8618 Surf Dr

Ocean Terrace is a low-rise beachfront condominium complex built in 1982 and organized primarily as two-story buildings containing studios, one-bedroom and two-bedroom residences, some with lofts. The architecture is functional coastal vernacular — straightforward massing, balcony access on upper units, and ground-floor units that open directly toward planted walkways and shared outdoor spaces. Interiors commonly feature compact galley kitchens with breakfast bars, tile or stained-concrete flooring, main-level primary sleeping areas or loft bedrooms, updated showers or tub/shower combinations, and window treatments; units are often offered furnished and configured for short-term occupancy with Murphy beds or space-saving layouts. Shared facilities emphasize casual beach living: a private gulf-front swimming pool and lounge area, gazebo/picnic barbecue spots, outdoor showers, and patios that step toward the sand. On-site management supports a rental program and handles association operations seven days a week. Parking is surface/lot-based; pet rules vary by unit and should be confirmed with management. Located on the quieter east end of Panama City Beach, the property sits within walking distance of restaurants, shops and beachfront attractions, offering easy access to sand-and-sea recreation and a dense seasonal rental market.