For Sale
Condo for sale at 8515 Surf Dr #3, Panama City, FL 32408 | MLS# 797180 | Listing updated on 2026-11-04
Photo 1 of Condo for sale at 8515 Surf Dr #3, Panama City, FL 32408 | MLS# 797180 | Listing updated on 2026-11-04
Photo 2 of Condo for sale at 8515 Surf Dr #3, Panama City, FL 32408 | MLS# 797180 | Listing updated on 2026-11-04
Photo 3 of Condo for sale at 8515 Surf Dr #3, Panama City, FL 32408 | MLS# 797180 | Listing updated on 2026-11-04
Photo 4 of Condo for sale at 8515 Surf Dr #3, Panama City, FL 32408 | MLS# 797180 | Listing updated on 2026-11-04
75+
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Street View

$1,525,000

Monthly Est:$7,590

  • Beds Icon4 Beds
  • Beds Icon
    3 Baths
  • Beds Icon2,464sqft

8515 Surf Dr #3, Panama City, FL 32408

$7,590/moEst:

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  • Condominium

  • Built in 2001

  • $1,666.67/mo HOA

  • -- sqft lot

  • $619/sq.ft

Description

Experience Gulf-front, first floor living at 8515 Surf Drive, Unit 3, a beautifully renovated four-bedroom, three-bath condominium in an intimate, six-unit, low-rise community in Panama City Beach. Located on the first residential level, this spacious retreat features a private, key-coded elevator opening into your own foyer. High ceilings, custom crown molding, luxury vinyl plank flooring and an open layout create an inviting setting framed by spectacular Gulf views. The living area features a gas fireplace, Lutron lighting and remote-controlled blinds, while the generous dining space offers room for gathering and entertaining. The updated kitchen includes upgraded cabinetry, granite countertops, stainless steel appliances, a smooth-top stove and a breakfast bar. Expansive sliding glass doors connect the living area to an impressive covered deck that wraps around the entire Gulf-facing exterior of the condominium. Spanning 56 feet in length, this outdoor living space offers ample room for dining, lounging and entertaining against a stunning coastal backdrop. Thoughtfully designed with Balconista furniture, special ambient lighting, an outdoor television, ceiling fans and privacy screens, the deck is equally inviting during the day and after sunset. A retractable garden hose adds convenience. Enjoy morning coffee overlooking the water and evenings with the sound of the waves and brilliant coastal sunsets. The primary suite offers direct deck access, Gulf views and east-facing windows that welcome the morning light. Its bath features dual vanities, a jetted tub with Gulf views and a custom-organized closet. A second Gulf-front bedroom shares a bathroom with the third bedroom, while the fourth bedroom includes a private bath. All three bathrooms have been renovated with updated tile, shower surrounds, toilets and heated towel rods. Additional conveniences include custom closets, a built-in safe in the laundry room and a covered front balcony. Improvements include hurricane-rated windows and doors, Hardie plank siding, a metal roof, an updated carport ceiling and HVAC. Two Gulf-front pools provide separate areas for owners and rental guests, and a gated beach walkover offers direct access to the sand. Three covered parking spaces beneath the building and an additional driveway space provide parking for up to four vehicles. Owner-occupied for the past five years, this thoughtfully upgraded condominium offers an exceptional setting for a primary residence, beach retreat or vacation rental. Offered unfurnished, with the outdoor furnishings, outdoor television, ceiling fans and privacy screens are included.

  • Houzeo last checked: 1 minute ago
  • Listing updated: November 4, 2026 at 11:25 pm
  • Listing Provided by: Beth Mulvey (256) 566-5482 DRE #3390217 | Beach House Sales and Development (850) 919-3500
  • Source: Bay/Panama City/Central Panhandle MLS-FL | MLS#: 797180 Bay/Panama City/Central Panhandle MLS-FL

This condo is in:

Property Details

  • Status

    Active

  • Type

    Condominium

  • No. of Stories

    3

  • County

    Bay County

  • City

    Panama City

  • Neighborhood

    --

  • Year Built

    2001

  • HOA Fees

    $1666.67/mo

  • Finished Area

    2,464 sqft

  • Lot Size

    -- sqft lot

  • Basement Area

    - sqft

  • MLS Name

    Bay/Panama City/Central Panhandle MLS

  • MLS Number

    797180

  • MLS Status

    Active

  • Days on Market

    6

  • Cumulative Days on Market

    31

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Location

HOA Management

N/A

HOA Fees

$5,000/ Quarterly

Amenities

Amenities and services may be covered by one or multiple associations and service providers.

