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$1,545,000
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Property Description
Coastal luxury without the gulf front pricing. It is located directly across the street from the Gulf with a large pool and outdoor area. Surf Drive is a short unique street in PCB. It is only a mile long so there is not much traffic. This house is in an upscale area with many large gulf front houses within the block. This beautiful home was completely updated in 2024 and 2025. The large pool area is a great place to hang out and enjoy being at the beach. The whole pool area has stone pavers with many tables and chairs. There is both a pool and hot tub. A vinyl fence surrounds the house. All of the ceilings are shiplap and all of the flooring is LVP. It is completely furnished and rental ready. It is a corner lot with stone pavers. Parking will never be a problem as there is parking in front of the house as well as the side. It is a very short walk to either beach walk 19 or 20. You can be on the sand within a couple of minutes from the driveway. There is a large master bedroom with a large closet that can be used to put a port-a-crib for small children. A new AC was installed in addition to the other updates. The kitchen, family room and dining room make for a very large open area for the whole group to gather. There is a large big screen TV in the family room. There is a large granite top island in the kitchen that makes it easy to serve meals to a large group. All of the bathrooms are new. The hall bath has a new tub with tile around it and a sliding glass door. The other two bathrooms have tile showers with sliding glass doors. There is blue tooth connections in the bathroom fans so you can listen to music. There are a large number of hooks in the bathrooms for towels and swim suits. The outdoor shower has both cold and hot water on the side of the house when you come in from the beach. The laundry room is off of the kitchen area. The current bed configuration sleeps 18 including the pull out couch. The bunk bedroom has large built in wood bunks that can sleep 4 adults easily and even more children.
Full Property Details
Full Property Details for 8312 Surf Dr
General
- Price: $1,545,000
- Taxes: $8,202 (2024)
- Status: Active
- Type: Single Family
- Source: Bay_County
- MLS ID: 781328
- Updated: 5/4/2026
- Added to Site: 17 day(s) ago
Interior
- Number of Rooms: 5
- Appliances: Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater
- Flooring: Luxury Vinyl Plank
Rooms
Bathrooms
- Total Bathrooms: 3
- Full Bathrooms: 3
Bedrooms
- Total Bedrooms: 5
Additional Information
- Pool: Yes
- Private Pool: Yes
- Pool Description: Fiberglass, In Ground, Private
Exterior
- Exterior Features: Outdoor Shower
Location
- County: Bay
- Subdivision: Bel Air
- Driving Directions: Go east on Thomas Drive from Joan Ave. to Albacore and turn south toward beach. Property is on the corner of Albacore and Surf.
School Information
- Elementary School: Breakfast Point
- Middle School: Breakfast Point
- High School: Arnold
Community
- Community Name: 03 - Bay County - Beach
Heating & Cooling
- Central air: Yes
- Air Conditioning: Yes
- Cooling Type: Central Air, Ceiling Fan(s), Heat Pump
- Heating Type: Central, Electric, Heat Pump
Utilities
- Sewer: Public Sewer
- Utility Description: Cable Connected, Electricity Available, High Speed Internet Available
Structural Information
- Architectural Style: Coastal
- Construction: Brick
- Roof: Composition, Shingle
- Sq. Ft. Source: Appraiser
- Year Built: 1980
Lot Features
- Lot Size (Acres): 0.13
- Lot Size (Sq. Ft.): 5,500
- Lot Size: .13
- Lot Dimensions: 50 x 110
- Frontage: City Street
- Zoning: Resort
- Fencing (Description): Full, Fenced
Financial Considerations
- Tax Amount: $8,202
- Tax Year: 2024
Disclosures and Reports
- Special Conditions: Listed As-Is
- Legal Description: BEL AIR LOT 12 BLK 14 ORB 4308 P 997
- Property ID: 30385-000-000
Listed by Lifes A Beach Real Estate, LLC
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Schools
Schools serving 8312 Surf Dr
School District:Bay County School District
| Name | Grades | Distance |
|---|---|---|
Breakfast Point Academy 601 N Richard Jackson Boulevard, Panama City Beach, FL 32407 | K-8 | 2.5 mi |
J.R. Arnold High School 550 North Alf Coleman Road, Panama City Beach, FL 32407 | 9-12 | 3.5 mi |
Disclaimer:
School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 8312 Surf Dr
Date
Details
Price
Change
Source
12/12/2025
Price Reduced
$1,545,000
-3.13%
MLS
11/06/2025
Listed
$1,595,000
77.22%
MLS
12/08/2023
Sold
$900,000
—
Public Record
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Tax History
Tax History for 8312 Surf Dr
Year
Property Taxes
Change
Tax Assessment
Change
2025
$7,938
-3%
$645,712
-3%
2024
$8,202
54%
$664,176
31%
2023
$5,334
16%
$507,104
33%
2021
$4,597
21%
$380,013
17%
2022
$3,805
-17%
$325,475
2%
2021
$4,597
78%
$320,414
55%
2019
$2,587
-8%
$206,695
-7%
2018
$2,812
7%
$221,429
8%
2017
$2,625
-2%
$205,088
—
2016
$2,680
-3%
$205,657
—
2015
$2,762
-1%
$206,225
-1%
2014
$2,794
11%
$208,936
-2%
2013
$2,523
—
$212,588
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 8312 Surf Dr
8312 Surf Drive, Panama City Beach, FL 32408 (MLS# 781328) is a Single Family property with 5 bedrooms and 3 full bathrooms. 8312 Surf Drive is currently listed for $1,545,000 and was received on May 04, 2026. Want to learn more about 8312 Surf Drive? Do you have questions about finding other Single Family real estate for sale in Panama City Beach? You can browse all Panama City Beach real estate or contact a Coldwell Banker agent to request more information.

