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$449,000 Just Listed

  • For Sale
  • Active
  • Condo
  • 2 Beds
  • 2 Full Baths
  • Updated 2 days ago
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Gulf Front Unit situated on the 3rd floor. Unit #307 has been completely remodeled and updated. Unit features approximately 1,000+-SF with two bedrooms, two baths, large living room, kitchen (newly renovated), and stacked washer and dryer. Sit on your private balcony and enjoy the views to the Gulf of Mexico over the sandy beach and pristine sand dunes. Complex is well maintained and well managed.. Great primary home, second home or beach vacation rental. Whispering seas is a low density walk up complex with only three floors; 30 units and approximately 190 feet along the Gulf of Mexico. Pool is located gulf side with grilling stations, gazebo and picnic areas. Both the milestone report and structural integrity reserve study have been completed with no pending special assessments. Don't let this fully furnished and fully renovated unit pass.

Full Property Details for 8610 Surf Dr #307

General

  • Price: $449,000
  • Taxes: $3,320 (2025)
  • Status: Active
  • Type: Condo
  • Source: Bay_County
  • MLS ID: 784487
  • Updated: 2/1/2026
  • Added to Site: 3 day(s) ago

Interior

  • Number of Rooms: 3
  • Appliances: Washer/Dryer Stacked, Electric Range, Electric Water Heater
  • Flooring: Luxury Vinyl Plank

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2

Bedrooms

  • Total Bedrooms: 2

Other Rooms

  • Laundry: Stacked

Additional Information

  • Shared Amenities: Beach Rights, Barbecue, Picnic Area
  • Pool: Yes
  • Private Pool: Yes
  • Pool Description: Gunite, In Ground, Community, Private
  • Security/Safety: Fire Alarm, Smoke Detector(s)

Exterior

  • Porch/Patio/Deck: Balcony

Parking

  • Parking Features: Paved, Parking Lot

Location

  • County: Bay
  • Subdivision: Whispering Seas
  • Driving Directions: West on Thomas Drive and left on Surf Drive. (Joan Avenue turns into Surf Drive.) Whispering Seas will be on your right it is a three story building.

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, Ceiling Fan(s)
  • Heating Type: Central, Electric

Utilities

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

Structural Information

  • Architectural Style: Low Rise
  • Construction: Wood Frame
  • Stories/Levels: 3
  • Sq. Ft. Source: Appraiser
  • Year Built: 1987
  • Other Struct. Feat.: Dumpster

Additional Structures

  • Other Structures: Gazebo

Lot Features

  • Property View: Gulf, Other
  • Lot Dimensions: 0 x 0
  • Lot Features: Paved
  • Zoning: Resort

Water Features

  • Water Front: Yes
  • Water View: Yes
  • Water Front Desc.: Shoreline - Sand, Shoreline - Natural
  • Water Front View: Shoreline - Sand, Shoreline - Natural

Financial Considerations

  • Tax Amount: $3,320
  • Tax Year: 2025

Disclosures and Reports

  • Special Conditions: Listed As-Is
  • Legal Description: WHISPERING SEAS UNIT 307 ORB 1185 P 1755 ORB 2296 1BR 1B 1000 H&C P 1025
  • Property ID: 30464-081-060

Listed by Coastal Real Estate Group, Inc

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Listing agent

— 8610 Surf Dr #307 —

  • Coastal Real Estate Group, Inc

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 8610 Surf Dr #307

School District:Bay County School District
NameGradesDistance
Breakfast Point Academy
601 N Richard Jackson Boulevard, Panama City Beach, FL 32407
K-82.3 mi
J.R. Arnold High School
550 North Alf Coleman Road, Panama City Beach, FL 32407
9-123.3 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 8610 Surf Dr #307 Get Price Alerts and Save Property

Date
Details
Price
Change
Source
2/01/2026
Listed
$449,000
108.84%
MLS
6/23/2003
Sold
$215,000
—
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 8610 Surf Dr #307

Year
Property Taxes
Change
Tax Assessment
Change
2025
$3,280
-4%
$307,747
-14%
2024
$3,429
2%
$357,000
—
2023
$3,363
29%
$357,000
32%
2021
$2,606
-8%
$269,875
-13%
2022
$2,823
8%
$310,760
38%
2021
$2,606
13%
$225,250
70%
2019
$2,302
18%
$132,868
10%
2018
$1,957
12%
$120,789
-25%
2017
$1,746
23%
$160,650
41%
2016
$1,414
1%
$114,155
26%
2015
$1,399
16%
$90,750
10%
2014
$1,211
32%
$82,500
10%
2013
$916
—
$75,000
—
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.

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

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NMLS#: 1598647

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Listed by Coastal Real Estate Group, Inc

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8610 Surf Drive #307, Panama City, FL 32408 (MLS# 784487) is a Condo property with 2 bedrooms and 2 full bathrooms. 8610 Surf Drive #307 is currently listed for $449,000 and was received on February 01, 2026. Want to learn more about 8610 Surf Drive #307? 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.

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