The Summit Homes with Gulf Waterfront Features

Welcome to The Summit, a breathtaking subdivision nestled in the heart of Bay County, Florida. This coastal gem offers an unparalleled living experience, where the serene beauty of the Gulf of Mexico meets the vibrant lifestyle of beachside living.

The Summit is renowned for its stunning homes that boast Gulf waterfront features, allowing residents to enjoy mesmerizing views and the soothing sounds of waves lapping at the shore. Imagine waking up each morning to the sun rising over the sparkling waters, or unwinding in the evenings with a glass of wine while watching the sunset paint the sky in vibrant hues. The homes here are designed to maximize the coastal experience, with expansive patios, open floor plans, and large windows that invite the natural beauty of the outdoors inside.

In addition to the stunning waterfront properties, The Summit offers a tight-knit community atmosphere where neighbors become friends. Residents can enjoy an array of amenities, including private beach access, lush green spaces, and walking trails that wind through the picturesque landscape. The proximity to local attractions, shopping, and dining options ensures that everything you need is just a short drive away.

Whether you are seeking a peaceful retreat or an active lifestyle filled with water sports and outdoor adventures, The Summit in Bay County, FL, is the perfect place to call home. Experience the ultimate in coastal living and discover why this enchanting subdivision is the ideal choice for your next chapter. Come and explore the magic of The Summit – where your dream home awaits!

Newest The Summit Homes with Gulf Waterfront Features

$319,000

1 Beds ⋅ 2 Baths ⋅ 793331 MLS

LOW FLOOR. CENTER-BUILDING POOL AND GULF VIEWS. The Summit 418 is a one-bedroom, one-and-a-half-bathroom condominium in Panama City Beach, Florida, featuring a hallway bunk area and direct views of the beach, the Gulf, and the resort pools below. Positioned near the center of the building, this fourth-floor unit offers a balanced view of both beachfront pools, the beach access, and the Gulf beyond. The interior features tile flooring throughout the main living areas and luxury vinyl plank flooring in the bedroom. Coastal-style furnishings and décor complement the updated windows and sliding glass door, while flat-screen televisions are located in both the living room and bedroom. The bedroom includes a king-size bed, and the hallway bunk area provides an additional sleeping space. Shiplap accents extend along the hallway and across the hallway and bathroom ceilings. Both bathrooms feature new vanities, updated lighting, and tall toilets, while the full bathroom also includes a tile tub-and-shower combination. An all-in-one washer and dryer is located inside the unit. The fully equipped kitchen includes granite countertops, a tile backsplash, a stainless-steel sink, and an industrial-style faucet. Polywood furniture is included on the balcony. The HVAC system was replaced in 2020, and the water heater was replaced in 2018. The Summit is a gated Gulf-front condominium offering two beachfront pools, including one that is seasonally heated, two poolside hot tubs, two children's pools, an indoor sauna, an exercise room, a game room, shuffleboard, and lighted pickleball courts. On-site conveniences include an ice cream shop, gift shop, convenience store, and Bikini Bob's Grill & Bar. The property is also located near Panama City Beach attractions, dining, entertainment, and nightlife, with Tootsie's Orchid Lounge next door and destinations such as Pirates Voyage Dinner & Show, Topgolf, and McGuire's Irish Pub nearby. All information is deemed reliable but not guaranteed; buyer to verify if important.

8743 Thomas Drive Unit 418, Panama City

Listing courtesy of Coldwell Banker Realty.

