$549,999
$50K PRICE DROP

8517 Surf Dr Unit 203 Panama City, FL 32408

Estimated payment $3,594/month

Total Views 2,784
1 Bed
1 Bath
1,060 Sq Ft
$519 Price per Sq Ft

Highlights

  • Property fronts gulf or ocean
  • J.R. Arnold High School Rated A-
  • Deeded access to the beach

About This Home

Welcome to your dreamy retreat at the Surf Club, where paradise meets practicality in stunning Panama City Beach. Nestled within a charming 8-unit, low-rise condominium, this newly remodeled, one-bedroom, one-bathroom gem is a rare find. The condo boasts a fresh face with a new roof, air conditioning, and a water heater--all the essential updates to keep you cool and comfy during Florida's sunny days.Perfect as a cozy personal sanctuary or an attractive rental income opportunity, the quality of this build shines through its thoughtful design and craftsmanship. Beautifully combining the tranquility of the Gulf with contemporary upgrades, this condo stands as a delightful abode or investment gem.The Surf Club blends ideal coastal living with affordability, marked by impressively low HOA dues. With no recorded sales since 2017, this condo is a must-have. Don't let this opportunity slip by--seize your chance to claim a quiet corner of Gulf paradise and enjoy an investment that's as sound as the waves lapping at the shore.

Listing Agent

Matthew Thomas

Beach Time Realty, Inc Listed on: 03/12/2025

Co-Listing Agent

Fred Thomas

Beach Time Realty, Inc

Property Details

Home Type

  • Condominium

Est. Annual Taxes

  • $2,167

Year Built

  • Built in 1990

HOA Fees

  • $417 Monthly HOA Fees

Interior Spaces

  • 1,060 Sq Ft Home
  • 2-Story Property
  • Gulf Views

Bedrooms and Bathrooms

  • 1 Bedroom
  • 1 Full Bathroom

Schools

  • Breakfast Point Elementary And Middle School
  • Arnold High School

Additional Features

  • Deeded access to the beach
  • Property fronts gulf or ocean
  • Underground Utilities

Community Details

  • Association fees include ground maintenance, maintenance structure
  • 8 Units
  • Low-Rise Condominium

Property Details

Home Type

Condominium

Est. Annual Taxes

$2,167

Year Built

Built in 1990

Lot Details

0

HOA Fees

$417 per month

Listing Details

  • Property Type: Residential
  • Year Built: 1990
  • Property Sub Type: Condominium
  • Lot Size: 0.0
  • Co List Office Mls Id: BTR1
  • Co List Office Phone: (850) 381-3156
  • Subdivision Name: [No Recorded Subdiv]
  • Architectural Style: Low Rise
  • Entry Level: 2
  • ResoPropertyType: Residential
  • Property Sub Type Additional: Condominium
  • Special Features: None

Interior Features

  • Full Bathrooms: 1
  • Total Bedrooms: 1
  • Living Area: 1060.0
  • Dining Room Type: Bedroom
  • Stories: 2
  • ResoLivingAreaSource: Owner

Exterior Features

  • View: Gulf
  • View: Yes
  • Waterfront Features: Gulf
  • Waterfront: Yes

Garage/Parking

  • Garage: No

Utilities

  • Utilities: Underground Utilities

Condo/Co-op/Association

  • Association Fee: 5000.0
  • Community Features: Short Term Rental Allowed
  • Amenities: Beach Rights
  • Association Fee Frequency: Annually
  • Association: Yes
  • ResoAssociationFeeFrequency: Annually

Fee Information

  • Association Fee Includes: Maintenance Grounds, Maintenance Structure

Schools

  • Middle Or Junior School: Breakfast Point

Rental Info

  • Furnished: Negotiable

Multi Family

  • Number Of Units In Community: 8

MLS Schools

  • Elementary School: Breakfast Point
  • High School: Arnold

Map

Range of Values:

Collateral Analytics

Collateral Analytics Collateral Analytics AVMs (Automated Valuation Model) employ a number of statistical approaches combined with neighborhood-specific comparable selection guarantees the most up-to-date and precise valuations.

Not Available

Collateral Analytics does not have data for the current month. Please view the chart for historical values.

ICE

ICE Mortgage Technology ICE Mortgage Technology’s AVM (Automated Valuation Model) is a state-of-the-art online residential property valuation tool that provides a quick and accurate estimate of the value of almost any home in the U.S.

