$280,000

Estimated payment $1,681/month

Total Views 134
-- Bed
1 Bath
489 Sq Ft
$573 Price per Sq Ft

Highlights

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

About This Home

Top of the Gulf Unit 815 | Fully Updated Top-Floor Gulf-Front Condo in Panama City Beach! Welcome to Unit 815 at Top of the Gulf—an updated, fully furnished top-floor condo offering one of the most desirable and direct Gulf-front views in the entire building. Located on the sugar-white sands of Panama City Beach, this Gulf-front studio places you just steps from the shoreline with panoramic, unobstructed views of the Gulf of Mexico through a floor-to-ceiling beachfront window.
This turnkey condo has been thoughtfully remodeled with a brand-new queen bed, all new furniture, a flatscreen TV, and a dining space for four. The kitchen and living areas have been refreshed with modern appliances, new countertops, a stylish backsplash, white brick wall accents, new flooring, and updated finishes throughout. The result is a clean, modern coastal retreat ready for immediate enjoyment or rental use.
Top of the Gulf is a well-maintained beachfront community that has recently completed major building upgrades, including new elevators, resurfaced floors, new exterior doors and windows, updated balcony railings, and complex-wide Wi-Fi. Amenities include a Gulf-front pool, kiddie pool, fitness center, owners lounge, game room, BBQ grills, picnic areas, beach showers, a poolside snack bar, and convenient onsite laundry. The building is pet-friendly for owners, offers low HOA dues that include water, cable, internet, and parking, and is fully compliant with Florida's new condominium regulations—no special assessments.
Located on Thomas Drive, this condo is within walking distance to Pineapple Willy's, Signal Hill Golf Course, beachfront dining, shopping, entertainment, and popular Panama City Beach attractions. While Unit 815 has not been used as a vacation rental in recent years, it is rental-ready and positioned to perform exceptionally well as an investment property.
This top-floor Gulf-front condo is ideal for buyers seeking a personal retreat, full-time coastal living, or an income-producing beachfront investment. With premium views, modern upgrades, and a strong location in one of the most desirable condo buildings on the beach, Unit 815 offers true turnkey Gulf-front living in Panama City Beach.

Listing Agent

Rachel Warrell

eXp Realty, LLC License #SL3432761 Listed on: 11/17/2025

eXp Realty, LLC

Property Details

Home Type

  • Condominium

Est. Annual Taxes

  • $2,455

Year Built

  • Built in 1976

Interior Spaces

  • 1 Full Bathroom
  • Living Room
  • Breakfast Bar

Parking

  • Paved Parking
  • Parking Lot

Schools

  • Breakfast Point Elementary And Middle School
  • Arnold High School

Utilities

  • Central Air
  • Heating Available
  • High Speed Internet

Additional Features

  • Deeded access to the beach

Community Details

Overview

  • Property has a Home Owners Association
  • Association fees include clubhouse, cable TV, fitness facility, internet, laundry, ground maintenance, pool(s), trash, water
  • High-Rise Condominium
  • Top Of The Gulf Condo. Subdivision

Amenities

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

Recreation

  • Beach

Property Details

Home Type

Condominium

Est. Annual Taxes

$2,455

Year Built

Built in 1976

Lot Details

0

Listing Details

  • Property Type: Residential
  • Year Built: 1976
  • Property Sub Type: Condominium
  • Road Frontage Type: Deeded Access
  • Road Surface Type: Paved
  • Subdivision Name: Top Of The Gulf Condo.
  • Architectural Style: High Rise
  • New Construction: No
  • Property Sub Type Additional: Condominium
  • Special Features: VirtualTour

Interior Features

  • Interior Amenities: Breakfast Bar
  • Full Bathrooms: 1
  • Flooring: Luxury Vinyl Plank
  • Dining Room Type: Living Room

Exterior Features

  • Pool Features: Community
  • View: Gulf
  • View: Yes
  • Waterfront Features: Gulf, Shoreline - Sand, Deeded Access, Waterfront
  • Waterfront: Yes

Garage/Parking

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

Utilities

  • Utilities: Cable Connected, High Speed Internet Available, Trash Collection
  • Cooling: Central Air, Varies by Unit
  • Heating: Electric, Varies by Unit
  • Green Building Features: Dumpster
  • Cooling Y N: Yes
  • Heating Yn: Yes
  • Sewer: Public Sewer

Condo/Co-op/Association

  • Community Features: Barbecue, Beach, Clubhouse, Elevator, Fitness Center, Game Room, Laundry Facilities, Pool, Waterfront, Short Term Rental Allowed
  • Amenities: Beach Rights, Boat Ramp, Game Room, Barbecue, Picnic Area
  • Association Fee Frequency: Monthly
  • Association: Yes

Fee Information

  • Association Fee Includes: Clubhouse, Cable TV, Fitness Facility, Internet, Laundry, Maintenance Grounds, Pool(s), Trash, Water

Schools

  • Middle Or Junior School: Breakfast Point

Lot Info

  • Lot Features: Waterfront, Paved
  • Mobile Dim Units: Feet
  • Zoning Description: Resort

Multi Family

  • Number Of Units Furnished: All Units

Tax Info

  • Tax Annual Amount: 2455.0
  • Tax Year: 2024

MLS Schools

  • Elementary School: Breakfast Point
  • High School: Arnold

Map

Range of Values:

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Value Increase
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Percent Increase
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Adjusted for Inflation
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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 $2,367 $144,423 -- --
2023 $2,367 $216,750 $0 $216,750
2022 $1,960 $119,358 $0 $0
2021 $1,648 $108,507 $0 $0
2020 $1,419 $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

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
11/17/2025 11/17/25 For Sale $280,000 +166.7% $573 / Sq Ft
02/02/2020 02/02/20 Off Market $105,000 -- --
07/17/2017 07/17/17 For Sale $105,000 0.0% $215 / Sq Ft
06/30/2017 06/30/17 Sold $105,000 -- $215 / Sq Ft View Prior Sale
06/04/2017 06/04/17 Pending -- -- --
Source: Central Panhandle Association of REALTORS®

Purchase History

Date Type Sale Price Title Company
Warranty Deed $367,500 Omega Title Llc
Deed $105,000 --
Source: Public Records

Source: Central Panhandle Association of REALTORS®

MLS Number: 781757

Central Panhandle Association of REALTORS®

APN: 34994-290-000