NOT LISTED FOR SALE

Estimated Value: $215,303

5 Beds
1 Bath
489 Sq Ft
1976 Built

Sale Details

Date Sold: May 21, 2026

Last sale price $219,900 $450 Per Sq Ft

Est. 2% decrease in value since last sale

Current estimated payment $1,411 / mo

24 Days on Market

Highlights

  • Beach
  • Deeded access to the beach
  • Gated Community
  • Property fronts gulf or ocean
  • In Ground Pool
  • Clubhouse

About This Home

As of May 2026

Beautiful gulf-front unit in the highly sought-after 13th stack at Top of the Gulf, offering some of the best views in the building. Located on the 8th floor, this unit sits above it all with sweeping views of the Gulf of Mexico and incredible sunsets. This fully furnished condo features a beautifully updated interior with gorgeous white quartz countertops, white cabinetry, updated appliances, and tile flooring throughout, creating a clean and coastal feel. Top of the Gulf is a well-maintained beachfront community with private beach access and a strong list of amenities including a large gulf-side pool, kiddie pool, fitness center, game room, owners lounge, BBQ and picnic areas, beachside snack bar, and complex-wide Wi-Fi. Recent improvements include new exterior doors and windows, updated railings, resurfaced floors, and renovated elevators. HOA dues are only $525 per month and include water, cable, internet, trash, pest control, parking, and more. The community is pet-friendly for owners and features an on-site management office. Located on Thomas Drive, this property is walkable to Pineapple Willy's, Signal Hill Golf Course, and numerous restaurants and attractions, placing you in one of the most convenient and popular areas of Panama City Beach. Rental performance for similar units ranges from approximately $27,000 to $50,000 annually depending on usage and management. A rare opportunity to own a gulf-front unit in one of the best positions in the building, combining location, views, and overall value. Please note: One of the beds in the unit is different than pictured. With an acceptable offer, seller will entertain replacing one of the beds to match the other at buyer's choice.

Last Agent to Sell the Property

Beth Mulvey

Beach House Sales and Development License #3390217 Listed on: 03/26/2026

Last Buyer's Agent

Edgar Barnette

Bright Realty Solutions License #SL3527415

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Property Details

Home Type

  • Condominium

Est. Annual Taxes

  • $2,764

Year Built

  • Built in 1976

Parking

  • Parking Lot

Home Design

  • Entry on the 8th floor
  • Flat Roof Shape

Kitchen

  • Electric Oven
  • Electric Cooktop

Bedrooms and Bathrooms

  • Studio bedroom
  • 1 Full Bathroom

Home Security

  • Security Lights
  • Security Gate

Pool

  • In Ground Pool
  • Fence Around Pool
  • Outdoor Shower

Outdoor Features

  • Deeded access to the beach
  • Balcony
  • Deck

Schools

  • Breakfast Point Elementary And Middle School
  • Arnold High School

Utilities

  • Central Air
  • Heating Available
  • Electric Water Heater
  • High Speed Internet

Additional Features

Community Details

Overview

  • Property has a Home Owners Association
  • High-Rise Community
  • Top Of The Gulf Condo. Subdivision
  • 8-Story Property

Amenities

  • Community Barbecue Grill
  • Clubhouse
  • Game Room
  • Laundry Facilities
  • Elevator

Recreation

  • Beach
  • Community Pool
  • Park

Security

  • Security Guard
  • Gated Community
  • Storm Windows

Property Details

Home Type

Condominium

Est. Annual Taxes

$2,764

Year Built

Built in 1976

Lot Details

0 Sq Ft Lot

Listing Details

  • Property Type: Residential
  • Year Built: 1976
  • Property Sub Type: Condominium
  • Lot Size: 0
  • Subdivision Name: Top Of The Gulf Condo.
  • Architectural Style: High Rise
  • Entry Level: 8
  • New Construction: No
  • Building Stories: 8
  • Property Sub Type Additional: Condominium
  • Special Features: None
  • Stories: 8

Interior Features

  • Appliances: Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater
  • Full Bathrooms: 1
  • Dining Room Type: Studio
  • Stories: 8
  • Window Features: Storm Window(s)

Exterior Features

  • Pool Features: Fenced, In Ground, Community
  • View: Gulf
  • View: Yes
  • Waterfront Features: Gulf, Shoreline - Sand
  • Waterfront: Yes
  • Construction Type: Block, Concrete
  • Exterior Features: Barbecue, Covered Patio, Deck, Outdoor Shower
  • Patio And Porch Features: Balcony, Deck
  • Roof: Flat