Not Available

ICE Mortgage Technology does not have data for the current month. Please view the chart for historical values.

First American

First American First American Data & Analytics’ next-generation AVM combines unrivaled data assets with a blended ensemble of valuation models to produce highly accurate, reliable valuations you can trust.

Not Available

First American does not have data for the current month. Please view the chart for historical values.

Quantarium

Quantarium Quantarium’s valuation service, repeatedly proven the industry’s most accurate and comprehensive, is supercharged with a self-learning and auto-tuning AI engine that continually becomes smarter and more accurate as it processes daily inputs from the industry’s leading RE data lake.

Not Available

Quantarium does not have data for the current month. Please view the chart for historical values.

Average Value
Not Available
List Price
Sold Price
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area

Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $2,167 $220,594 -- --
2023 $2,167 $214,169 $0 $0
2022 $2,004 $207,931 $0 $0
2021 $2,008 $201,875 $0 $201,875
2020 $2,037 $201,875 $0 $201,875
2019 $2,060 $201,875 $0 $201,875
2018 $2,094 $201,875 $0 $0
2017 $2,113 $201,875 $0 $0
2016 $2,177 $150,920 $0 $0
2015 $1,851 $137,200 $0 $0
2014 $1,332 $98,000 $0 $0
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
04/28/2025 04/28/25 Price Changed $549,999 -8.3% $519 / Sq Ft
03/19/2025 03/19/25 Price Changed $599,999 0.0% $566 / Sq Ft
03/12/2025 03/12/25 For Sale $600,000 +179.1% $566 / Sq Ft
07/05/2022 07/05/22 Off Market $215,000 -- --
11/20/2014 11/20/14 Sold $215,000 -8.5% $203 / Sq Ft
09/02/2014 09/02/14 Pending -- -- --
02/06/2014 02/06/14 For Sale $235,000 -- $222 / Sq Ft
Source: Central Panhandle Association of REALTORS®

Purchase History

Date Type Sale Price Title Company
Warranty Deed $215,000 Diamond Title Agency Inc
Quit Claim Deed -- Diamond Title Agency Inc
Interfamily Deed Transfer -- Attorney
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $33,400 Small Business Administration
Open $172,000 New Conventional
Source: Public Records

Similar Homes in Panama City, FL

  • 4620 Bay Point Rd Unit 1018, Panama City, FL 32408

    $650,000

    • 2 Beds
    • 2 Baths
    • 1,486 Sq Ft
    • 4620 Bay Point Rd
    • Unit 1018
    • Panama City, FL

    WATERFRONT, First floor, all one level. Fabulous sunset views from almost every room: master bedrm, LR, DR & Kitchen. Immaculate condo with beautiful granite in kitchen & both baths. SS appliances. Eat-in kitchen plus breakfast bar AND separate dining area. Corner electric fireplace connects the dining to living areas. Custom shutters on all windows and front door. Low maintenance tile

    Lynn Yarbrough Keller Williams Success Realty

    Section Image
  • 8715 Surf Dr Unit 1006B, Panama City, FL 32408

    $645,000

    • 2 Beds
    • 2 Baths
    • 1,310 Sq Ft
    • 8715 Surf Dr
    • Unit 1006B
    • Panama City, FL

    PRICE REDUCED !Here it is Gulf Crest Resort!! One of the most in demand Resorts on the beach. Fully Furnished 2BR/2BA Condo with Bunks and breath-taking sunset views.Welcome to your dream coastal escape! This beautifully updated Gulf-front 2-bedroom, 2-bath condo with bonus bunks offers the perfect blend of comfort, luxury, and investment potential. Designed with an open-concept floor plan, this

    Elwood Junot Lifes A Beach Real Estate, LLC

    Section Image
  • 8715 Surf Dr Unit 302, Panama City, FL 32408

    $659,900

    • 2 Beds
    • 2 Baths
    • 1,310 Sq Ft
    • 8715 Surf Dr
    • Unit 302
    • Panama City, FL

    Welcome to Gulfcrest Unit 302--the ultimate beachfront escape you've been dreaming of. This oversized 2-bedroom plus bunk, 2-bath Gulf-front condo offers one of the most desirable and functional floorplans on the beach. Perfectly situated on the third floor, unit 302 delivers sweeping views of the emerald Gulf waters, the sugar-white sandy beach, and stunning sunsets--all views available from the

