Shores Of Panama Homes under $350,000

Welcome to the Shores of Panama, a vibrant and inviting subdivision nestled along the stunning coastline of Bay County, Florida. This charming community offers the perfect blend of coastal living and modern convenience, making it an ideal choice for families, retirees, and anyone looking to embrace the beauty of the Florida Panhandle.

Shores of Panama boasts a variety of homes that cater to diverse lifestyles, with many options available for under $350,000. Whether you're a first-time homebuyer or seeking a cozy getaway, you’ll find well-designed properties that offer comfort without compromising on quality. These homes often feature open floor plans, spacious living areas, and outdoor spaces perfect for enjoying the warm Florida sunshine.

Located just moments away from the pristine beaches, residents of Shores of Panama can indulge in sun-soaked days by the water, exploring the vibrant local culture, or dining at nearby seafood restaurants. The community is also conveniently situated near shopping centers, parks, and recreational activities, ensuring that everything you need is within reach.

In addition to its stunning surroundings and affordable housing options, Shores of Panama fosters a strong sense of community. Neighbors become friends, and families thrive in an environment that encourages togetherness and outdoor activities.

If you're ready to discover your dream home in a picturesque coastal setting, Shores of Panama is the perfect place to start your journey. Experience the charm, beauty, and affordability that this exceptional subdivision has to offer!

Newest Shores Of Panama Homes under $350,000

9900 S Thomas Dr Unit 2126, Panama City Beach

$329,900

1 Beds ⋅ 2 Baths ⋅ 1013174 MLS

SUNSET VIEWS FROM THE BALCONY. SUNRISE VIEWS FROM THE PRIMARY BEDROOM. DEEDED PARKING. Shores of Panama 2126 is a beautifully maintained, professionally managed N floor plan featuring one bedroom, a bunk room, two full bathrooms, and a deeded parking space on the 11th floor. Positioned high above Panama City Beach, the condo offers Gulf views in two directions. From the living room and balcony, enjoy views across the resort's lagoon-style pool toward the Gulf, including southwest-facing sunset views. From the primary bedroom, the perspective shifts southeast along Panama City Beach's coastline, offering Gulf and sunrise views from the opposite side of the residence. Inside, coastal decor and LVP flooring throughout create a bright, cohesive interior. The primary bedroom includes a king-size bed and large flat-screen TV. The living room features a new U-shaped, deep-seated pullout sofa and large flat-screen TV. The kitchen is finished with granite countertops and stainless steel appliances, while a front-loading stackable washer and dryer provides in-unit laundry. The HVAC system was replaced in 2020, and the water heater was replaced in 2021. Documented rental income paid to the owner after management totaled $35,284.13 in 2024 and $30,135.85 in 2025. Completed stays through September 29, 2026, generated $27,818.74 after management and before other ownership expenses. Dolce Vita Getaways has also provided a projected annual rental revenue of $44,100, with an estimated range of $35,500 to $54,400 before management fees and ownership expenses. Past performance and projections are provided for informational purposes only and are not guarantees of future rental income. Shores of Panama Resort features one of the largest Gulf-front lagoon-style pools in Panama City Beach. The zero-entry tropical pool includes palm-lined islands, fountains, a spacious hot tub, and direct access to the resort's beachfront area. Additional amenities include an indoor heated pool and hot tub, a 24-hour fitness center, and a seasonal poolside Tiki bar. Located in the heart of Panama City Beach, Shores of Panama places dining, shopping, attractions, and entertainment nearby. Pineapple Willy's is adjacent to the resort, while Laketown Wharf directly across the street offers a variety of dining, retail, and entertainment options including Wharf Seafood Buffet, The Candymaker Ice Cream Shop, PCB Pizza, In Cahoots, The Press, The Bun Lab, 810 Billiards & Bowling, salon services, and more. Additional Panama City Beach attractions and entertainment venues include Dolly Parton's Pirates Voyage Dinner & Show, Topgolf, McGuire's Irish Pub, and Tootsie's Orchid Lounge. HOA dues are $3,147.62 per quarter. All information, rental income, projections, HOA fees, assessments, measurements, and property details are deemed reliable but not guaranteed; buyer to verify if important.

