal charm! 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