$290,000

1 Beds ⋅ 2 Baths ⋅ 791979 MLS

Welcome to one of the most compelling investment opportunities on Panama City Beach. Positioned directly beside the all-new Tootsie's Orchid Lounge--now occupying the legendary former Spinnaker Beach Club--The Summit is poised to benefit from one of the area's biggest new entertainment destinations. This high-profile addition is expected to drive increased visitor traffic, extend guest stays, and strengthen rental demand, making an already proven income-producing resort even more attractive to investors. The Summit has long been recognized as one of Panama City Beach's premier short-term rental destinations, with decades of strong rental performance. Its unbeatable Gulf-front location, extensive resort amenities, and walkable access to restaurants, nightlife, attractions, and family entertainment continue to deliver exceptional appeal for both owners and vacationers. This fully furnished, rental-ready condo offers unobstructed Gulf views from its private balcony and features several valuable updates, including an upgraded tile walk-in shower, new windows, a new sliding glass door, new balcony railings, and an in-unit washer and dryer. The thoughtfully designed floor plan includes a king bedroom, hallway bunk beds, and a convenient half bath. Guests enjoy an unmatched resort experience featuring two Gulf-front swimming pools (one seasonally heated), children's pools, indoor and outdoor hot tubs, saunas, a fitness center, tennis and pickleball courts, shuffleboard, a poolside tiki bar, on-site dining at Bikini Bob's, barbecue and picnic areas, gated 24-hour security, and private beach access. Across the street are amusement attractions, restaurants, shopping, and entertainment, creating the convenience today's vacation renters actively seek. Whether you're expanding your investment portfolio or purchasing your first beachfront income property, The Summit continues to prove why it remains one of Panama City Beach's most dependable cash-flowing condominium communities. With the arrival of Tootsie's adding a powerful new demand driver next door and this unit's recent upgrades already in place, the future potential has never looked stronger. All information is deemed reliable but should be independently verified by buyers if important.

8743 Thomas Drive Unit 1202, Panama City Beach

Listing courtesy of Think Real Estate.

$339,900

1 Beds ⋅ 2 Baths ⋅ 791705 MLS

$56,643 in revenue July '25 to June '26: a 16.7% ROI on the asking price! A newly renovated, 8th-floor, direct-beachfront 1BR/2BA at The Summit that is also a proven cash machine. Wake up to unobstructed Gulf views from your private 8th-floor balcony, then cozy up by the electric fireplace after a day on the sand. The full renovation shows everywhere: a new white shaker kitchen with quartz counters, mosaic tile backsplash, and stainless appliances; updated baths with marble-look tile and quartz vanities; a new memory-foam king; and wood-look plank flooring throughout, finished with designer coastal touches like a sliding barn door and blue velvet accent chairs. It sleeps five with the king, a queen sleeper sofa, and a built-in twin-over-twin bunk nook, and comes complete with an in-unit washer and dryer, two smart TVs, and a fully equipped kitchen, sold fully furnished and truly turnkey. It also sits right next to the booming new Tootsie's in the legendary former Spinnaker Beach Club, a fresh demand driver for the entire resort. The Summit offers two Gulf-front pools (one seasonally heated), children's pools, two outdoor and one indoor hot tub, his-and-hers saunas, a fitness center, tennis and pickleball, shuffleboard, a poolside tiki bar, the on-site Bar & Grill, and gated 24-hour security with direct private beach access. With established Airbnb and VRBO listings, years of five-star reviews, and a loyal repeat-guest base, the unit has a proven track record, and about 12% of its revenue already comes from direct and repeat bookings, well above the Panama City Beach market average. As an added bonus, the seller's revenue consultant will personally assist the buyer in expanding the property's direct-booking strategy through modern AI, automation, and data-driven revenue management techniques. Full rent roll available to qualified buyers.

8743 Thomas Drive Unit 810, Panama City Beach

Listing courtesy of Alikhver Realty.