Insurance Insurance

Maintenance Maintenance

Beach Beach

PicnicArea PicnicArea

Pools Pools

LegalAccounting LegalAccounting

AssociationManagement AssociationManagement

Disclaimer: Amenities are based on third-party information and may vary; buyers must independently verify all amenities, as information is deemed reliable but not guaranteed.

Facts & Features

Rooms

  • Bedrooms & bathrooms

    Bedrooms: 4

    Bathrooms: 3

  • Patio

    Level: First

    Area: 784.00 Square Feet

    Dimensions: 56 x 14

  • LivingRoom

    Level: First

    Area: 320.00 Square Feet

    Dimensions: 20 x 16

  • DiningRoom

    Level: First

    Area: 104.00 Square Feet

    Dimensions: 13 x 8

  • Kitchen

    Level: First

    Area: 180.00 Square Feet

    Dimensions: 15 x 12

  • Bedroom

    Level: First

    Area: 165.00 Square Feet

    Dimensions: 15 x 11

  • Bedroom

    Level: First

    Area: 256.00 Square Feet

    Dimensions: 16 x 16

  • Bedroom

    Level: First

    Area: 240.00 Square Feet

    Dimensions: 16 x 15

  • PrimaryBedroom

    Level: First

    Area: 255.00 Square Feet

    Dimensions: 17 x 15

Interior

  • Flooring

    Plank, Vinyl

  • Interior Features

    Balcony, Double Vanity, Jetted Tub, Main Level Primary, Smart Home, Separate Shower, Instant Hot Water

  • Sewer

    Public Sewer

  • Exterior Features

    Covered Patio, Outdoor Shower

  • Appliances

    Electric Cooktop, Gas Water Heater, Ice Maker, Plumbed For Ice Maker, Tankless Water Heater

  • Cooling

    Central Air, Ceiling Fans

  • Heating

    Central, Electric, Fireplaces

  • Window Features

    Double Pane Windows

Construction

  • Year Built

    Year Built: 2001

  • Home type

    Condominium

  • Architectural Style

    Low Rise

  • Foundation Details

    Pillar Post Pier

  • Construction Materials

    Hardiplank Type, Metal Siding, Wood Frame

Utilities & Energy

  • Security Features

    Carbon Monoxide Detectors, Fire Sprinkler System, Security Fence, Security Lights, Fire Alarm, Smoke Detectors

  • Association Amenities

    Beach Rights, Picnic Area

  • Utilities

    Electricity Available, Phone Connected

  • Pool Features

    Fenced, Gunite, Gas Heat, In Ground, Community

  • Fireplace Features

    Gas

  • Parking Features

    Additional Parking, Gravel, Paved

Other Features

  • Community Features

    Beach, Elevator, Park, Pool, Storage Facilities, Waterfront, Community Pool, Short Term Rental Allowed

  • Lot Features

    Paved

  • Subdivision Name

    Bel Air Beach Condo

  • Patio And Porch Features

    Balcony, Deck, Covered, Porch

Price History

DateEventPrice

11/02/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #797180

Listed for Sale

$1,525,000

$619/sqft

10/29/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #797180

Coming Soon

$1,525,000

$619/sqft

Nearby Homes

Based on information from Central Panhandle Association of REALTORS® MLS through Nov 04, 2026, 11:30PM. IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS. ©2026 Bay Central Panhandle Association of REALTORS®

Advertising Broker: Moe Mossa (Savvy Avenue) | Savvy Avenue, LLC

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