9900 S Thomas Dr Unit 2126, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

9900 S Thomas Dr Unit 1805, Panama City Beach

$265,000

1 Baths ⋅ 1012347 MLS

SHORES OF PANAMA STUDIO! DEEDED PARKING! FRESHLY UPDATED AND FULLY FURNISHED! This updated studio offers an excellent opportunity to own a furnished condo at one of Panama City Beach's most recognizable Gulf-front resorts. Located on the west side of the building, the balcony receives gentler morning sunlight and remains shaded from the more intense afternoon sun, creating a comfortable place to enjoy the coastal air later in the day. The interior has been refreshed with new paint throughout, including the ceilings, walls, baseboards, and cabinetry, while tile flooring extends throughout the entire unit. The combined living and sleeping space includes a king-size bed with matching side tables, a sofa, rocking chair, and a built-in pedestal-height granite table with swivel bar chairs. Nearly all of the furnishings are new, as are the kitchenware, microwave, and Smart TV. The table lamps include built-in charging ports and electrical outlets, while blackout curtains provide added comfort. The bathroom features a tub-and-shower combination, updated vanity mirror, and new vanity lighting. Other conveniences include a stackable washer and dryer and a wall-mounted air-conditioning unit replaced in 2024. The unit also conveys with a deeded parking space located on the ninth floor. Shores of Panama Resort is known for its expansive Gulf-front lagoon pool, one of the largest in Panama City Beach. The resort-style pool area features zero-entry access, palm-lined islands, fountains, a spacious hot tub, and direct beach access. Additional amenities include an indoor heated pool and hot tub, a 24-hour fitness center, and a seasonal poolside Tiki bar. Located in the heart of Panama City Beach, Shores of Panama places dining, shopping, and entertainment nearby. Pineapple Willy's is adjacent to the resort, while Laketown Wharf, directly across the street, offers additional dining, retail, and entertainment options, including Wharf Seafood Buffet, The Candymaker Ice Cream Shop, PCB Pizza, In Cahoots, The Press, The Bun Lab, 810 Billiards & Bowling, salon services, and more. Other Panama City Beach attractions and entertainment venues include Dolly Parton's Pirates Voyage Dinner & Show, Topgolf, McGuire's Irish Pub, and Tootsie's Orchid Lounge. HOA dues are $1,820.93 per quarter. All information is deemed reliable but not guaranteed; buyer to verify if important.

9900 S Thomas Dr Unit 1805, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

9900 S Thomas Dr Unit UNIT 1010, Panama City Beach

$300,000

2 Beds ⋅ 2 Baths ⋅ 1011516 MLS

SAME-LEVEL LEASED PARKING. BUNK ROOM WITH A DOOR. FRESHLY PAINTED. Shores of Panama 1010 is a fully furnished, 10th-floor Type F floor plan featuring one bedroom, an enclosed bunk room, one full bathroom, and one half bathroom. Tile flooring extends throughout the unit. The bunk room includes a door for separation from the main living area, an uncommon feature within this stack. The kitchen features Ubatuba granite countertops, updated cabinet hardware, and a stackable washer and dryer. The primary bedroom includes a king-size bed, and flat-screen televisions are located in the primary bedroom, bunk room, and living room. The freshly painted interior is furnished for continued rental use. The leased parking space is located shortly after entering the 10th-floor parking level, providing covered, same-level access to the unit without changing floors. The corner balcony overlooks the lagoon-style pool and surrounding resort grounds. Additional equipment details include a 2015 water heater and the original HVAC system. Shores of Panama is a Gulf-Front resort centered around an expansive zero-entry lagoon-style pool with palm-lined islands, fountains, and a large outdoor hot tub. Additional amenities include private beach access, an indoor heated pool and hot tub, a 24-hour fitness center, a seasonal poolside Tiki bar, and covered parking. Located in the heart of Panama City Beach, Shores of Panama is adjacent to Pineapple Willy's and directly across from Laketown Wharf, offering nearby dining, shopping, and entertainment. Additional Panama City Beach attractions include Pirates Voyage Dinner & Show, Topgolf, McGuire's Irish Pub, and Tootsie's Orchid Lounge. HOA dues are currently $3,507.11 per quarter. One special assessment installment remains in the amount of $1,218.04, due in the fourth quarter of 2026. All information is deemed reliable but not guaranteed; buyer to verify if important.

