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Property Description
Gulf-Front Living at Its Finest - On the Beach! Experience coastal paradise from this rarely available gulf-front, low-rise condominium located on the 2nd floor (top floor), just steps from the sugar-white sands and surf of the Gulf of Mexico. Wake up to the soothing sound of waves and water views from your private balcony - the perfect place for morning coffee or evening sunsets. Inside, enjoy an open, light-filled layout with thoughtful updates throughout. The kitchen and living areas flow seamlessly, ideal for both relaxed living and entertaining guests. Amazing wood-like tile through the entire home. The kitchen boasts beautiful cabinetry, a copper apron sink, and stunning quartz countertops. Also matching copper backsplash and a high-end Whirlpool appliance package. A spacious en-suite with walk-in-closet. Currently a permanent residence and pride of ownership shows throughout. Being on the second story offers elevated views while still providing easy access. The current owners have the living space set up as the master bedroom to wake up to the view! This well-maintained condo is part of a low-density community that enhances privacy and charm while placing you in close proximity to local dining, shopping, and entertainment options. It may have the lowest association fees that you will find anywhere. Hvac and water heater are less than 4 years old. Whether you're seeking a permanent residence, vacation escape, or investment property, this Gulf-front gem delivers unparalleled beach lifestyle living. Don't miss your chance to own a piece of coastal bliss!
Full Property Details
Full Property Details for 8517 Surf Dr #203
General
- Price: $499,000
- Taxes: $2,283 (2025)
- Status: Active
- Type: Condo
- Source: Bay_County
- MLS ID: 784524
- Updated: 2/2/2026
- Added to Site: 2 day(s) ago
Interior
- Number of Rooms: 1
- Appliances: Electric Oven, Electric Water Heater
Rooms
Bathrooms
- Total Bathrooms: 1
- Full Bathrooms: 1
Bedrooms
- Total Bedrooms: 1
Exterior
- Porch/Patio/Deck: Balcony
Location
- County: Bay
- Subdivision: [No Recorded Subdiv]
- Driving Directions: South on Thomas Drive to left on Bonita Street, right on Surf Drive, Condos immediately on your left - Beach Side
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
Utilities
- Sewer: Public Sewer
Structural Information
- Architectural Style: Low Rise
- Sq. Ft. Source: Appraiser
- Year Built: 1990
Lot Features
- Property View: Gulf
- Lot Dimensions: 0 x 0
- Frontage: City Street, Private Road
- Zoning: Resid Multi-Family
Water Features
- Water Front: Yes
- Water View: Yes
Financial Considerations
- Tax Amount: $2,283
- Tax Year: 2025
Disclosures and Reports
- Legal Description: PANAMA CITY BEACH SURF CLUB UNIT 203 ORB 1278 P 1617 2BR 1B 1004 H&C ORB 3659 P 921 (1BR) 1B SAME SQ FT - CHG FR . 2BR
- Property ID: 30470-070-000
Listed by Northwest Florida Realty, LLC
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Schools
Schools serving 8517 Surf Dr #203
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 8517 Surf Dr #203
Date
Details
Price
Change
Source
2/02/2026
Listed
$499,000
132.09%
MLS
11/19/2014
Sold
$215,000
—
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 8517 Surf Dr #203
Year
Property Taxes
Change
Tax Assessment
Change
2025
$2,243
2%
$226,991
3%
2024
$2,208
2%
$220,594
-23%
2023
$2,167
8%
$286,140
29%
2022
$2,004
—
$222,300
10%
2021
$2,008
-3%
$201,875
—
2019
$2,060
-2%
$201,875
—
2018
$2,094
-1%
$201,875
—
2017
$2,113
-3%
$201,875
11%
2016
$2,177
18%
$181,724
32%
2015
$1,851
39%
$137,200
40%
2014
$1,332
12%
$98,000
—
2013
$1,184
—
$98,000
—
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 8517 Surf Dr #203
8517 Surf Drive #203, Panama City, FL 32408 (MLS# 784524) is a Condo property with 1 bedroom and 1 full bathroom. 8517 Surf Drive #203 is currently listed for $499,000 and was received on February 02, 2026. Want to learn more about 8517 Surf Drive #203? Do you have questions about finding other Condo real estate for sale in Panama City? You can browse all Panama City real estate or contact a Coldwell Banker agent to request more information.

