# 8817 S Thomas Drive #101, Panama City, FL 32408 > **TL;DR:** 0bd/1ba condo, $259,000 ($530/sqft), built 1976, 489 sqft. > Waterfront, A/C. Est. $1,911/mo. Listed 49 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 | 49 | ## 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 | | HOA | $525 | | **Total** | **$1,911** | ## Nearby Schools - **Elementary:** Breakfast Point - **Middle:** Breakfast Point - **High:** Arnold ## Key Amenities - Waterfront - A/C ## 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, FL 32408 - **County:** Bay - **Neighborhood:** Top Of The Gulf Condo. - **Coordinates:** 30.169865, -85.795992 - **Google Maps:** https://www.google.com/maps?q=30.169865,-85.795992 ## Listing Agent - **Name:** Cathy A Cole · **License:** BK3542524 - **Brokerage:** EXP Realty LLC - **Broker Phone:** (888) 883-8509 - **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=BCARFL&m=795209&c=propsimple) ## Photos ![8817 S Thomas Drive #101 - Photo 1](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f2325137260r.jpg) ![8817 S Thomas Drive #101 - Photo 2](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f1514282851r.jpg) ![8817 S Thomas Drive #101 - Photo 3](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f3932097984r.jpg) ![8817 S Thomas Drive #101 - Photo 4](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f313427679r.jpg) ![8817 S Thomas Drive #101 - Photo 5](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f1278628443r.jpg) ![8817 S Thomas Drive #101 - Photo 6](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f1021216159r.jpg) ![8817 S Thomas Drive #101 - Photo 7](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f4057546963r.jpg) ![8817 S Thomas Drive #101 - Photo 8](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f1788352476r.jpg) ![8817 S Thomas Drive #101 - Photo 9](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f661700030r.jpg) ![8817 S Thomas Drive #101 - Photo 10](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f1075141254r.jpg) ![8817 S Thomas Drive #101 - Photo 11](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f229479977r.jpg) ![8817 S Thomas Drive #101 - Photo 12](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f2327295702r.jpg) ![8817 S Thomas Drive #101 - Photo 13](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f3692965498r.jpg) ![8817 S Thomas Drive #101 - Photo 14](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f3919620743r.jpg) ![8817 S Thomas Drive #101 - Photo 15](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f551294416r.jpg) ![8817 S Thomas Drive #101 - Photo 16](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f3884795451r.jpg) ![8817 S Thomas Drive #101 - Photo 17](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f4203131608r.jpg) ![8817 S Thomas Drive #101 - Photo 18](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f1974194202r.jpg) ![8817 S Thomas Drive #101 - Photo 19](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f3498229681r.jpg) ![8817 S Thomas Drive #101 - Photo 20](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f1523516578r.jpg) ![8817 S Thomas Drive #101 - Photo 21](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f82193346r.jpg) ![8817 S Thomas Drive #101 - Photo 22](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f1149635550r.jpg) ![8817 S Thomas Drive #101 - Photo 23](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f3973809942r.jpg) ![8817 S Thomas Drive #101 - Photo 24](http://lh.rdcpix.com/e8fb95403d2ce54343a1aa64b42648f3l-f265555217r.jpg) --- **MLS#:** 795209 | **Updated:** 2026-10-20 **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/8817-s-thomas-drive-panama-city-fl-32408-b8a7d734037c472285bdf7d952f60c58) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/8817-s-thomas-drive-panama-city-fl-32408-b8a7d734037c472285bdf7d952f60c58#listing", "url": "https://staging.propertysimple.ai/listing/8817-s-thomas-drive-panama-city-fl-32408-b8a7d734037c472285bdf7d952f60c58", "name": "8817 S Thomas Drive #101, Panama City, FL 32408", "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! 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