# 8817 S Thomas Drive 101, Panama City Beach, FL 32408 > **TL;DR:** 0bd/1ba condo, $259,000 ($530/sqft), built 1976, 489 sqft. > Waterfront. Est. $1,386/mo. Listed 53 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $259,000 | | Price/sqft | $530 | | Bathrooms | 1 full | | Square Feet | 489 | | Year Built | 1976 | | Property Type | Condo (Condominium) | | Status | Active | | Days on Market | 53 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,310 | | Estimated Insurance | $76 | | **Total** | **$1,386** | ## Key Amenities - Waterfront ## Property Highlights - Built in 1976 - Waterfront ## Description ### Agent Description GROUND FLOOR + POOLSIDE CONVENIENCE! This beautifully situated ground-floor studio at Top of the Gulf puts you just steps from the resort pool and Gulf-front beach--no elevators, no stairs, just easy access to everything you came to Panama City Beach to enjoy! Unit 101 offers a convenient layout with two queen beds plus a set of bunk beds in the hallway, comfortably accommodating all your guests. Whether you're looking for a personal beach getaway, a vacation rental investment, or both, this location makes enjoying the beach incredibly easy. Top of the Gulf offers a beachfront pool, children's pool, fitness center, game room, shuffleboard, seasonal snack bar, laundry facilities, on-site parking and direct access to the beautiful Gulf beaches. And when you're ready for food, drinks and live entertainment, Tootsie's Orchid Lounge is right next door! You're also close to shopping, restaurants, attractions and everything Panama City Beach has to offer. Ground floor. Poolside. Beachfront. And steps from the action. It doesn't get much more convenient than this! ## Location - **Address:** 8817 S Thomas Drive 101, Panama City Beach, FL 32408 - **County:** Bay - **Neighborhood:** Top of the Gulf - **Coordinates:** 30.1701927, -85.79545 - **Google Maps:** https://www.google.com/maps?q=30.1701927,-85.79545 ## Virtual Tour & Media - **Video Tour:** tour.usamls.net/8817-S-Thomas-Drive-101-Panama-City-Beach-FL-32408/unbranded ## Listing Agent - **Name:** Cathy Cole - **Brokerage:** EXP Realty LLC - **Broker Phone:** 8889235547 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/8817-S-Thomas-Dr-Unit-101_Panama-City_FL_32408_M51650-87612?f=listhub&s=DARAL&m=214759&c=propsimple) ## Photos ![8817 S Thomas Drive 101 - Photo 1](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f3477317926r.jpg) ![8817 S Thomas Drive 101 - Photo 2](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f3962107353r.jpg) ![8817 S Thomas Drive 101 - Photo 3](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f2479952065r.jpg) ![8817 S Thomas Drive 101 - Photo 4](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f27720149r.jpg) ![8817 S Thomas Drive 101 - Photo 5](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f537919925r.jpg) ![8817 S Thomas Drive 101 - Photo 6](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f3274986340r.jpg) ![8817 S Thomas Drive 101 - Photo 7](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f803774579r.jpg) ![8817 S Thomas Drive 101 - Photo 8](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f2015486151r.jpg) ![8817 S Thomas Drive 101 - Photo 9](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f1509472476r.jpg) ![8817 S Thomas Drive 101 - Photo 10](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f4103509760r.jpg) ![8817 S Thomas Drive 101 - Photo 11](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f611169894r.jpg) ![8817 S Thomas Drive 101 - Photo 12](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f2817085242r.jpg) ![8817 S Thomas Drive 101 - Photo 13](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f1273069495r.jpg) ![8817 S Thomas Drive 101 - Photo 14](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f2260308250r.jpg) ![8817 S Thomas Drive 101 - Photo 15](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f3653814855r.jpg) ![8817 S Thomas Drive 101 - Photo 16](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f1457056432r.jpg) ![8817 S Thomas Drive 101 - Photo 17](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f2608806894r.jpg) ![8817 S Thomas Drive 101 - Photo 18](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f557877807r.jpg) ![8817 S Thomas Drive 101 - Photo 19](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f3581405743r.jpg) ![8817 S Thomas Drive 101 - Photo 20](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f3914692772r.jpg) ![8817 S Thomas Drive 101 - Photo 21](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f3162696062r.jpg) ![8817 S Thomas Drive 101 - Photo 22](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f291907936r.jpg) ![8817 S Thomas Drive 101 - Photo 23](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f986551181r.jpg) ![8817 S Thomas Drive 101 - Photo 24](http://lh.rdcpix.com/d68a5a3aa1c2122862fb2075384d14a0l-f3452397018r.jpg) --- **MLS#:** 214759 | **Updated:** 2026-11-01 **Source:** listhub *Copyright © 2026 Southeast Alabama 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/8817-s-thomas-drive-101-panama-city-beach-fl-32408-8b0a51f7a58f48368db683733d3daaf6) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/8817-s-thomas-drive-101-panama-city-beach-fl-32408-8b0a51f7a58f48368db683733d3daaf6#listing", "url": "https://staging.propertysimple.ai/listing/8817-s-thomas-drive-101-panama-city-beach-fl-32408-8b0a51f7a58f48368db683733d3daaf6", "name": "8817 S Thomas Drive 101, Panama City Beach, FL 32408", "description": "GROUND FLOOR + POOLSIDE CONVENIENCE! 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