NOT LISTED FOR SALE

Top of the Gulf Condos 8817 S Thomas Dr Unit A809 Panama City, FL 32408

Panama City Beach Area

Estimated Value: $221,000 - $244,000

5 Beds
1 Bath
489 Sq Ft
1976 Built

Sale Details

Date Sold: June 17, 2025

Last sale price $230,000 $470 Per Sq Ft

Est. 1% decrease in value since last sale

Current estimated payment $1,972 / mo

295 Days on Market

Highlights

  • Beach
  • In Ground Pool
  • Elevator
  • Property fronts gulf or ocean
  • Furnished
  • Living Room

About This Home

As of June 2025

Unique opportunity to own this cozy and newly updated highly desired top floor condo with spectacular views of the Emerald Coast. This unit is offered fully furnished, featuring two new queen beds , flatscreen tv, and a dining table for four beside a floor to ceiling window overlooking the white sandy beaches. This unit is fully updated with new AC, hot water heater, and cosmetic features such as a new backsplash, appliances, countertops, wood paneling, and more.
This building boasts newly redone elevators and recently resurfaced floors. Newly replaced exterior doors and windows, railings, and you can enjoy complex wide wifi. Grills are available for residents to BBQ and laundry services are available through the complex! The complex offers multiple balconies to enjoy panoramic views of the gulf, an awesome place to watch the waves crash and the vibrant sunsets. The well maintained and cozy complex of 200 condos and 8 stories offers private beach access. This appealing location is walkable to Pineapple Willy's beachfront restaurant, Signal Hill Golf Course, and many other restaurants and popular attractions. The complex is located in Top of the Gulf, a highly desired area, committed to excellence and community. This is an opportunity to own a cozy slice of paradise in Top of the Gulf.

Last Agent to Sell the Property

Jonathan Hill

Legacy Hill Realty Listed on: 07/26/2024

Co-Listed By

Meredith Wilkinson

Legacy Hill Realty License #3612475

Last Buyer's Agent

Test Test

ECN - Unknown Office

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Average Value
Not Available
List Price
Sold Price
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Property Details

Home Type

  • Condominium

Est. Annual Taxes

  • $2,849

Year Built

  • Built in 1976

HOA Fees

  • $482 Monthly HOA Fees

Home Design

  • Concrete Siding

Interior Spaces

  • 1 Full Bathroom
  • 489 Sq Ft Home
  • Furnished
  • Ceiling Fan
  • Living Room

Kitchen

  • Electric Oven or Range
  • Microwave
  • Freezer
  • Dishwasher

Outdoor Features

  • In Ground Pool
  • Built-In Barbecue

Schools

  • Breakfast Point Elementary And Middle School
  • Arnold High School

Additional Features

  • Central Heating and Cooling System

Listing and Financial Details

  • Assessor Parcel Number 34994-284-000

Community Details

Overview

  • Association fees include accounting, ground keeping, insurance, internet service, sewer, water, cable TV, trash
  • 200 Buildings
  • 200 Units
  • Top Of The Gulf Condo Subdivision
  • 8-Story Property

