9900 S Thomas Dr #2103, Panama City Beach, FL 32408
$540,000
- 2
- beds
- 2 full · 1 half
- baths
- 1,131
- sqft
- 2007
- year built
$540,000
9900 S Thomas Dr #2103, Panama City Beach, FL 32408
- 2
- beds
- 2 full · 1 half
- baths
- 1,131
- sqft
- 2007
- year built
- Status:
- Active
- MLS #:
- 797521
- Neighborhood:
- Shores Of Panama
- County:
- Bay
- Listed By:
- Elaine G Fenster - Coastal Palms Real Estate
- Agent Phone:
- (850) 704-2051
- Agent Email:
- elainefenster@yahoo.com
Sponsoring Broker: Jennifer Ledesma, Berkshire Hathaway HomeServices Beach Properties of Florida
Are you looking for a condo that is a powerful short term rental investment? Then look no further! In 2026, this unit brought in $56,230 in total revenue earnings (as of November) and continues to book for the rest of the year. The average nightly rental rate is $249. Please see the document section for details. This beautiful unit has proven time and time again to be one of the more sought after units on the market because it is a Gulf front RARE 'END UNIT'. The wrap around 90-degree balcony provides a breathtaking view of the white sugary sands and of the blue-green Gulf waters. As well as a view of the resort-style lagoon pool. Unit 2103 is perfectly designed as a 2 bedroom with Bunkie's (room)/ 2.5 bath turn-key condo that is fully furnished, and fully stocked and is ready to go for its next owner. Views of the Gulf are seen from both the living room and from the master bedroom. Relax on the wrap around balcony and watch both the Florida sunrises and the Florida sunsets as you enjoy your morning coffee and your evening glass of wine. Both owners and guests will love this unit. Shores of Panama Resort Condominiums are world-renowned for their massive resort-style lagoon pool that is complete with a hot tub and Tiki bars. The other amenities include an indoor heated pool, a spa, a fitness center, a sauna, a steam room, and in-resort shopping. There is also a banquet hall located on site for 'winter time' entertainment and for guest activities that the staff puts on year round for fun and enjoyment! Security is also located on site. Shores of Panama is located right next to Pineapple Willys, which is a renowned fabulous beach front restaurant. This unit is managed by a STR company so it is fully operated and easily able to switch over. Come see this picturesque condominium unit and visit the grounds of Shores of Panama and you will fall in love with this complex. Enjoy all it has to offer!
Highlights
- Residential
- Condominium
- Built in 2007
- $4,354/qtr HOA
- Waterfront
- 1 Car Garage
- 6 days on Market
-
- Bedrooms
- 2
-
- Bathrooms
- 2 full · 1 half
-
- Year Built
- 2007
-
- Stories
- 23.0
-
- Architectural Style
- High Rise
-
- Garage Spaces
- 1.0
-
- Parking Features
- Paved, Electric Gate, Gated
-
- Appliances
- Electric Range, Electric Water Heater, Electric Oven, Electric Cooktop, Washer/Dryer Stacked
-
- Exterior Features
- Balcony
-
- Pool Features
- In Ground, Indoor, Community, Other
-
- Security Features
- Smoke Detector(s), Security Lights, Fire Sprinkler System, Secured Garage/Parking, Closed Circuit Camera(s), Security Guard, Security Gate, Gated with Guard, Building Security, Security Service, 24 Hour Security
-
- Cooling
- Ceiling Fan(s), Central Air
-
- Heating
- Electric, Central
-
- Lot Features
- Waterfront, Paved
-
- Water Front
- Yes
-
- View
- Water
-
- Utilities
- Electricity Available, Cable Connected
-
- Area
- 03 - Bay County - Beach
-
- County
- Bay
-
- City
- Panama City Beach
-
- Neighborhood
- Shores Of Panama
-
- Zip Code
- 32408
-
- High School
- Arnold
-
- Middle School
- Breakfast Point
-
- Elementary School
- Breakfast Point
-
Ask a Question
ez Mortgage Calculator
Enter your details below to estimate your monthly mortgage payment with taxes, fees and insurance.
$
Please enter a valid number
Cost of the current home: $540000
$
%
Please enter a valid number
Cash you pay when you close
Affects interest rates. 30- or 15- year loans are standard.
%
Default rate is illustrative, set internally by ez Home Search and updated periodically; actual rates vary by lender, credit score, and market conditions.
$
%
Please enter a valid number
$
Please enter a valid number
Typically 0.25% of home value per year.
$
Please enter a valid number
Homeowners association dues.
$ 0
Monthly
Principal and interest:
Property Taxes:
Homeowners Insurance:
HOA Dues:
$0 (0%)
$0 (0%)
$0 (0%)
$0 (0%)
The ez Mortgage Calculator is for educational purposes only. Real-world interest rates and payments can differ due to factors like market trends, location, and loan specifics. Calculations are based on your inputs and might not consider extra costs a lender may add, such as insurance, taxes, and fees; thus, actual repayments could surpass estimates. Please note, ez Home Search does not provide loans, and this tool does not promise lending.