    John Skinner Jr. Keller Williams Realty Emerald

    Section Image
  • 8715 Surf Dr Unit 304, Panama City, FL 32408

    $650,000

    • 2 Beds
    • 2 Baths
    • 1,310 Sq Ft
    • 8715 Surf Dr
    • Unit 304
    • Panama City, FL

    Stunning Gulf front 2 Bedroom, 2 Bath unit with bunks at the popular gated complex of Gulf Crest. One of the most convenient units on the 3rd floor with a direct path from the parking deck. Features a spacious living room with panoramic views of the gulf, updated kitchen with stainless steel appliances and a large master suite with balcony access. Accommodating up to 8 guests with an impressive

    Matthew Jones Coastal Heritage Real Estate LLC

    Section Image
  • 8715 Surf Dr Unit 1606B, Panama City, FL 32408

    $658,900

    • 2 Beds
    • 2 Baths
    • 1,310 Sq Ft
    • 8715 Surf Dr
    • Unit 1606B
    • Panama City, FL

    Live the coastal dream in this beautifully updated 2-bedroom, 2-bathroom Gulf-front condo with bonus bunks, located on the 16th floor of the sought-after Gulf Crest Condominiums. This spacious unit features an open-concept layout, wide-open views of the Gulf, and an expansive beachfront balcony--perfect for morning coffee, sunset cocktails, or simply soaking in the sounds of the surf.

    Courtney Harris CENTURY 21 AllPoints Realty

    Section Image
  • 8715 Surf Dr Unit 1402B, Panama City, FL 32408

    $650,000

    • 2 Beds
    • 2 Baths
    • 1,310 Sq Ft
    • 8715 Surf Dr
    • Unit 1402B
    • Panama City, FL

    OWNER FINANCE AVAILABLE!!! COMPETITIVE RATES AND REASONABLE TERMS!!Welcome to Gulf Crest Unit 1402B, an exquisite GATED community beachfront condo offering breathtaking, unobstructed views of the Gulf of Mexico from an expansive private balcony. This 2-bedroom, 2-bathroom unit features an open-concept floor plan with floor-to-ceiling windows that bathe the living spaces in natural light,

    Ramone Silvera Salty Marlin Realty LLC

    Section Image
  • 8727 Thomas Dr Unit B18, Panama City, FL 32408

    $530,000

    • 3 Beds
    • 3 Baths
    • 1,512 Sq Ft
    • 8727 Thomas Dr
    • Unit B18
    • Panama City, FL

    🌴 Sugar Beach Condominium - Unit B18 | 3 Bed | 3 Bath | Beautifully Renovated 🌊Welcome to Unit B18 at Sugar Beach, a stunning renovated 3-bedroom, 3-bath condo in the heart of Panama City Beach! This spacious coastal retreat is perfectly situated to enjoy tranquil views of decorative ponds, tennis courts, and community pool, and the emerald waters of the Gulf of America -- all

    Shelly McCaskill Panhandle Real Estate

    Section Image
  • 8727 Thomas Dr Unit C27, Panama City, FL 32408

    $539,000

    • 2 Beds
    • 2 Baths
    • 1,086 Sq Ft
    • 8727 Thomas Dr
    • Unit C27
    • Panama City, FL

    Rare Gulf-Front Jewel at Sugar Beach - The Only Gulf-Front Unit Available In Sugar Beach!Escape to your own slice of paradise with this exquisite third-floor walk-up (no elevators!) in the spacious Sugar Beach complex. This stunning unit, boasting an ultra-private balcony that feels just steps from the shimmering Gulf, offers an unmatched blend of luxury, comfort, and coastal charm. Perfect as a

    Matthew Jones Coastal Heritage Real Estate LLC

    Section Image
  • 9450 S Thomas Dr Unit 1804B, Panama City, FL 32408

    $635,000

    • 2 Beds
    • 2 Baths
    • 1,380 Sq Ft
    • 9450 S Thomas Dr
    • Unit 1804B
    • Panama City, FL

    2BR + BUNK ROOM! GULF FRONT unit with an expansive balcony, including walkout from Master BR! This unit has all new living room and dining room furniture and a fresh coat of paint (2025).The full-height windows in both the living room and master bedroom bring the beauty of the Emerald Coast indoors, enhancing the breathtaking scenery. Upon entry, the open layout invites you to explore the

    Carla Singleton Ohana Real Estate Services

    Section Image

Source: Central Panhandle Association of REALTORS®

MLS Number: 770321

Central Panhandle Association of REALTORS®

APN: 30470-070-000