Amenities

  • Community Barbecue Grill
  • Picnic Area
  • Elevator

Recreation

  • Beach
  • Community Pool

Property Details

Home Type

Condominium

Est. Annual Taxes

$2,849

Year Built

Built in 1976

Lot Details

0 Sq Ft Lot

HOA Fees

$482 per month

Listing Details

  • Property Sub Type: Condominium
  • Prop. Type: Residential
  • Co List Office Mls Id: ELHR
  • Co List Office Phone: 205-370-5905
  • Subdivision Name: TOP OF THE GULF CONDO
  • Directions: Top of Gulf is located on the South side of Thomas Dr on the east end of Panama City Beach.
  • Architectural Style: N/A
  • Carport Y N: No
  • New Construction: No
  • Year Built: 1976
  • Remarks Misc:Remarks: Unique opportunity to own this cozy and newly updated highly desired top floor condo with spectacular views of the Emerald Coast. This unit is offered fully furnished, featuring two new queen beds , flatscreen tv, and a dining table for four beside a floor to ceiling window overlooking the white sandy beaches. This unit is fully updated with new AC, hot water heater, and cosmetic features such as a new backsplash, appliances, countertops, wood paneling, and more. This building boasts newly redone elevators and recently resurfaced floors. Newly replaced exterior doors and windows, railings, and you can enjoy complex wide wifi. Grills are available for residents to BBQ and laundry services are available through the complex!
  • Utilities Electric: Yes
  • Utilities:Public Sewer: Yes
  • Utilities:Public Water: Yes
  • Appliances Refrigerators: Yes
  • Energy:AC - Central Elect: Yes
  • Energy:Heat Cntrl Electric: Yes
  • Rooms:Living Room: Yes
  • Waterview:Gulf2: Yes
  • Waterfront:Gulf: Yes
  • Appliances Microwave: Yes
  • Energy:Ceiling Fans: Yes
  • Special Features: None

Interior Features

  • Furnished: Furnished - All
  • Number Of Buildings: 200
  • Appliances: Dishwasher, Freezer, Microwave, Refrigerator, Stove/Oven Electric
  • Full Bathrooms: 1
  • Stories: 8
  • Appliances:StoveOven Electric: Yes
  • Appliances Dishwasher: Yes
  • Interior:Furnished - All: Yes
  • Appliances:Freezer: Yes

Exterior Features

  • Pool Features: Pool - In-Ground, Pool Type
  • View: Gulf
  • Waterfront Features: Gulf
  • Waterfront: Yes
  • Construction Type: Concrete
  • Exterior Features: BBQ Pit/Grill
  • Property Condition: Renovated, Construction Complete
  • Construction Status:Construction Complete: Yes
  • ConstructionSiding:Concrete: Yes
  • Exterior:Pool - In-Ground: Yes
  • Exterior:BBQ PitGrill: Yes

Garage/Parking

  • General Property Info:Garage2: No

Utilities

  • Cooling: Ceiling Fans, Central Air
  • Cooling Y N: Yes
  • Heating: Central
  • Heating Yn: Yes
  • Sewer: Public Sewer
  • Utilities: Electric, Public Water

Condo/Co-op/Association

  • Community Features: BBQ Pit/Grill, Beach, Dumpster, Elevators, Picnic Area, Pool, Waterfront
  • Association #2 Fee: 482.0
  • Association Fee Frequency: Monthly
  • Association: Yes

Fee Information

  • Association Fee Includes: Accounting, Ground Keeping, Insurance, Internet Service, Sewer, Water, Cable TV, Trash

Schools

  • Elementary School: Breakfast Point
  • High School: Arnold
  • Middle Or Junior School: Breakfast Point

Lot Info

  • Parcel #: 34994-284-000

Multi Family

  • Number Of Units In Community: 200

Tax Info

  • Tax Annual Amount: 2849.0
  • Tax Year: 2023

Ownership History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Name Owned For Owner Type

Purchase Details

Listed on
Jul 26, 2024
Closed on
Jun 16, 2025
Sold by
Bought by
Seller's Agent
Jonathan Hill
Legacy Hill Realty
Buyer's Agent
Test Test
ECN - Unknown Office
List Price
$295,000
Sold Price
$230,000
Premium/Discount to List
-$65,000
-22.03%
Views
61
Current Estimated Value
$227,712

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$2,288
Avg. Annual Appreciation
-0.88%
Original Mortgage
$161,000
Outstanding Balance
$154,127
Interest Rate
5.92%
Mortgage Type
Construction
Estimated Equity
$73,585

Purchase Details

Closed on
Mar 31, 2022
Sold by
Bought by

Purchase Details

Closed on
Jan 18, 2012
Sold by
Bought by

Purchase Details

Closed on
Jul 21, 2005
Sold by
Bought by

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$159,920
Interest Rate
5.59%
Mortgage Type
Fannie Mae Freddie Mac

Purchase Details

Closed on
Feb 7, 2005
Sold by
Bought by

Purchase Details

Closed on
Aug 30, 2004
Sold by
Bought by

Purchase Details

Closed on
May 8, 2002
Sold by
Bought by

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$70,400
Interest Rate
7.8%
Mortgage Type
Purchase Money Mortgage
Source: Public Records

Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Agents Specializing in Panama City, FL

  • Laurie McKay Real Estate Agent - Coastal Living Realty & Associates

    Laurie McKay

    Coastal Living Realty & Associates

    (850) 818-8961

    39 Total Sales

    35 in Panama City Beach

    $215K - $565K Price Range

    Laurie McKay
     Section Image
  • Heather Fox Real Estate Agent - Beachy Beach Real Estate

    Heather Fox

    Beachy Beach Real Estate

    (850) 788-3718

    129 Total Sales

    30 in Panama City Beach

    $70K - $790K Price Range

    Heather Fox
     Section Image
  • Tanya Childs Real Estate Agent - Corcoran Reverie

    Tanya Childs

    Corcoran Reverie

    (720) 221-9253

    81 Total Sales

    29 in Panama City Beach

    $180K - $750K Price Range

    Tanya Childs
     Section Image
  • Sabine Robertson Real Estate Agent - Sea Haus Realty

    Sabine Robertson

    Sea Haus Realty

    (850) 820-0038

    77 Total Sales

    3 in Panama City Beach

    $509K - $612K Price Range

    Sabine Robertson
     Section Image
  • Tammy Elmore Snow Real Estate Agent - RC Real Estate Group

    Tammy Elmore Snow

    Responds Quickly

    RC Real Estate Group

    (239) 970-9968

    30 Total Sales

    10 in Panama City Beach

    $140K - $1.2M Price Range

    Tammy Elmore Snow
     Section Image
  • Renae Cooper Real Estate Agent - Real Broker LLC

    Renae Cooper

    Real Broker LLC

    (850) 919-3007

    36 Total Sales

    13 in Panama City Beach

    $80K - $540K Price Range

    Renae Cooper
     Section Image
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Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Buyer Sale Price Title Company
$230,000 South Oak Title
$250,000 Rushing Susan P
$55,000 Attorney
$199,900 --
$77,000 --
$70,100 --
$88,000 Lawyers Title Agency N Fl In
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Borrower Loan Amount
Open $161,000
Previous Owner $159,920
Previous Owner $70,400
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft
06/17/2025 06/17/25 Sold $230,000 -8.0% $470 / Sq Ft
05/17/2025 05/17/25 Pending -- -- --
03/25/2025 03/25/25 Price Changed $250,000 -3.8% $511 / Sq Ft
03/05/2025 03/05/25 Price Changed $260,000 -7.1% $532 / Sq Ft
11/22/2024 11/22/24 Price Changed $280,000 -5.1% $573 / Sq Ft
07/26/2024 07/26/24 For Sale $295,000 -- $603 / Sq Ft
Source: Emerald Coast Association of REALTORS®

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

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
2025 $2,860 $212,500 $212,500
2024 $2,849 $216,750 $216,750
2023 $2,849 $216,750 $0 $216,750
2022 $1,959 $119,261 $0 $0
2021 $1,648 $108,419 $0 $0
2020 $1,370 $108,543 $0 $108,543
2019 $1,169 $89,675 $0 $89,675
2018 $1,095 $81,457 $0 $0
2017 $905 $74,052 $0 $0
2016 $826 $67,320 $0 $0
2015 $755 $61,200 $0 $0
2014 $693 $56,100 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • J

    Seller's Agent in 2025

    Jonathan Hill

    Legacy Hill Realty

    (205) 370-5905

    58 Total Sales

    Jonathan Hill
    Section Image

  • M

    Seller Co-Listing Agent in 2025

    Meredith Wilkinson

    Legacy Hill Realty

    Section Image

  • T

    Buyer's Agent in 2025

    Test Test

    ECN - Unknown Office

    (585) 329-5058

    3,241 Total Sales

    Test Test
    Section Image
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About Top of the Gulf Condos

Map

Source: Emerald Coast Association of REALTORS®

MLS Number: 955581

Emerald Coast Association of REALTORS®

APN: 34994-284-000

Florida Bay County Panama City 32408

8817 S Thomas Dr Unit A809, Panama City, FL

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

Emerald Coast Association of REALTORS® IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.

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