Estimated Value
$558,752
Estimated Sales Price Range:
$530,814 - $586,689
Source: Constellation Data Labs
Price History
| 11/06/2026 | Listed | $540,000 |
| Source: Central Panhandle Association of REALTORS #797521 | ||
| 01/26/2026 | Off Market | — |
| Source: Central Panhandle Association of REALTORS #784191 | ||
| 02/03/2023 | Sold | $555,000 |
| Source: Central Panhandle Association of REALTORS #724276 | ||
| 03/28/2022 | Listed | $590,000 |
| Source: Central Panhandle Association of REALTORS #724276 | ||
Source: MLS Data
Deed History
| 02/07/2023 | Warranty Deed | $555,000 |
Source: Public records via Constellation Data Labs
Mortgage History
| 02/07/2023 | Seller Carryback / Seller Financing / Seller take-back | $407,394 |
| 11/18/2019 | Open End with Future Advance Clause / Open End Mortgage | $195,500 |
| 05/24/2012 | Coventional | $268,000 |
| 07/17/2008 | Credit Line (Revolving) / HELOC | $32,500 |
Source: Public records via Constellation Data Labs
What's your home worth?
Calculate your current home value within seconds.
Similar Listings
Look Throughout Panama City Beach
There are currently 1210 properties available in Panama City Beach, with 1 under contract to close soon. Properties in the city have an average sale price of $529,301 and typically spend 122 days on the market before being sold.
Want to compare this property to others available for sale in the area? Use our search to find exactly what you want among our 2,000,000+ listings and to see incredible photos to show you what is possible.
With 12 zip codes in Bay County, you have many options in the area. Be sure to claim your free ez Home Search account to make sure you get alerts when a property that meets your needs becomes available.
Source: ez Home Search, MLS Data
Frequently Asked Questions
How do I schedule a tour of 9900 S Thomas Dr #2103?
We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 9900 S Thomas Dr #2103.
They know residentials in the area well and can give you the guidance you need to buy with confidence.
How do I get more information about 9900 S Thomas Dr #2103?
Click Ask a Question to talk with our team. You already know it is a 2 bed, 2 bath, listed for $540,000. We can talk through recent upgrades, potential seller motivation, how this condominium compares to others in Panama City Beach, and can even get you in to see the property quickly.
How much is the monthly mortgage payment for 9900 S Thomas Dr #2103?
With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 9900 S Thomas Dr #2103 at around $3,571. This includes estimated property taxes and insurance.
Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.
How do I get pre-approved to buy 9900 S Thomas Dr #2103?
Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.
Or, let us connect you with our preferred local lender in Bay County. They will give you all of your available financing options, based on your specific situation and what is available to you.
Can I negotiate the asking price for 9900 S Thomas Dr #2103?
In most cases, yes. Whether 9900 S Thomas Dr #2103 is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Panama City Beach's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.
How do I make an offer on 9900 S Thomas Dr #2103?
We can handle that for you. Our preferred local agent specializes in residentials in Panama City Beach and can guide you through every step of the offer process.
You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.
What is the price per square foot for this home?
This home is listed at $540,000 with 1,131 sqft of space—that comes out to approximately $477 per square foot.
How long has this property been on the market?
9900 S Thomas Dr #2103 was listed on November 06, 2026, which means it's been on the market for 6 days.
Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.
When was this house built?
This home was built in 2007, making it approximately 19 years old.
What schools are assigned to this property?
Based on MLS info, this home is zoned for:
- Elementary: Breakfast Point
- Middle: Breakfast Point
- High: Arnold
Want to see how these schools compare? Check out our Bay County School Guide to see ratings, reviews, and more for the schools in the area.
What are the property taxes for 9900 S Thomas Dr #2103?
The most recent public record shows annual property taxes for 9900 S Thomas Dr #2103 were approximately $5,978. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.
Is there an HOA fee for this property, and what does it cover?
This home has an HOA fee of $4,354 paid quarterly.
This covers access to community features including: Picnic Area, Trash, Pool, Gated, Sauna, Beach Rights, Spa/Hot Tub, Barbecue, Maintenance Grounds, Security.
Is 9900 S Thomas Dr #2103 still available for sale?
Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.
Source: ez Home Search, MLS Data
Popular Home Searches in Panama City Beach, FL
Open Houses Near Panama City Beach, FL
Land for Sale Near Panama City Beach, FL
Townhomes for Sale Near Panama City Beach, FL
Waterfront Homes for Sale Near Panama City Beach, FL
Waterfront Condos for Sale Near Panama City Beach, FL
Homes with Pools for Sale Near Panama City Beach, FL
Gated Community Homes for Sale Near Panama City Beach, FL
Homes with No Hoa for Sale Near Panama City Beach, FL
Homes in Adult Communities for Sale Near Panama City Beach, FL
Search Nearby Cities
Search Nearby Postal Codes
Listing information provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed by the MLS. Copyright 2026, Central Panhandle Association of REALTORS. All rights reserved.
Last Updated: November 12, 2026 at 12:57AM | Source: Central Panhandle Association of REALTORS | MLS#: 797521
