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Property Description
RARE GULF-FRONT OPPORTUNITY | GRANDE SURF CLUB 12W | NEVER RENTED | CUSTOM HIGH-END FINISHES | PRIVATE, LOW-DENSITY LIVING Welcome to Grande Surf Club Unit 12W, an exceptional Gulf-front residence that stands apart from the typical Panama City Beach condo. This is a never-rented, owner-occupied unit, meticulously maintained and enjoyed exclusively as a personal residence. From the moment you enter, the quality, craftsmanship, and attention to detail are immediately apparent. Located in one of the most exclusive and desirable low-density Gulf-front buildings in Panama City Beach, Grande Surf Club has only two residences per floor, creating a level of privacy and tranquility that is increasingly difficult to find along the beach. Unit 12W offers the feel of a private beachfront home while still providing the convenience and amenities of condominium living. Inside, you'll find high-end finishes, custom details, and a beautifully designed interior that was clearly created for personal enjoyment rather than a typical rental setup. The custom ceiling treatments add character and sophistication, while the spacious living area provides the perfect setting for relaxing, entertaining, and taking in the Gulf-front lifestyle. The furnishings and appointments continue that elevated feel, including a massive leather sectional, electric fireplace, and an impressive dining table with seating for eight. Even better, the dining table transforms into a full poker table, creating a unique entertainment space for family and friends. Step outside and experience the true centerpiece of coastal living--the Gulf. Enjoy your morning coffee with the sound of the waves, relax in the afternoon breeze, or gather with guests as the sun sets over the emerald waters. The Gulf-front setting provides the backdrop that buyers dream about when searching for a Panama City Beach residence. Because this condo has never been placed in a rental program, it offers a rare opportunity for a buyer who values condition, privacy, and personal-use ownership. You won't be purchasing a heavily used vacation rental--you'll be stepping into a residence that has been cared for and enjoyed by its owner. Grande Surf Club is a destination within a destination, offering private beach access, a resort-style community pool, and a peaceful atmosphere without the crowds and density found at many larger beachfront developments. If you're searching for a truly special Gulf-front condo in Panama City Beach--one with exceptional finishes, custom character, low-density privacy, and a history of personal ownership--Grande Surf Club 12W deserves your attention. Opportunities to purchase a residence of this caliber in a building with only two units per floor are limited. Schedule your private showing and see what makes Unit 12W one of the standout residences at Grande Surf Club.
Full Property Details
Full Property Details for 8601 Surf Dr #12W
General
- Price: $849,000
- HOA FEE: $1,420/month
- HOA FEE FREQ.: Quarterly
- Taxes: $9,567 (2025)
- Status: Active
- Type: Condo
- Source: Bay_County
- MLS ID: 794631
- Updated: Today (8/26/2026)
- Added to Site: Today
Interior
- Number of Rooms: 3
- Interior Features: Main Level Primary
Rooms
Bathrooms
- Total Bathrooms: 2
- Full Bathrooms: 2
Bedrooms
- Total Bedrooms: 3
Additional Information
- Shared Amenities: Beach Rights
- Pool: Yes
- Pool Description: Community
Location
- County: Bay
- Subdivision: Grande Surf Club Condo
- Driving Directions: Traveling on Joan Ave, cross over Thomas Dr and Joan Ave turns in to Surf dr. The Condo is the second high rise on the right.
School Information
- Elementary School: Breakfast Point
- Middle School: Breakfast Point
- High School: Arnold
Community
- Community Name: 03 - Bay County - Beach
- Association: Yes
- Assoc. Fees Include: Internet, Pool(s), Sewer, Trash, Water
Utilities
- Sewer: Public Sewer
- Utility Description: High Speed Internet Available
Structural Information
- Architectural Style: High Rise
- Stories/Levels: 15
- Sq. Ft. Source: Owner
- Year Built: 2000
Lot Features
- Lot Dimensions: 0 x 0
Water Features
- Water Front: Yes
- Water Front Desc.: Gulf
- Water Front View: Gulf
Financial Considerations
- Association Fee: $4,260
- Assoc Fee Freq.: Quarterly
- Tax Amount: $9,567.7
- Tax Year: 2025
Disclosures and Reports
- Legal Description: GRANDE SURF CLUB CONDO UNIT 12 WEST ORB 1975 P 386 ORB 4289 P 1788 3BR 2B 1783 H&C
- Property ID: 30473-170-024
Listed by Hilltop Legacy Realty
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Schools
Schools serving 8601 Surf Dr #12W
School District:Bay County School District
| Name | Grades | Distance |
|---|---|---|
Breakfast Point Academy 601 N Richard Jackson Boulevard, Panama City Beach, FL 32407 | K-8 | 2.3 mi |
J.R. Arnold High School 550 North Alf Coleman Road, Panama City Beach, FL 32407 | 9-12 | 3.3 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 8601 Surf Dr #12W
Date
Details
Price
Change
Source
8/26/2026
Listed
$849,000
—
MLS
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 8601 Surf Dr #12W
Year
Property Taxes
Change
Tax Assessment
Change
2025
$8,268
-7%
$786,192
-1%
2024
$8,935
17%
$790,500
31%
2023
$7,632
15%
$603,500
9%
2021
$6,609
1%
$554,158
—
2022
$6,564
—
$554,158
—
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 8601 Surf Dr #12W
8601 Surf Drive #12W, Panama City Beach, FL 32408 (MLS# 794631) is a Condo property with 3 bedrooms and 2 full bathrooms. 8601 Surf Drive #12W is currently listed for $849,000 and was received on August 27, 2026. Want to learn more about 8601 Surf Drive #12W? Do you have questions about finding other Condo 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.

