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$680,000 Just Listed

  • For Sale
  • Active
  • Condo
  • 3 Beds
  • 3 Full Baths
  • Updated 1 day ago
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Stop Waiting on the Bank. Start Owning the Beach. Your Name on the Deed. Your Terms!!! Unit 2131 is now available with OWNER FINANCING. Here's the opportunity: 25% Down 6.75% Interest 5-Year Balloon No Debt on your credit No credit check No hassle to verified income As an investor, there are things that are important to you; cashflow, something to enjoy with family and also pays for itself. This creates the opportunity where all those things exists. Especially in today's economic climate, where interest rates and lending conditions can be influenced by factors beyond your control, this is the perfect way to take control of how you invest comfortably. This end unit speaks for itself, perfectly positioned with a highly sought-after wraparound balcony with breathtaking panoramic views, offering an elevated beachfront experience that truly sets it apart. Whether you're looking for a vacation getaway, second home, or investment opportunity, this property offers a combination that's hard to find: prime location, incredible views, and flexible owner financing!! The unit also comes with 2 deeded parking spaces sold separately.

Full Property Details for 9900 S Thomas Dr #2131

General

  • Price: $680,000
  • HOA FEE: $1,569/month
  • HOA FEE FREQ.: Quarterly
  • Taxes: $6,248 (2025)
  • Status: Active
  • Type: Condo
  • Source: Bay_County
  • MLS ID: 794608
  • Updated: 8/26/2026
  • Added to Site: 1 day(s) ago

Interior

  • Number of Rooms: 3
  • Interior Features: Balcony, Main Level Primary, Tub Shower
  • Appliances: Washer/Dryer Stacked, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker

Rooms

Bathrooms

  • Total Bathrooms: 3
  • Full Bathrooms: 3

Bedrooms

  • Total Bedrooms: 3

Other Rooms

  • Laundry: Stacked

Additional Information

  • Shared Amenities: Beach Rights
  • Pool: Yes
  • Pool Description: Fenced, Electric Heat, Community
  • Security/Safety: Fire Sprinkler System, Security Gate, 24 Hour Security, Key Card Entry, Security Guard, Smoke Detector(s)

Parking

  • Garage: Yes
  • Garage Spaces: 2

Location

  • County: Bay
  • Subdivision: Shores Of Panama Phase I
  • Driving Directions: rom the Hathaway bridge head west on us-98, Use the right 3 lanes to turn slightly right to stay on US-98 w, turn slightly left onto FL-30 W/Front Beach Rd, turn left onto Thomas Dr, Turn right onto S Thomas Dr, 9900 S Thomas 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: Association Management, Cable TV, Electricity, Internet, Other, Pool(s), See Remarks, Security, Trash, Water

Heating & Cooling

  • Air Conditioning: Yes
  • Cooling Type: Ceiling Fan(s)

Structural Information

  • Architectural Style: High Rise
  • Sq. Ft. Source: Appraiser
  • Year Built: 2007

Lot Features

  • Property View: Water
  • Lot Dimensions: 0*0

Water Features

  • Water Front: Yes
  • Water View: Yes
  • Water Front Desc.: See Remarks
  • Water Front View: See Remarks

Financial Considerations

  • Association Fee: $4,708
  • Assoc Fee Freq.: Quarterly
  • Tax Amount: $6,248.86
  • Tax Year: 2025

Disclosures and Reports

  • Legal Description: SHORES OF PANAMA II UNIT 2131 TYPE U ORB 2835 P 434 3BR 3BA . 1400 TOTAL SF ORB 4606 P 2043 PK SP 735 & 736
  • Property ID: 40000-675-272

Listed by Salty Marlin Realty LLC

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Listing agent

— 9900 S Thomas Dr #2131 —

  • Salty Marlin Realty LLC

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 9900 S Thomas Dr #2131

School District:Bay County School District
NameGradesDistance
Breakfast Point Academy
601 N Richard Jackson Boulevard, Panama City Beach, FL 32407
K-81 mi
J.R. Arnold High School
550 North Alf Coleman Road, Panama City Beach, FL 32407
9-122.2 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 9900 S Thomas Dr #2131 Get Price Alerts and Save Property

Date
Details
Price
Change
Source
8/26/2026
Listed
$680,000
3.03%
MLS
12/30/2025
Sold
$660,000
—
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 9900 S Thomas Dr #2131

Year
Property Taxes
Change
Tax Assessment
Change
2025
$5,192
-18%
$516,375
-16%
2024
$6,306
1%
$615,154
—
2023
$6,222
67%
$615,154
106%
2021
$3,732
-21%
$298,350
-37%
2022
$4,731
27%
$473,195
59%
2021
$3,732
9%
$297,900
5%
2019
$3,409
5%
$283,713
8%
2018
$3,233
2%
$261,800
-7%
2017
$3,181
-2%
$280,033
—
2016
$3,240
-8%
$280,033
-5%
2015
$3,506
7%
$294,000
6%
2014
$3,291
20%
$276,250
8%
2013
$2,753
—
$254,915
—
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 9900 S Thomas Dr #2131

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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 Salty Marlin Realty LLC

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9900 S Thomas Drive #2131, Panama City Beach, FL 32408 (MLS# 794608) is a Condo property with 3 bedrooms and 3 full bathrooms. 9900 S Thomas Drive #2131 is currently listed for $680,000 and was received on August 26, 2026. Want to learn more about 9900 S Thomas Drive #2131? 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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