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$224,900 -$25,000 (-10%) Price Reduced

  • For Sale
  • Active
  • Condo
  • 1 Bed
  • 1 Full Bath
  • Updated 3 days ago
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Welcome to Ocean Terrace Condominiums! This adorable second-floor, one-bedroom, one-bath condo is located directly across the street from the Gulf of Mexico and offers beautiful Gulf views. The open-concept floor plan features a spacious breakfast bar with ample counter space for meal preparation, a pantry, and a dining area perfect for enjoying your morning coffee or evening meal. The living area includes a convenient Murphy bed, providing additional sleeping accommodations. Tile flooring extends throughout the main living areas, while the bedroom is carpeted. The bathroom features a walk-in shower. Recent improvements include the replacement of all exterior windows with tinted, hurricane-rated windows, along with a new front entry door. Community amenities include a Gulf-front swimming pool and a covered picnic pavilion overlooking the beach. Restaurants, local attractions, shopping, and entertainment are all just a short walk away, while St. Andrews State Park is only minutes away for boating, fishing, kayaking, hiking, and exploring one of the area's most scenic coastal parks. Whether you're looking for a private beach retreat or a vacation rental opportunity, this turn-key ready condo offers beautiful Gulf views and a location that's just steps from the sugar-white sands of Panama City Beach.

Full Property Details for 8618 Surf Dr #208

General

  • Price: $224,900
  • HOA FEE: $541/month
  • HOA FEE FREQ.: Quarterly
  • Taxes: $2,119 (2025)
  • Status: Active
  • Type: Condo
  • Source: Bay_County
  • MLS ID: 793632
  • Updated: 10/5/2026
  • Added to Site: 64 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 left or north side of Surf Dr.

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

  • Property View: Gulf
  • Lot Dimensions: 0 x 0
  • Lot Features: Paved

Water Features

  • Water View: Yes

Financial Considerations

  • Association Fee: $1,622
  • Assoc Fee Freq.: Quarterly
  • Tax Amount: $2,119.35
  • Tax Year: 2025

Disclosures and Reports

  • Special Conditions: Listed As-Is
  • Legal Description: Attached - Exhibit A
  • Property ID: 30464-300-000

Listed by RC Real Estate Group

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Listing agent

— 8618 Surf Dr #208 —

  • 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 #208

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 #208 Get Price Alerts and Save Property

Date
Details
Price
Change
Source
10/05/2026
Price Reduced
$224,900
-10%
MLS
8/05/2026
Listed
$249,900
5711.63%
MLS
10/21/1998
Sold
$4,300
—
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 #208

Year
Property Taxes
Change
Tax Assessment
Change
2024
$2,062
—
$117,378
-51%
2024
$2,062
26%
$240,428
44%
2023
$1,639
28%
$167,501
31%
2021
$1,278
-5%
$127,500
-9%
2022
$1,347
5%
$140,250
66%
2021
$1,278
32%
$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 #208

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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 #208, Panama City Beach, FL 32408 (MLS# 793632) is a Condo property with 1 bedroom and 1 full bathroom. 8618 Surf Drive #208 is currently listed for $224,900 and was received on August 06, 2026. Want to learn more about 8618 Surf Drive #208? 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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