# 5115 Gulf Drive #1403, Panama City, FL 32408 > **TL;DR:** 1bd/2ba condo, $385,900 ($437/sqft), built 2006, 883 sqft. > Waterfront, A/C. Est. $4,434/mo. Listed 231 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $385,900 | | Price/sqft | $437 | | Bedrooms | 1 | | Bathrooms | 2 full | | Square Feet | 883 | | Year Built | 2006 | | Property Type | Condo (Condominium) | | Status | Active | | Days on Market | 231 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,951 | | Estimated Insurance | $113 | | HOA | $2,370 | | **Total** | **$4,434** | ## Nearby Schools - **Elementary:** Patronis - **Middle:** Surfside - **High:** Arnold ## Key Amenities - Waterfront - A/C ## Property Highlights - Built in 2006 - Waterfront ## Description ### Agent Description Some beachfront condos sell because they're on the beach. Others stand out because of what buyers experience the moment they walk through the door. Seychelles 1403 is one of those properties. Positioned in the desirable mid-stack of the building, this beautifully maintained Gulf-front residence captures the sweeping views buyers come to Panama City Beach for while offering a floor plan that keeps the emerald waters and sugar-white sand beaches front and center. Expansive 9-foot sliding glass doors flood the living area with natural Florida sunshine and frame breathtaking panoramic Gulf views, creating a bright, open atmosphere that immediately feels like a true coastal retreat. Step onto the private Gulf-front balcony and enjoy the sights and sounds of the beach below. Whether you're starting your day with a cup of coffee or unwinding after an afternoon on the sand, the Gulf provides the perfect backdrop for relaxed beachfront living. Unlike many competing properties, this condo has been exceptionally well maintained and thoughtfully refreshed, allowing the next owner to begin enjoying it immediately without the need for costly updates or renovations. Recent improvements include new televisions in both the living room and bedroom, all-new rugs throughout the condo and on the balcony, and a complete deep cleaning, ensuring a fresh, turnkey presentation. Luxury vinyl plank flooring throughout and stainless-steel appliances provide a clean, modern, and low-maintenance interior. Offered fully furnished and rental-ready, the condo comfortably accommodates up to six guests with a king-sized bed in the primary suite, built-in hallway bunks, and a sleeper sofa in the living room. Whether you're seeking a personal beachfront getaway, second home, or income-producing investment property, the flexible floor plan is designed to meet a variety of ownership goals. Adding even more value, quarterly HOA dues cover all major utilities, including electricity, water, cable, and WiFi, helping simplify ownership costs and making budgeting more predictable. Located within the amenity-rich Seychelles Beach Resort, owners and guests enjoy two Gulf-front pools, a hot tub, fitness center, conference room, covered parking garage with convenient walkover access, optional onsite rental management, and strong building security. The resort's reputation with vacationers, combined with its location on the quieter east end of Panama City Beach near St. Andrews State Park, continues to make it a favorite destination for repeat visitors year after year. Conveniently located near dining, shopping, entertainment, boating, fishing, and outdoor recreation, Seychelles offers the perfect combination of beachfront tranquility and easy access to everything Panama City Beach has to offer. Whether you're searching for a proven investment property or your own slice of paradise on the World's Most Beautiful Beaches, Seychelles 1403 delivers the combination buyers value most: spectacular Gulf views, turnkey condition, outstanding amenities, all-inclusive HOA coverage, and a location that continues to attract owners and guests alike. All measurements and information are deemed reliable but should be verified if important. ## Location - **Address:** 5115 Gulf Drive #1403, Panama City, FL 32408 - **County:** Bay - **Neighborhood:** Seychelles Resort Condominium - **Coordinates:** 30.140764, -85.754239 - **Google Maps:** https://www.google.com/maps?q=30.140764,-85.754239 ## Listing Agent - **Name:** John B Skinner Jr. · **License:** 3226343 - **Brokerage:** Keller Williams Realty Emerald Coast - **Broker Phone:** (850) 654-2900 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/5115-Gulf-Dr-Unit-1403_Panama-City-Beach_FL_32408_M56620-54604?f=listhub&s=BCARFL&m=786857&c=propsimple) ## Photos ![5115 Gulf Drive #1403 - Photo 1](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f2105517373r.jpg) ![5115 Gulf Drive #1403 - Photo 2](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f50770097r.jpg) ![5115 Gulf Drive #1403 - Photo 3](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f4097935953r.jpg) ![5115 Gulf Drive #1403 - Photo 4](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f407976796r.jpg) ![5115 Gulf Drive #1403 - Photo 5](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f2901404024r.jpg) ![5115 Gulf Drive #1403 - Photo 6](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f2185325208r.jpg) ![5115 Gulf Drive #1403 - Photo 7](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f1673003758r.jpg) ![5115 Gulf Drive #1403 - Photo 8](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f159259622r.jpg) ![5115 Gulf Drive #1403 - Photo 9](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f3539927685r.jpg) ![5115 Gulf Drive #1403 - Photo 10](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f461373140r.jpg) ![5115 Gulf Drive #1403 - Photo 11](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f3273372039r.jpg) ![5115 Gulf Drive #1403 - Photo 12](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f955518190r.jpg) ![5115 Gulf Drive #1403 - Photo 13](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f504831617r.jpg) ![5115 Gulf Drive #1403 - Photo 14](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f402678458r.jpg) ![5115 Gulf Drive #1403 - Photo 15](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f2953354277r.jpg) ![5115 Gulf Drive #1403 - Photo 16](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f3128448173r.jpg) ![5115 