9900 S Thomas Dr Unit UNIT 1010, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

9900 S Thomas Dr Unit 510, Panama City Beach

$295,000

2 Beds ⋅ 2 Baths ⋅ 1011413 MLS

LOW FLOOR. LEASED PARKING SPACE. FRONT DOOR BY THE ELEVATOR. Shores of Panama 510 is a furnished, fifth-floor Type F floor plan in Panama City Beach featuring one bedroom, a bunk area, one full bathroom, and one half bathroom. The balcony offers views over the resort pool and out to the Gulf. The recently painted interior is decorated in a light coastal style and features tile flooring throughout. The kitchen includes granite countertops, stainless steel appliances, and a stackable washer and dryer. Near the entry, the bunk area provides additional sleeping accommodations, with the half bathroom conveniently located nearby. The primary bedroom includes a king-size bed and access to the full bathroom. The unit also has a leased parking space on the 6th floor (658), and the front door is positioned immediately near the elevator. Additional updates include a 2020 HVAC system and a 2019 water heater. Shores of Panama is a Gulf-front resort centered around an expansive zero-entry lagoon-style pool with palm-lined islands, fountains, and a large outdoor hot tub. Additional amenities include private beach access, an indoor heated pool and hot tub, a 24-hour fitness center, a seasonal poolside Tiki bar, and covered parking. Located in the heart of Panama City Beach, Shores of Panama is adjacent to Pineapple Willy's and directly across from Laketown Wharf, offering nearby dining, shopping, and entertainment. Additional Panama City Beach attractions include Pirates Voyage Dinner & Show, Topgolf, McGuire's Irish Pub, and Tootsie's Orchid Lounge. HOA dues are currently $3,507.11 per quarter. One special assessment installment remains in the amount of $1,218.04, due in the fourth quarter of 2026. All information is deemed reliable but not guaranteed; buyer to verify if important.

9900 S Thomas Dr Unit 510, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

9900 S Thomas Dr Unit 1013, Panama City Beach

$345,000

2 Beds ⋅ 2 Baths ⋅ 1001012 MLS

SAME-FLOOR PARKING | CENTER-STACK POSITION | WEST-FACING GULF VIEWS Shores of Panama 1013 stands out for reasons that go beyond the typical beachfront condo checklist. Positioned in the center stack of the building, this Type-C floor plan offers a more balanced placement within the tower along with the convenience of a deeded parking space on the same level. One of the most practical advantages of this location is the covered access from the adjacent parking area, allowing you to move from your vehicle to your front door with added protection from the weather. It is a feature owners and guests appreciate right away, especially on arrival days, grocery runs, and beach weekends. This floor plan includes 2 bedrooms, 2 full bathrooms, in-unit laundry, and a west-facing balcony with views overlooking the lagoon-style pool and the Gulf beyond. From the moment you step inside, you will notice the thoughtful updates and clean presentation that help set this condo apart. Luxury floating LVP flooring runs throughout the unit and pairs nicely with freshly painted walls and tasteful furnishings. The living room and bedroom both include privacy curtains, and the kitchen is equipped with stainless steel appliances. Flat-screen TVs, a front-load washer and dryer, and a fully furnished turn-key setup add to the overall convenience and appeal. Major system updates include the HVAC and water heater, both replaced in 2019. The balcony offers more than 30 feet of outdoor space, creating a comfortable place to take in west-facing views of the resort pool, tropical grounds, and turquoise Gulf waters. It is the kind of perspective that reinforces why the center section of Shores of Panama continues to draw attention from buyers looking for a strong blend of view, layout, and convenience. Shores of Panama Resort features the largest Gulf-front lagoon pool in Panama City Beach. The zero-entry tropical pool includes palm-lined islands, fountains, and a spacious hot tub along the resort's private beachfront access. Additional amenities include an indoor heated pool and hot tub, a 24-hour fitness center, and a seasonal poolside Tiki bar. The resort's central Panama City Beach location places dining, shopping, and entertainment nearby. Pineapple Willy's is adjacent to the property for beachfront dining. Laketown Wharf, directly across the street, offers Juan Taco, Wharf Seafood Buffet, The Candymaker Ice Cream Shop, PCB Pizza, In Cahoots for breakfast and brunch, The Press, The Bun Lab, 810 Billiards & Bowling, a salon and nail bar, and additional retail options. Nearby attractions include Dolly Parton's Pirates Voyage Dinner & Show, Topgolf, and McGuire's Irish Pub. HOA dues are $3,108.96 per quarter. All information is believed to be accurate but should be verified by buyers if important.