$349,900

1 Beds ⋅ 2 Baths ⋅ 791704 MLS

$56,765 in revenue July '25 to June '26: a 16.3% ROI on the asking price! One of the strongest-earning 1-bedrooms at The Summit, this fully renovated, direct-beachfront 1BR/2BA pairs strong income with a feature that is almost impossible to find on the sand: a low, 2nd-floor location. There are no elevator waits - guests simply take the stairs and they are on the beach in seconds. The Gulf and the resort pools sit at near-eye level from the private beachfront balcony, and it is the single most praised detail across years of five-star reviews. It is also exactly why 209 out-earns Summit units on the floors above it. Beautifully updated throughout, the condo features wood-look plank flooring, a granite kitchen with glass-tile backsplash, stainless appliances and a dishwasher, refreshed bathrooms, and a smart Nest thermostat. A king bedroom, a queen sleeper sofa, a built-in twin-over-twin bunk nook the kids love, and two comfortable recliners let it sleep five. An in-unit washer and dryer plus new sliding glass doors complete a true turnkey package. The timing could not be better: the new Tootsie's just opened next door in the legendary former Spinnaker Beach Club and it is already packed, pulling fresh nightlife and foot traffic straight to the resort. The Summit offers two Gulf-front pools (one seasonally heated) and two children's pools, two outdoor and one indoor hot tub, his-and-hers saunas, a fitness center, tennis and pickleball, shuffleboard, a poolside tiki bar, the on-site Bar & Grill, and gated 24-hour security with direct private beach access. With established Airbnb and VRBO listings and a loyal base of repeat guests, this condo has a proven track record of success, and about 17% of its revenue already comes from direct and repeat bookings, well above the Panama City Beach market average. As an added bonus, the seller's revenue consultant will personally assist the buyer in expanding the property's direct-booking strategy through modern AI, automation, and data-driven revenue management techniques. The income is the headline, and the rare 2nd floor is the edge no higher unit can match. Full rent roll available to qualified buyers.

8743 Thomas Drive Unit 209, Panama City Beach

Listing courtesy of Alikhver Realty.

$285,000

1 Beds ⋅ 2 Baths ⋅ 1002831 MLS

Welcome to your perfect beach escape! This 1-bedroom, 1-bath condo in Panama City Beach may sound cozy--but don't be fooled... it comfortably sleeps up to 5 guests! Whether you're looking for a high-performing vacation rental or your own slice of paradise, this unit delivers. Enjoy sun-soaked days, salty breezes, and unforgettable sunsets just steps from the sand. Turn-key and rental-ready with a new central heat and air system , this is the investment (or getaway) you've been waiting for! Dining and entertainment of all sorts is within walking distance.

8743 Thomas Dr Unit UNIT 931, Panama City Beach

Listing courtesy of Coastal Choice Realty LLC.

$334,789

1 Beds ⋅ 2 Baths ⋅ 789667 MLS

Gulf-front investment opportunity at Summit Beach Resort in Panama City Beach. This beautifully maintained one-bedroom, one-and-a-half-bath condominium offers stunning, unobstructed views of the Gulf of Mexico from a private balcony and a highly functional floor plan that comfortably accommodates up to six guests. The unit features a fully renovated kitchen, in-unit washer and dryer, spacious living area with sleeper sofa, luxury vinyl plank flooring throughout, and wood-look tile in the oversized primary bedroom. Additional highlights include hallway bunk beds and a convenient Jack-and-Jill bathroom design, making the layout ideal for vacation rentals and family getaways alike. Summit Beach Resort is a highly sought-after, amenity-rich beachfront resort offering multiple pools, hot tubs, sauna, tennis courts, shuffleboard, an on-site Tiki bar, grilling area, arcade/game room, playground, beach services, water sports, and a sundry shop. Whether you are seeking a strong short-term rental investment or your own personal beachfront retreat, this property offers immediate enjoyment with excellent income potential and long-term upside. Amazing income!

8743 Thomas Drive Unit 523, Panama City Beach

Listing courtesy of Beachy Beach Real Estate.

$284,000

1 Beds ⋅ 2 Baths ⋅ 1001132 MLS

GREAT VIEWS OF THE GULF from the 6th floor. Gulf-Front Living at The Summit - Prime Panama City Beach Location. Tremendous rental income! This condo is one of the highest rental income condos in Summit. Located in the highly desirable, gated community of The Summit Condominium, this Gulf-front condo offers the perfect blend of comfort, convenience, and resort-style amenities. Ideally situated near St. Andrews State Park, marinas, dining, shopping, and local entertainment, this central location makes it an excellent choice for both personal use and investment. Community Highlights: Direct beach access to sugar-white sands Poolside Tiki Bar overlooking the Gulf 2 large swimming pools (one seasonally heated) 2 kiddie pools 2 outdoor hot tubs + 1 indoor hot tub Dry saunas On-site market & Bikini Bob's grill Fitness center Shuffleboard, tennis & pickleball courts Unwind on your private balcony and take in stunning Gulf views, soft white sand beaches, and unforgettable sunset skies--your perfect coastal escape.

