# 5509 Thomas Drive, Panama City, FL 32408 > **TL;DR:** 4bd/4ba townhouse, $1,349,900 ($527/sqft), built 2020, 2,561 sqft. > Pool, A/C. Est. $7,220/mo. Listed 28 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $1,349,900 | | Price/sqft | $527 | | Bedrooms | 4 | | Bathrooms | 3 full, 1 half | | Square Feet | 2,561 | | Year Built | 2020 | | Lot Size | 5,663 sqft (0.13 acres) | | Stories | 2 | | Property Type | Townhouse (Townhouse) | | Status | Active | | Days on Market | 28 | ## Why This Home Stands Out - **Pool** - Porch, Patio ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $6,826 | | Estimated Insurance | $394 | | **Total** | **$7,220** | ## Nearby Schools - **Elementary:** Patronis - **Middle:** Breakfast Point - **High:** Arnold ## Key Amenities - Pool - A/C ## Property Highlights - Built in 2020 - 0.13 acre lot - 2 stories - Private pool ## Description ### Agent Description Live the Panama City Beach lifestyle you've been dreaming of--just steps from the Gulf of America! Originally built as the developer's personal residence, this distinctive coastal home is ideally positioned on a desirable corner lot and offers 4 bedrooms and 3.5 bathrooms, including two spacious master suites with plenty of room and privacy for family and guests. Expansive wraparound balconies finished with beautiful brick pavers create an inviting extension of the living space--perfect for entertaining, relaxing in the coastal breeze, or taking in the Gulf views. A large inground pool provides your own private retreat for sunny Florida days and gatherings with family and friends. Located in a golf cart-friendly community near marinas, St. Andrews State Park, popular restaurants, shopping, and the beach, the location puts the best of Panama City Beach within easy reach. Short-term rentals are allowed, adding excellent flexibility for buyers seeking a primary residence, second home, or investment property. Rental projections indicate potential gross rental income upwards of $130,000 annually, subject to rental management, occupancy, rates, and market conditions. With its prime location, generous outdoor living spaces, private pool, Gulf views, and strong rental potential, this property offers an exciting opportunity to own a piece of the Panama City Beach lifestyle. ## Location - **Address:** 5509 Thomas Drive, Panama City, FL 32408 - **County:** Bay - **Neighborhood:** Beachside - **Coordinates:** 30.144584, -85.757452 - **Google Maps:** https://www.google.com/maps?q=30.144584,-85.757452 ## Listing Agent - **Name:** DJ T Janovyak · **License:** BK0599600 - **Brokerage:** West Bay Property - **Broker Phone:** (850) 235-2551 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/5509-Thomas-Dr_Panama-City-Beach_FL_32408_M96622-42412?f=listhub&s=BCARFL&m=796073&c=propsimple) ## Photos ![5509 Thomas Drive - Photo 1](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f1946469041r.jpg) ![5509 Thomas Drive - Photo 2](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f3234867289r.jpg) ![5509 Thomas Drive - Photo 3](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f748104858r.jpg) ![5509 Thomas Drive - Photo 4](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f137672755r.jpg) ![5509 Thomas Drive - Photo 5](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f459857567r.jpg) ![5509 Thomas Drive - Photo 6](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f2991397586r.jpg) ![5509 Thomas Drive - Photo 7](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f3843624545r.jpg) ![5509 Thomas Drive - Photo 8](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f2702290135r.jpg) ![5509 Thomas Drive - Photo 9](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f3361244499r.jpg) ![5509 Thomas Drive - Photo 10](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f3923379510r.jpg) ![5509 Thomas Drive - Photo 11](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f3487809766r.jpg) ![5509 Thomas Drive - Photo 12](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f892193011r.jpg) ![5509 Thomas Drive - Photo 13](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f749990056r.jpg) ![5509 Thomas Drive - Photo 14](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f3315959799r.jpg) ![5509 Thomas Drive - Photo 15](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f1886903254r.jpg) ![5509 Thomas Drive - Photo 16](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f3182506027r.jpg) ![5509 Thomas Drive - Photo 17](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f4262790519r.jpg) ![5509 Thomas Drive - Photo 18](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f438764840r.jpg) ![5509 Thomas Drive - Photo 19](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f2993296301r.jpg) ![5509 Thomas Drive - Photo 20](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f2519591868r.jpg) ![5509 Thomas Drive - Photo 21](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f3255561309r.jpg) ![5509 Thomas Drive - Photo 22](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f2789975057r.jpg) ![5509 Thomas Drive - Photo 23](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f1849520479r.jpg) ![5509 Thomas Drive - Photo 24](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f3072679118r.jpg) ![5509 Thomas Drive - Photo 25](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f2764496320r.jpg) ![5509 Thomas Drive - Photo 26](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f3544399536r.jpg) ![5509 Thomas Drive - Photo 27](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f1424825960r.jpg) ![5509 Thomas Drive - Photo 28](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f3099975451r.jpg) ![5509 Thomas Drive - Photo 29](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f1701310980r.jpg) ![5509 Thomas Drive - Photo 30](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f1960262257r.jpg) ![5509 Thomas Drive - Photo 31](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f1190458715r.jpg) ![5509 Thomas Drive - Photo 32](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f534773170r.jpg) ![5509 Thomas Drive - Photo 33](http://lh.rdcpix.com/028429ac651995eb5a10f77cea9b6c1dl-f225850931r.jpg) --- **MLS#:** 796073 | **Updated:** 2026-10-27 **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/5509-thomas-drive-panama-city-fl-32408-3b8e314e492e49c4a953d340b2c9a50b) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/5509-thomas-drive-panama-city-fl-32408-3b8e314e492e49c4a953d340b2c9a50b#listing", "url": "https://staging.propertysimple.ai/listing/5509-thomas-drive-panama-city-fl-32408-3b8e314e492e49c4a953d340b2c9a50b", "name": "5509 Thomas Drive, Panama City, FL 32408", "description": "Live the Panama City Beach lifestyle you've been dreaming of--just steps from the Gulf of America! 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