9900 S Thomas Dr Unit 1013, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

9900 S Thomas Dr Unit 1817, Panama City Beach

$345,000

2 Beds ⋅ 2 Baths ⋅ 996823 MLS

Shores of Panama Unit 1817 | Type C Floor Plan | Panama City Beach, Florida Shores of Panama Unit 1817 features the highly desirable Type C floor plan with a Gulf-front primary suite offering a private ensuite bath, plus a private bunk room with an adjacent full bathroom. This layout provides two distinct sleeping areas and comfortably accommodates up to six guests. The interior includes luxury vinyl plank flooring throughout, updated light fixtures, stainless steel appliances, a full-size front-load washer and dryer, flat-screen TVs, a dedicated owner's closet, and a Pac-Man arcade machine that adds character for guests. The unit is fully furnished and rental-ready. In 2025, the property produced $33,000 in net income, with already $32k in NET income for 2026 (as MAR/01) offering helpful performance context for buyers evaluating short-term rental potential. The 17-stack is one of the most sought-after Type C positions within Shores of Panama. It is the only stack in this floor plan that faces west, capturing panoramic sunset views over the Gulf of Mexico. Its proximity to the elevators adds convenience without compromising views. All stucco repairs on the 17-stack have been completed. The oversized balcony spans more than 30 feet and is furnished with durable Polywood seating, providing unobstructed views of the lagoon-style pool and the Gulf waters beyond. This unit does not include a deeded parking space; however, overflow parking is available throughout the parking garage. Shores of Panama Resort features the largest Gulf-front lagoon pool in Panama City Beach. This zero-entry tropical pool includes palm-lined islands, fountains, and a spacious hot tub, all set against resort guest exclusive beachfront access. Guests enjoy an indoor heated pool and hot tub, a 24-hour fitness center, and a seasonal poolside Tiki bar. The resort's location places dining, shopping, and entertainment within close proximity. Pineapple Willy's is adjacent to the property for beachfront dining. Laketown Wharf, directly across the street, offers Juan Taco, Wharf Seafood Buffet, The Candymaker Ice Cream Shop, PCB Pizza, In Cahoots for breakfast and brunch, The Press coffee shop, The Bun Lab, 810 Billiards & Bowling, a salon and nail bar, and additional retail options. Nearby recently opened attractions include Dolly Parton's Pirates Voyage Dinner & Show, Topgolf, and McGuire's Irish Pub. Tootsie's Orchid Lounge is scheduled to open in 2026, reinforcing continued commercial investment and growth in Panama City Beach. Covered parking, complimentary Wi-Fi, and on-site security enhance the guest experience, contributing to Shores of Panama's position as a consistently high-demand Gulf-front resort. HOA dues are $3,491.71 per quarter. All information and HOA fees are deemed accurate but should be verified by buyers if important.

9900 S Thomas Dr Unit 1817, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

9900 S Thomas Dr Unit 2213, Panama City Beach

$335,000

2 Beds ⋅ 2 Baths ⋅ 1008533 MLS

HIGH FLOOR. GULF-FRONT PRIMARY SUITE. 30-FOOT BALCONY. Shores of Panama 2213 is a furnished Type C floor plan on the 22nd floor of Shores of Panama Resort in Panama City Beach, Florida, featuring one bedroom, a private bunk room, two full bathrooms, and accommodations for up to six guests. The Gulf-front primary suite includes a king-size bed, Gulf views, a private ensuite bathroom, and a renovated vanity with a granite countertop, updated mirror, and updated lighting. A barn door provides separation and privacy for the bunk room, while the adjacent full bathroom includes a stackable washer and dryer and a dehumidifier. The interior features luxury vinyl plank flooring throughout, coastal-inspired décor, updated light fixtures, flat-screen televisions, granite kitchen countertops, and abundant natural light. The oversized balcony extends more than 30 feet across the unit, providing elevated views of the Gulf, the resort's lagoon-style pool, and the surrounding coastline. The property generated $36,171 in gross rental income during 2025. Gross rental income for 2026 totaled $24,330 through June, excluding July, with the current pace positioned to meet or exceed the prior year despite owner use. Rental figures are provided for reference only and are not a guarantee of future performance. The HVAC system was installed in 2017, and the water heater was installed in 2018. This unit does not include a deeded parking space. Overflow parking is available throughout the resort parking , subject to resort rules and availability. Shores of Panama Resort features a large Gulf-front lagoon-style pool with zero-entry access, palm-lined islands, fountains, and a spacious hot tub. Additional amenities include resort-exclusive beachfront access, an indoor heated pool and hot tub, a 24-hour fitness center, a seasonal poolside Tiki bar, covered parking, complimentary Wi-Fi, and on-site security. Pineapple Willy's is adjacent to the resort, while Laketown Wharf across the street offers dining, retail, and entertainment options. Additional Panama City Beach attractions include Pirates Voyage Dinner & Show, Topgolf, McGuire's Irish Pub, and Tootsie's Orchid Lounge. Quarterly HOA dues are currently $3,491.71. All information, measurements, rental figures, availability, and HOA fees are deemed reliable but not guaranteed; buyer to verify if important.