Garage/Parking

  • Parking Features: Parking Lot
  • Garage: No
  • Attached Garage: No

Utilities

  • Utilities: Cable Connected, Electricity Available, High Speed Internet Available
  • Security Features: Security Gate, Security Guard, Security Lights, Security Service
  • Cooling: Central Air
  • Heating: Electric
  • Cooling Y N: Yes
  • Heating Yn: Yes
  • Sewer: Public Sewer

Condo/Co-op/Association

  • Community Features: Beach, Clubhouse, Elevator, Fitness Center, Game Room, Gated, Laundry Facilities, Park, Pool, Waterfront, Barbecue, Community Pool, Short Term Rental Allowed
  • Amenities: Beach Rights, Game Room, Barbecue
  • Association: Yes

Schools

  • Middle Or Junior School: Breakfast Point

Lot Info

  • Lot Features: Sprinkler System, Paved
  • Mobile Dim Units: Feet

Multi Family

  • Number Of Units Furnished: All Units

Tax Info

  • Tax Annual Amount: 2764.0
  • Tax Year: 2025

MLS Schools

  • Elementary School: Breakfast Point
  • High School: Arnold

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
Mar 26, 2026
Closed on
May 21, 2026
Sold by
Bought by
Seller's Agent
Beth Mulvey
Beach House Sales and Development
Buyer's Agent
Edgar Barnette
Bright Realty Solutions
List Price
$219,900
Sold Price
$219,900
Views
27
Current Estimated Value
$215,303

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$4,597
Avg. Annual Appreciation
-8.10%
Original Mortgage
$161,925
Outstanding Balance
$161,775
Interest Rate
6.37%
Mortgage Type
New Conventional
Estimated Equity
$53,528

Purchase Details

Listed on
Aug 11, 2020
Closed on
Nov 20, 2020
Sold by
Bought by
Buyer's Agent
HERBERT CHANDLER
Sun Property Management
List Price
$179,000
Sold Price
$172,000
Premium/Discount to List
-$7,000
-3.91%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
4.57%

Purchase Details

Listed on
Dec 1, 2016
Closed on
Apr 28, 2017
Sold by
Bought by
Seller's Agent
Brook Simmons
Keller Williams Success Realty
Buyer's Agent
Brook Simmons
Keller Williams Success Realty
List Price
$95,500
Sold Price
$88,000
Premium/Discount to List
-$7,500
-7.85%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
20.65%
Original Mortgage
$70,400
Interest Rate
4.3%
Mortgage Type
New Conventional

Purchase Details

Closed on
Feb 22, 2011
Sold by
Bought by

Purchase Details

Closed on
Apr 18, 2003
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
$76,000
Interest Rate
4.62%
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

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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
$215,900 Omega National Title Agency
$172,000 Defender T&E Agcy Llc
$88,000 None Available
$40,000 First American Title Ins Co
$95,000 Diamond Title Agency Inc
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 $161,925
Previous Owner $70,400
Previous Owner $152,000
Previous Owner $76,000
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 Prior Sale
05/21/2026 05/21/26 Sold $219,900 0.0% $450 / Sq Ft
04/19/2026 04/19/26 Pending -- -- --
03/26/2026 03/26/26 For Sale $219,900 +149.9% $450 / Sq Ft
06/20/2022 06/20/22 Off Market $88,000 -- --
11/20/2020 11/20/20 Sold $172,000 -3.9% $352 / Sq Ft View Prior Sale
08/11/2020 08/11/20 For Sale $179,000 +103.4% $366 / Sq Ft
04/28/2017 04/28/17 Sold $88,000 -7.9% $180 / Sq Ft View Prior Sale
03/17/2017 03/17/17 Pending -- -- --
11/29/2016 11/29/16 For Sale $95,500 -- $195 / Sq Ft
Source: Central Panhandle 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 $2,764 $201,607
2024 $2,567 $183,279
2023 $2,567 $216,750 $0 $216,750
2022 $2,110 $151,470 $0 $0
2021 $1,787 $137,700 $0 $137,700
2020 $1,370 $108,543 $0 $108,543
2019 $1,169 $89,675 $0 $89,675
2018 $1,095 $81,600 $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

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Map

Source: Central Panhandle Association of REALTORS®

MLS Number: 787148

Central Panhandle Association of REALTORS®

APN: 34994-288-000

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