For Sale
Condo for sale at 8517 Surf Dr #203, Panama City, FL 32408 | MLS# 784524 | Listing updated on 2026-11-02
Photo 1 of Condo for sale at 8517 Surf Dr #203, Panama City, FL 32408 | MLS# 784524 | Listing updated on 2026-11-02
Photo 2 of Condo for sale at 8517 Surf Dr #203, Panama City, FL 32408 | MLS# 784524 | Listing updated on 2026-11-02
Photo 3 of Condo for sale at 8517 Surf Dr #203, Panama City, FL 32408 | MLS# 784524 | Listing updated on 2026-11-02
Photo 4 of Condo for sale at 8517 Surf Dr #203, Panama City, FL 32408 | MLS# 784524 | Listing updated on 2026-11-02
30+
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Street View

$459,900

Monthly Est:$2,289

  • Beds Icon1 Bed
  • Beds Icon
    1 Bath
  • Beds Icon1,060sqft

8517 Surf Dr #203, Panama City, FL 32408

$2,289/moEst:

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  • Condominium

  • Built in 1990

  • $416.67/mo HOA

  • -- sqft lot

  • $434/sq.ft

Description

Gulf-Front Living at Its Finest - On the Beach! Experience coastal paradise from this rarely available gulf-front, low-rise condominium located on the 2nd floor (top floor), just steps from the sugar-white sands and surf of the Gulf of Mexico. Wake up to the soothing sound of waves and water views from your private balcony -- the perfect place for morning coffee or evening sunsets. Inside, enjoy an open, light-filled layout with thoughtful updates throughout. The kitchen and living areas flow seamlessly, ideal for both relaxed living and entertaining guests. Amazing wood-like tile through the entire home. The kitchen boasts beautiful cabinetry, a copper apron sink, and stunning quartz countertops. Also matching copper backsplash and a high-end Whirlpool appliance package. A spacious en-suite with walk-in-closet. Currently a permanent residence and pride of ownership shows throughout. Previously a 2 bath and owners coverted to 1 bath, could easily be changed back and owners have the matching flooring.on the second story offers elevated views while still providing easy access. The current owners have the living space set up as the master bedroom to wake up to the view! This well-maintained condo is part of a low-density community that enhances privacy and charm while placing you in close proximity to local dining, shopping, and entertainment options. It may have the lowest association fees that you will find anywhere. Hvac and water heater are less than 4 years old. Whether you're seeking a permanent residence, vacation escape, or investment property, this Gulf-front gem delivers unparalleled beach lifestyle living. Don't miss your chance to own a piece of coastal bliss!

  • Houzeo last checked: 1 minute ago
  • Listing updated: November 2, 2026 at 11:50 am
  • Listing Provided by: Donald W West (850) 596-3349 DRE #BK3500469 | Northwest Florida Realty, LLC (850) 740-1069
  • Source: Bay/Panama City/Central Panhandle MLS-FL | MLS#: 784524 Bay/Panama City/Central Panhandle MLS-FL

This condo is in:

Property Details

  • Status

    Active

  • Type

    Condominium

  • No. of Stories

    -

  • County

    Bay County

  • City

    Panama City

  • Neighborhood

    --

  • Year Built

    1990

  • HOA Fees

    $416.67/mo

  • Finished Area

    1,060 sqft

  • Lot Size

    -- sqft lot

  • Basement Area

    - sqft

  • MLS Name

    Bay/Panama City/Central Panhandle MLS

  • MLS Number

    784524

  • MLS Status

    Active

  • Days on Market

    275

  • Cumulative Days on Market

    273

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Location

HOA Management

N/A

HOA Fees

$5,000/ Annually

Amenities

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

Maintenance Maintenance

LegalAccounting LegalAccounting

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

    Bedroom: 1

    Bathroom: 1

  • Bedroom

    Level: First

    Area: 340.00 Square Feet

    Dimensions: 20 x 17

Interior

  • Appliances

    Electric Oven, Electric Water Heater

  • Sewer

    Public Sewer

  • Cooling

    Central Air

  • Interior Features

    Walk In Closets

  • Heating

    Central

Construction

  • Year Built

    Year Built: 1990

  • Home type

    Condominium

  • Architectural Style

    Low Rise

Other Features

  • Community Features

    Waterfront, Short Term Rental Allowed

  • Patio And Porch Features

    Balcony

  • Subdivision Name

    [no Recorded Subdiv]

Price History

DateEventPrice

08/01/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #784524

Price Increased

$469,000 +1.98%

$442/sqft

07/31/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #784524

Price Decreased

$459,900 -3.18%

$434/sqft

06/26/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #784524

Price Decreased

$475,000 -1.86%

$448/sqft

04/14/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #784524

Price Decreased

$484,000 -3.01%

$457/sqft

02/02/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #784524

Price Decreased

$499,000 -16.83%

$471/sqft

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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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