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$245,000
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Property Description
Top of the Gulf Unit 815 | Fully Updated Top-Floor Gulf-Front Condo in Panama City Beach! Welcome to Unit 815 at Top of the Gulf-an updated, fully furnished top-floor condo offering one of the most desirable and direct Gulf-front views in the entire building. Located on the sugar-white sands of Panama City Beach, this Gulf-front studio places you just steps from the shoreline with panoramic, unobstructed views of the Gulf of Mexico through a floor-to-ceiling beachfront window. This turnkey condo has been thoughtfully remodeled with a brand-new queen bed, all new furniture, a flatscreen TV, and a dining space for four. The kitchen and living areas have been refreshed with modern appliances, new countertops, a stylish backsplash, white brick wall accents, new flooring, and updated finishes throughout. The result is a clean, modern coastal retreat ready for immediate enjoyment or rental use. Top of the Gulf is a well-maintained beachfront community that has recently completed major building upgrades, including new elevators, resurfaced floors, new exterior doors and windows, updated balcony railings, and complex-wide Wi-Fi. Amenities include a Gulf-front pool, kiddie pool, fitness center, owners lounge, game room, BBQ grills, picnic areas, beach showers, a poolside snack bar, and convenient onsite laundry. The building is pet-friendly for owners, offers low HOA dues that include water, cable, internet, and parking, and is fully compliant with Florida's new condominium regulations-no special assessments. Located on Thomas Drive, this condo is within walking distance to Pineapple Willy's, Signal Hill Golf Course, beachfront dining, shopping, entertainment, and popular Panama City Beach attractions. While Unit 815 has not been used as a vacation rental in recent years, it is rental-ready and positioned to perform exceptionally well as an investment property. This top-floor Gulf-front condo is ideal for buyers seeking a personal retreat, full-time coastal living, or an income-producing beachfront investment. With premium views, modern upgrades, and a strong location in one of the most desirable condo buildings on the beach, Unit 815 offers true turnkey Gulf-front living in Panama City Beach.
Full Property Details
Full Property Details for 8817 S Thomas Dr #A815
General
- Price: $245,000
- Taxes: $2,455 (2024)
- Status: Active
- Type: Condo
- Source: Bay_County
- MLS ID: 781757
- Updated: 1/8/2026
- Added to Site: 61 day(s) ago
Interior
- Number of Rooms: 1
- Flooring: Luxury Vinyl Plank
Rooms
Bathrooms
- Total Bathrooms: 1
- Full Bathrooms: 1
Additional Information
- Shared Amenities: Game Room, Barbecue, Picnic Area
- Pool: Yes
- Pool Description: Community
Parking
- Parking Features: Paved, Parking Lot
Location
- County: Bay
- Driving Directions: From Front Beach Road and Thomas Drive, travel on Thomas Drive, past Signal Hill Golf Course to the next traffic light. Turn right then take an immediate left. Top of the Gulf will be on the right
School Information
- Elementary 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, Varies by Unit
- Heating Type: Electric, Varies by Unit
Utilities
- Sewer: Public Sewer
- Utility Description: Cable Connected, High Speed Internet Available
Structural Information
- Architectural Style: High Rise
- Elevator: Yes
- Sq. Ft. Source: Appraiser
- Year Built: 1976
- Other Struct. Feat.: Dumpster
Lot Features
- Property View: Gulf
- Lot Dimensions: 0 x 0
- Lot Features: Paved
- Zoning: Resort
Water Features
- Water Front: Yes
- Water View: Yes
- Water Front Desc.: Shoreline - Sand
- Water Front View: Shoreline - Sand
Financial Considerations
- Tax Amount: $2,455
- Tax Year: 2024
Disclosures and Reports
- Legal Description: TOP OF THE GULF CONDO UNIT # A-815 ORB 504 P 566 ORB 3915 P 1287 EFF 1B 489 H&C
- Property ID: 34994-290-000
Listed by eXp Realty, LLC
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Schools
Schools serving 8817 S Thomas Dr #A815
School District:Bay County School District
| Name | Grades | Distance |
|---|---|---|
Breakfast Point Academy 601 N Richard Jackson Boulevard, Panama City Beach, FL 32407 | K-8 | 1.8 mi |
J.R. Arnold High School 550 North Alf Coleman Road, Panama City Beach, FL 32407 | 9-12 | 2.8 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 8817 S Thomas Dr #A815
Date
Details
Price
Change
Source
1/08/2026
Price Reduced
$245,000
-5.77%
MLS
12/09/2025
Price Reduced
$260,000
-7.14%
MLS
11/17/2025
Listed
$280,000
166.67%
MLS
6/03/2017
Sold
$105,000
—
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 8817 S Thomas Dr #A815
Year
Property Taxes
Change
Tax Assessment
Change
2024
$2,455
4%
$216,750
—
2023
$2,367
44%
$216,750
57%
2021
$1,648
-16%
$137,700
-26%
2022
$1,960
19%
$186,023
71%
2021
$1,648
41%
$108,543
21%
2019
$1,169
7%
$89,675
10%
2018
$1,095
21%
$81,600
3%
2017
$905
10%
$79,050
11%
2016
$826
9%
$70,975
16%
2015
$755
9%
$61,200
9%
2014
$693
10%
$56,100
—
2013
$630
—
$56,100
—
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 8817 S Thomas Dr #A815
8817 S Thomas Drive #A815, Panama City Beach, FL 32408 (MLS# 781757) is a Condo property with 0 bedrooms and 1 full bathroom. 8817 S Thomas Drive #A815 is currently listed for $245,000 and was received on November 17, 2025. Want to learn more about 8817 S Thomas Drive #A815? 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.