9900 S Thomas Dr Unit 2213, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

9900 S Thomas Dr Unit 1410, Panama City Beach

$290,000

2 Beds ⋅ 2 Baths ⋅ 1006950 MLS

RARE TYPE F FLOOR PLAN. DEEDED PARKING. FRONT DOOR RIGHT BY THE ELEVATOR. Shores of Panama 1410 is a rare Type F floor plan in Panama City Beach, offering deeded parking, a front-door location right by the elevator, and a furnished setup ready for continued rental use. This one-bedroom plus bunk layout includes a cozy living area with a flat-screen TV, dining area, luxury vinyl plank flooring through the main living spaces, and tile flooring in the kitchen and bathrooms. The kitchen features granite countertops, two refrigerators, and a front-load stackable washer and dryer. Near the entry, a spacious bunk area is positioned along the hallway with a convenient half bathroom nearby. The primary suite includes a king-size bed and a private full bathroom. The balcony is furnished with Polywood high-top table and chairs, creating a comfortable outdoor setup overlooking the resort setting. Additional details include a deeded parking space on the 7th floor, water heater from 2016, and HVAC from 2018. Shores of Panama Resort features one of the largest Gulf-front lagoon-style pools in Panama City Beach. The zero-entry tropical pool includes palm-lined islands, fountains, and a spacious hot tub along the resort's private beachfront access. Additional amenities include an indoor heated pool and hot tub, a 24-hour fitness center, and a seasonal poolside Tiki bar. Located in the heart of Panama City Beach, Shores of Panama places dining, shopping, and entertainment nearby. Pineapple Willy's is adjacent to the resort, while Laketown Wharf directly across the street offers dining, retail, and entertainment options including Wharf Seafood Buffet, The Candymaker Ice Cream Shop, PCB Pizza, In Cahoots, The Press, The Bun Lab, 810 Billiards & Bowling, salon services, and more. Panama City Beach has also welcomed newer attractions and entertainment venues including Dolly Parton's Pirates Voyage Dinner & Show, Topgolf, McGuire's Irish Pub, and Tootsie's Orchid Lounge. The same owner is also selling unit 1408 (MLS 792192), positioned nearby on the same floor. For guests traveling together, the close front-door proximity creates a convenient two-unit setup with the same elevator access, separate private spaces, and more time together without being spread across the resort. HOA dues are $3,507.11 per quarter. One special assessment payment remains in the amount of $1,218.04 (4th quarter of 2026) Approximate Gross rental income was $25,000 in 2024, $20,000 in 2025 when the balcony was closed for repairs, and $22,400 year-to-date through the end of June 2026. All information, rental income, HOA fees, assessments, measurements, and property details are deemed reliable but not guaranteed; buyer to verify if important.