Gulf Drive #1403 - Photo 17](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f4186690116r.jpg) ![5115 Gulf Drive #1403 - Photo 18](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f3634370873r.jpg) ![5115 Gulf Drive #1403 - Photo 19](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f2287691066r.jpg) ![5115 Gulf Drive #1403 - Photo 20](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f3186066543r.jpg) ![5115 Gulf Drive #1403 - Photo 21](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f438611072r.jpg) ![5115 Gulf Drive #1403 - Photo 22](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f3871938310r.jpg) ![5115 Gulf Drive #1403 - Photo 23](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f1895261882r.jpg) ![5115 Gulf Drive #1403 - Photo 24](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f2229445431r.jpg) ![5115 Gulf Drive #1403 - Photo 25](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f2960444818r.jpg) ![5115 Gulf Drive #1403 - Photo 26](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f502865513r.jpg) ![5115 Gulf Drive #1403 - Photo 27](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f555046914r.jpg) ![5115 Gulf Drive #1403 - Photo 28](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f1498356623r.jpg) ![5115 Gulf Drive #1403 - Photo 29](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f661061674r.jpg) ![5115 Gulf Drive #1403 - Photo 30](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f379825213r.jpg) ![5115 Gulf Drive #1403 - Photo 31](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f843771019r.jpg) ![5115 Gulf Drive #1403 - Photo 32](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f661773697r.jpg) ![5115 Gulf Drive #1403 - Photo 33](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f3900140025r.jpg) ![5115 Gulf Drive #1403 - Photo 34](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f424407103r.jpg) ![5115 Gulf Drive #1403 - Photo 35](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f3643012996r.jpg) ![5115 Gulf Drive #1403 - Photo 36](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f787978400r.jpg) ![5115 Gulf Drive #1403 - Photo 37](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f4177070436r.jpg) ![5115 Gulf Drive #1403 - Photo 38](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f2907525645r.jpg) ![5115 Gulf Drive #1403 - Photo 39](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f1895385375r.jpg) ![5115 Gulf Drive #1403 - Photo 40](http://lh.rdcpix.com/bd5b45293a679c42fad95448418e391fl-f758374560r.jpg) --- **MLS#:** 786857 | **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://staging.propertysimple.ai/listing/5115-gulf-drive-panama-city-fl-32408-b38c67621ec3498eb7f6113d472e7b17) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/5115-gulf-drive-panama-city-fl-32408-b38c67621ec3498eb7f6113d472e7b17#listing", "url": "https://staging.propertysimple.ai/listing/5115-gulf-drive-panama-city-fl-32408-b38c67621ec3498eb7f6113d472e7b17", "name": "5115 Gulf Drive #1403, Panama City, FL 32408", "description": "Some beachfront condos sell because they're on the beach. Others stand out because of what buyers experience the moment they walk through the door. Seychelles 1403 is one of those properties. Positioned in the desirable mid-stack of the building, this beautifully maintained Gulf-front residence captures the sweeping views buyers come to Panama City Beach for while offering a floor plan that keeps the emerald waters and sugar-white sand beaches front and center. Expansive 9-foot sliding glass doors flood the living area with natural Florida sunshine and frame breathtaking panoramic Gulf views, creating a bright, open atmosphere that immediately feels like a true coastal retreat. Step onto the private Gulf-front balcony and enjoy the sights and sounds of the beach below. Whether you're starting your day with a cup of coffee or unwinding after an afternoon on the sand, the Gulf provides the perfect backdrop for relaxed beachfront living. Unlike many competing properties, this condo has been exceptionally well maintained and thoughtfully refreshed, allowing the next owner to begin enjoying it immediately without the need for costly updates or renovations. Recent improvements include new televisions in both the living room and bedroom, all-new rugs throughout the condo and on the balcony, and a complete deep cleaning, ensuring a fresh, turnkey presentation. Luxury vinyl plank flooring throughout and stainless-steel appliances provide a clean, modern, and low-maintenance interior. Offered fully furnished and rental-ready, the condo comfortably accommodates up to six guests with a king-sized bed in the primary suite, built-in hallway bunks, and a sleeper sofa in the living room. Whether you're seeking a personal beachfront getaway, second home, or income-producing investment property, the flexible floor plan is designed to meet a variety of ownership goals. Adding even more value, quarterly HOA dues cover all major utilities, including electricity, water, cable, and WiFi, helping simplify ownership costs and making budgeting more predictable. Located within the amenity-rich Seychelles Beach Resort, owners and guests enjoy two Gulf-front pools, a hot tub, fitness center, conference room, covered parking garage with convenient walkover access, optional onsite rental management, and strong building security. The resort's reputation with vacationers, combined with its location on the quieter east end of Panama City Beach near St. Andrews State Park, continues to make it a favorite destination for repeat visitors year after year. Conveniently located near dining, shopping, entertainment, boating, fishing, and outdoor recreation, Seychelles offers the perfect combination of beachfront tranquility and easy access to everything Panama City Beach has to offer. Whether you're searching for a proven investment property or your own slice of paradise on the World's Most Beautiful Beaches, Seychelles 1403 delivers the combination buyers value most: spectacular Gulf views, turnkey condition, outstanding amenities, all-inclusive HOA coverage, and a location that continues to attract owners and guests alike. 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