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$279,900 Just Listed

  • For Sale
  • Active
  • Condo
  • 1 Bed
  • 1 Full Bath
  • Updated 2 days ago
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Welcome to this charming, updated 1-bedroom, 1-bath condominium at Ocean Terrace Condominiums in Panama City Beach. Located in a low-density, two-story Gulf-side community, this beautifully maintained unit is just steps from the sugar-white sands and emerald waters of the Gulf of Mexico. Inside, you'll find a tastefully updated kitchen featuring stainless steel appliances, a tile backsplash, updated cabinetry and countertops, as well as attractive plank tile flooring throughout. The bathroom has been updated with a beautifully tiled, glass-enclosed shower and vanity, adding a modern touch to the space. A portion of the living area is currently being utilized as flexible space and is arranged as an additional sleeping area, providing added versatility for owners and guests. Community amenities include a Gulf-front swimming pool and a covered pavilion with picnic tables, offering the perfect spot to relax after a day at the beach. The convenient location places you within walking distance of restaurants, shopping, and entertainment, while nearby St. Andrews State Park offers opportunities for boating, fishing, kayaking, hiking, and enjoying Florida's natural beauty. Whether you're looking for a vacation getaway, investment property, or your own beach retreat, this turn-key ready condo combines tasteful updates with an unbeatable location.

Full Property Details for 8618 Surf Dr #206

General

  • Price: $279,900
  • HOA FEE: $474/month
  • HOA FEE FREQ.: Quarterly
  • Taxes: $2,601 (2025)
  • Status: Active
  • Type: Condo
  • Source: Bay_County
  • MLS ID: 793610
  • Updated: 8/5/2026
  • Added to Site: 4 day(s) ago

Interior

  • Number of Rooms: 5
  • Interior Features: Shower Only
  • Appliances: Electric Range, Electric Water Heater

Rooms

Bathrooms

  • Total Bathrooms: 1
  • Full Bathrooms: 1

Bedrooms

  • Total Bedrooms: 1

Additional Information

  • Shared Amenities: Gazebo
  • Pool: Yes
  • Pool Description: In Ground, Community
  • Security/Safety: Smoke Detector(s)

Parking

  • Parking Features: Paved, Parking Lot

Location

  • County: Bay
  • Subdivision: Ocean Terr. Condo.
  • Driving Directions: Head south on Joan Avenue across Thomas Dr. Continue straight as Joan Ave. becomes Surf Dr. Continue east on Surf Dr. until you see Ocean Terrace Condominium. The property will be on the right, beach side.

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: Cable TV, Insurance, Pest Control, Pool(s), Sewer, Water

Heating & Cooling

  • Central air: Yes
  • Air Conditioning: Yes
  • Cooling Type: Central Air, Ceiling Fan(s)
  • Heating Type: Central, Electric

Utilities

  • Sewer: Public Sewer
  • Utility Description: Cable Connected, Electricity Available

Structural Information

  • Architectural Style: Low Rise
  • Stories/Levels: 2
  • Sq. Ft. Source: Appraiser
  • Year Built: 1982

Lot Features

  • Lot Dimensions: 0 x 0
  • Lot Features: Paved

Water Features

  • Water Front: Yes
  • Water Front Desc.: Gulf
  • Water Front View: Gulf

Financial Considerations

  • Association Fee: $1,422
  • Assoc Fee Freq.: Quarterly
  • Tax Amount: $2,601.42
  • Tax Year: 2025

Disclosures and Reports

  • Legal Description: Attached - Exhibit A
  • Property ID: 30464-280-000

Listed by RC Real Estate Group

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Listing agent

— 8618 Surf Dr #206 —

  • RC Real Estate Group

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 8618 Surf Dr #206

School District:Bay County School District
NameGradesDistance
Breakfast Point Academy
601 N Richard Jackson Boulevard, Panama City Beach, FL 32407
K-82.2 mi
J.R. Arnold High School
550 North Alf Coleman Road, Panama City Beach, FL 32407
9-123.2 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 8618 Surf Dr #206 Get Price Alerts and Save Property

Date
Details
Price
Change
Source
8/05/2026
Listed
$279,900
86.6%
MLS
8/07/2020
Sold
$150,000
—
Public Record
Get Price Alerts and Save Property
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 for 8618 Surf Dr #206

Year
Property Taxes
Change
Tax Assessment
Change
2025
$2,561
2%
$236,604
-2%
2024
$2,501
23%
$240,428
44%
2023
$2,041
30%
$167,501
31%
2021
$1,569
-6%
$127,500
-9%
2022
$1,662
6%
$140,250
66%
2021
$1,569
62%
$84,735
28%
2019
$966
2%
$66,256
10%
2018
$944
16%
$60,233
-11%
2017
$813
3%
$67,788
1%
2016
$789
11%
$66,816
48%
2015
$711
4%
$45,254
10%
2014
$684
43%
$41,140
10%
2013
$477
—
$37,400
—
View All
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 for 8618 Surf Dr #206

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*These costs are estimates, and the interest rates assume exceptional credit standing.

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Listed by RC Real Estate Group

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8618 Surf Drive #206, Panama City Beach, FL 32408 (MLS# 793610) is a Condo property with 1 bedroom and 1 full bathroom. 8618 Surf Drive #206 is currently listed for $279,900 and was received on August 05, 2026. Want to learn more about 8618 Surf Drive #206? 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.

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