9900 S Thomas Dr Unit 1410, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

9900 S Thomas Dr Unit 1408, Panama City Beach

$325,000

1 Beds ⋅ 2 Baths ⋅ 1006901 MLS

TROPICAL STYLE INSIDE. LAGOON POOL AND GULF VIEWS OUTSIDE. RIGHT BY THE ELEVATORS. Shores of Panama 1408 is an A floor plan in Panama City Beach, offering a one-bedroom plus bunk layout, two full bathrooms, deeded parking, and a convenient 8-stack location just off the bank of elevators. This turnkey, fully furnished condo features coastal décor and furnishings, updated light fixtures, and luxury vinyl plank flooring throughout. The living area is designed for easy use as a short-term rental or personal beach retreat, with open flow into the dining area and kitchen. The kitchen features granite countertops, white appliances, and a white subway tile backsplash. The primary bedroom includes a king-size bed and private bathroom with a tub/shower combo. Near the entry, the bunk area has access to its own full bathroom, giving the floor plan added functionality beyond a standard one-bedroom layout. The balcony offers a strong resort-view setting with lagoon pool views and Gulf views from the 8th floor. Additional details include a deeded parking space on the 7th floor, water heater from 2016, and HVAC from 2006. Shores of Panama Resort features one of the largest Gulf-front lagoon-style pools in Panama City Beach. The zero-entry tropical pool includes palm-lined islands, fountains, and a spacious hot tub along the resort's private beachfront access. Additional amenities include an indoor heated pool and hot tub, a 24-hour fitness center, and a seasonal poolside Tiki bar. Located in the heart of Panama City Beach, Shores of Panama places dining, shopping, and entertainment nearby. Pineapple Willy's is adjacent to the resort, while Laketown Wharf directly across the street offers dining, retail, and entertainment options including Wharf Seafood Buffet, The Candymaker Ice Cream Shop, PCB Pizza, In Cahoots, The Press, The Bun Lab, 810 Billiards & Bowling, salon services, and more. Panama City Beach has also welcomed newer attractions and entertainment venues including Dolly Parton's Pirates Voyage Dinner & Show, Topgolf, McGuire's Irish Pub, and Tootsie's Orchid Lounge. The same owner is also listing Shores of Panama 1410, positioned nearby on the same floor. For guests traveling together, the close front-door proximity creates a convenient two-unit setup with the same elevator access, separate private spaces, and more time together without being spread across the resort. HOA dues are $3,326.18 per quarter. One special assessment payment remains in the amount of $1,155.20 (4th quarter of 2026) Approximate Gross rental income was $23,000 in 2024, $28,000 in 2025, and $28,750 year-to-date through the end of June 2026. All information, rental income, HOA fees, assessments, measurements, and property details are deemed reliable but not guaranteed; buyer to verify if important.

9900 S Thomas Dr Unit 1408, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

9900 S Thomas Dr Unit 1917, Panama City Beach

$345,000

2 Beds ⋅ 2 Baths ⋅ 1006897 MLS

SUNSET VIEWS. GULF-SIDE PRIMARY BEDROOM. DEDICATED PARKING. Shores of Panama 1917 is a C floor plan in Panama City Beach, offering a high-floor position, a large balcony, dedicated parking, and a Gulf-side primary bedroom with a large window framing Gulf views. This one-bedroom plus bunk layout includes two full bathrooms, modern furniture, coastal décor, updated light fixtures, and LVP tile flooring throughout the entire unit. The kitchen features granite countertops, white appliances, a white subway tile backsplash, and a kitchen island wrapped in shiplap. The living area opens to the large balcony, creating an easy indoor-outdoor connection with sunset views and a strong resort-view setting. The hall bunk room includes access to its own private full bathroom, giving the floor plan added functionality beyond a standard one-bedroom layout. The primary bedroom is positioned on the Gulf side and includes a large window with Gulf views. The primary bathroom features a tiled tub/shower combination. Additional interior details include a full-size front-load stackable washer and dryer, whole-unit dehumidifier, water heater from 2017, and original HVAC. Shores of Panama Resort features one of the largest Gulf-front lagoon-style pools in Panama City Beach. The zero-entry tropical pool includes palm-lined islands, fountains, and a spacious hot tub along the resort's private beachfront access. Additional amenities include an indoor heated pool and hot tub, a 24-hour fitness center, and a seasonal poolside Tiki bar. Located in the heart of Panama City Beach, Shores of Panama places dining, shopping, and entertainment nearby. Pineapple Willy's is adjacent to the resort, while Laketown Wharf directly across the street offers dining, retail, and entertainment options including Wharf Seafood Buffet, The Candymaker Ice Cream Shop, PCB Pizza, In Cahoots, The Press, The Bun Lab, 810 Billiards & Bowling, salon services, and more. Panama City Beach has also welcomed newer attractions and entertainment venues including Dolly Parton's Pirates Voyage Dinner & Show, Topgolf, McGuire's Irish Pub, and Tootsie's Orchid Lounge. HOA dues are $3,491.71 per quarter. One special assessment payment remains in the amount of $1,212.69. (4th quarter of 2026). Approximate Gross rental income was $24,000 in 2024, $28,000 in 2025, and $26,500 year-to-date through the end of June 2026. All information, rental income, HOA fees, assessments, measurements, and property details are deemed reliable but not guaranteed; buyer to verify if important.

