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$429,000
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Property Description
Gulf Front Unit situated on the 3rd floor. Unit #306 is a west side corner unit with approximately 1,000+-SF. Sit on your private balcony and enjoy the views to the Gulf of Mexico and pool. The unit features two bedrooms; (King Bed in Main Bedroom and King and Twin Bunk Beds in second bedroom); two baths; living room/dining area; kitchen (newly renovated); stacked washer and dryer; unit sleeps 8; well maintained and complex is well managed. Great second home or beach vacation rental. Whispering seas is a low rise walk up complex with only three floors; 30 units and approximately 190 feet along the Gulf of Mexico. Pool is located gulf side with grilling stations, gazebo and picnic areas.
Full Property Details
Full Property Details for 8610 Surf Dr #306
General
- Price: $429,000
- Taxes: $3,429 (2024)
- Status: Active
- Type: Condo
- Source: Bay_County
- MLS ID: 771636
- Updated: 1/6/2026
- Added to Site: 285 day(s) ago
Interior
- Number of Rooms: 3
- Appliances: Electric Range, Electric Water Heater
Rooms
Bathrooms
- Total Bathrooms: 2
- Full Bathrooms: 2
Bedrooms
- Total Bedrooms: 2
Additional Information
- Shared Amenities: Other, See Remarks, Barbecue, Picnic Area
- Pool: Yes
- Private Pool: Yes
- Pool Description: In Ground, Private
- Security/Safety: Smoke Detector(s)
Exterior
- Exterior Features: Barbecue, Deck
- Porch/Patio/Deck: Balcony, Deck
Parking
- Parking Features: Paved, Parking Lot
Location
- County: Bay
- Subdivision: Whispering Seas
- Driving Directions: South on Joan Avenue straight on Joan Avenue (at light) as you crossover Thomas Drive Road, the road becomes Surf Drive. Property will be up on the right on the Gulf. Unit is on the third floor right side of the building. This is a walk up, no elevators.
School Information
- Elementary School: Breakfast Point
- Middle School: Breakfast Point
- High School: Arnold
Community
- Community Name: 03 - Bay County - Beach
- Association: Yes
Heating & Cooling
- Central air: Yes
- Air Conditioning: Yes
- Cooling Type: Central Air
- Heating Type: Central, Electric
Utilities
- Sewer: Public Sewer
- Utility Description: Cable Connected, Electricity Available
Structural Information
- Architectural Style: Low Rise
- Stories/Levels: 3
- Sq. Ft. Source: Appraiser
- Year Built: 1987
- Other Struct. Feat.: Dumpster
Lot Features
- Property View: Gulf
- Lot Dimensions: 0 x 0
- Lot Features: Paved
- Zoning: County
Water Features
- Water Front: Yes
- Water View: Yes
- Water Front Desc.: Shoreline - Sand, Shoreline - Natural
- Water Front View: Shoreline - Sand, Shoreline - Natural
Financial Considerations
- Tax Amount: $3,429
- Tax Year: 2024
Disclosures and Reports
- Special Conditions: Listed As-Is
- Legal Description: WHISPERING SEAS UNIT 306 ORB 1162 P 1282 ORB 2362 1BR 1B 1000 H&C P 1916
- Property ID: 30464-081-050
Listed by Coastal Real Estate Group, Inc
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Schools
Schools serving 8610 Surf Dr #306
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 Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 8610 Surf Dr #306
Date
Details
Price
Change
Source
12/10/2025
Price Reduced
$429,000
-0.23%
MLS
4/08/2025
Listed
$430,000
244%
MLS
11/10/2003
Sold
$125,000
—
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 8610 Surf Dr #306
Year
Property Taxes
Change
Tax Assessment
Change
2024
$3,429
2%
$357,000
—
2023
$3,363
29%
$357,000
32%
2021
$2,606
-8%
$269,875
-13%
2022
$2,823
8%
$310,760
38%
2021
$2,606
13%
$225,250
70%
2019
$2,302
18%
$132,868
10%
2018
$1,957
12%
$120,789
-25%
2017
$1,746
23%
$160,650
41%
2016
$1,414
1%
$114,155
26%
2015
$1,399
16%
$90,750
10%
2014
$1,211
32%
$82,500
10%
2013
$916
—
$75,000
—
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 8610 Surf Dr #306
8610 Surf Drive #306, Panama City Beach, FL 32408 (MLS# 771636) is a Condo property with 2 bedrooms and 2 full bathrooms. 8610 Surf Drive #306 is currently listed for $429,000 and was received on April 08, 2025. Want to learn more about 8610 Surf Drive #306? 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.