9900 S Thomas Dr Unit 1917, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

9900 S Thomas Drive Unit 115, Panama City

$349,000

1 Beds ⋅ 2 Baths ⋅ 794013 MLS

THE ONLY GROUND FLOOR ''C'' Floor Plan on Market. Own a ground floor level condo at The Shores of Panama and walk right from your balcony out to the pool with this highly sought-after ''C'' stack condo--1BD 2BA + Bunk. The condo conveys fully furnished and rental-ready, making it an effortless investment opportunity or turnkey beach retreat. This unit also includes one deeded parking space. Shores of Panama is home to the largest Gulf-front lagoon pool in Panama City Beach, with its spectacular 14,000+ sq ft zero-entry lagoon pool with palm-lined islands, fountains, and expansive hot tub. tropical palm islands, fountains, and an oversized hot tub--all just steps from exclusive beachfront access. Owners and guests also enjoy: Indoor heated pool and hot tub, 24-hour fitness center, Seasonal poolside Tiki bar, Covered parking, and On-site security. The location is unbeatable--walk next door to Pineapple Willy's for beachfront dining or cross the street to Laketown Wharf for multiple dining options including The Wharf Buffet, Juan Taco, and LuLu's Bar & Restaurant. Shopping, entertainment, and attractions are all within easy reach. If you're looking for a well-positioned condo with proven rental appeal and unbeatable amenities--this is a standout opportunity. With exterior renovations scheduled to enhance curb appeal and long-term value, this is a strategic opportunity to secure this wonderful gulf front condo, ideal as a personal retreat, income powerhouse, or both. All information and HOA details are believed accurate but should be verified by buyers if important.

9900 S Thomas Drive Unit 115, Panama City

Listing courtesy of Christies International Real Estate Emerald Coast.

9900 S Thomas Dr Unit 1412, Panama City Beach

$319,000

2 Beds ⋅ 2 Baths ⋅ 1005412 MLS

CENTERED VIEWS. DEEDED PARKING. GULF-FRONT PRIMARY SUITE. Shores of Panama Unit 1412 features the highly sought-after Type C floor plan with two bedrooms, two bathrooms, and a layout that includes a Gulf-front primary suite plus a private bunk room serving as the second bedroom. Centrally located both vertically and within the resort's signature horseshoe design, Unit 1412 brings the pool, beach, and Gulf together in one impressive view corridor. The spacious living room opens to a large balcony where you can enjoy wide views of the Gulf of Mexico, sugar-white sand, and the resort's lagoon-style pool. The Gulf-front primary suite offers direct water views and a private ensuite bathroom. The private bunk room is located near the adjacent full bathroom, creating a practical layout for owners and rental use. With a pull-out sofa in the living room, the condo comfortably accommodates up to six guests. The kitchen has been updated with white shaker cabinetry, Ubatuba granite countertops, and stainless steel appliances. Additional interior details include crown molding in the living room, an open main living area, and a layout designed to keep the view front and center. A deeded parking space on the 10th floor adds valuable convenience, especially in a resort where parking access can make a meaningful difference. Shores of Panama Resort is known for its expansive Gulf-front lagoon pool, one of the largest in Panama City Beach. The resort-style pool area features zero-entry access, palm-lined islands, fountains, a spacious hot tub, and direct private beachfront access. Additional amenities include an indoor heated pool and hot tub, 24-hour fitness center, and seasonal poolside Tiki bar. Located in the heart of Panama City Beach, Shores of Panama places dining, shopping, and entertainment nearby. Pineapple Willy's is adjacent to the resort, and Laketown Wharf directly across the street offers several dining, retail, and entertainment options, including Wharf Seafood Buffet, The Candymaker Ice Cream Shop, PCB Pizza, In Cahoots, The Press, The Bun Lab, 810 Billiards & Bowling, salon services, and more. Panama City Beach has also welcomed several newer attractions and entertainment venues, including Dolly Parton's Pirates Voyage Dinner & Show, Topgolf, McGuire's Irish Pub, and Tootsie's Orchid Lounge. HOA dues are $3,491.71 per quarter. All information is believed to be accurate but should be verified by buyers if important.

9900 S Thomas Dr Unit 1412, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

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