8743 Thomas Dr Unit UNIT 622, Panama City Beach

Listing courtesy of Keller Williams Realty SRB.

$284,000

1 Beds ⋅ 2 Baths ⋅ 788652 MLS

8743 Thomas Drive Unit 622, Panama City

Listing courtesy of Keller Williams Realty Emerald.

$299,000

1 Beds ⋅ 2 Baths ⋅ 784397 MLS

*** Motivated Seller *** Recent Price Improvement, dropped $30K Unit 606 at The Summit, is a beautifully situated Gulf-front condominium offering stunning coastal views and beachfront living at its best. This well-appointed residence features an open floor plan with abundant natural light, private balcony overlooking the sugar-white sands and emerald waters of Panama City Beach, and comfortable living space perfect for vacationing, full-time living, or investment ownership. Whether you're savoring morning coffee with sunrise over the Gulf or enjoying an evening breeze with sunset cocktails, this unit delivers the iconic coastal lifestyle buyers crave. Resort-Style Living at The Summit The Summit is one of Panama City Beach's most beloved beachfront communities, offering an array of amenities designed for fun, relaxation, and convenience: Direct private beach access with pristine shoreline just steps from your door Two Olympic-sized beachfront pools (one heated seasonally) plus children's pools Multiple hot tubs (including indoor options) and sauna/steam rooms Tiki Bar & onsite dining like Bikini Bob's Restaurant & Grill and Summit Market Fitness center, tennis courts, basketball, pickleball & shuffleboard courts Game room, picnic/BBQ areas, and 24/7 gated security Beach services including chair rentals, watersports, and parasailing available nearby for extra fun All of this makes The Summit not just a condo, but a full-resort destination right on the Gulf. Prime Location & Exciting New Neighbor Location couldn't be better , The Summit sits in the heart of Panama City Beach's vibrant coastal scene along Thomas Drive. In early 2026, the iconic Tootsie's Orchid Lounge is opening right next door, bringing tropical drinks, live music, and relaxed beach nightlife literally steps from your front door, a lifestyle and rental upside that's truly unmatched. Endless Nearby Activities & Attractions From family fun to outdoor adventure, this location puts you close to it all: Ripley's Believe It or Not! and WonderWorks for quirky, fun indoor entertainment St. Andrews State Park -- one of Florida's premier natural beach parks with fishing, trails, kayaking and picnicking ZooWorld Zoological & Botanical Conservatory -- interactive wildlife encounters Coconut Creek Family Fun Park and amusement options for all ages Dozens of great restaurants, bars, shops and local attractions just a short stroll or drive away A Smart Investment or Dream Getaway With The Summit's strong year-round appeal as a vacation rental destination, beachfront location, resort amenities, and new energy from Tootsie's next door, Unit 606 offers exceptional lifestyle value and future upside for investors or second-home buyers alike.

8743 Thomas Drive Unit 606, Panama City Beach

Listing courtesy of RE/MAX SELECT Partners.

$289,900

1 Beds ⋅ 2 Baths ⋅ 963892 MLS

NEW MARKET PRICE $304,499! Gulf-front 10th-floor condo at The Summit in Panama City Beach. This 1-Bedroom, Two-Full-Bath beachfront unit features panoramic Gulf views, direct deeded beach access, and a private balcony overlooking the white-sand shoreline. The Summit is a Gulf-front resort community offering two beachfront pools (one heated seasonally), two kiddie pools, indoor and outdoor hot tubs, sauna, fitness center, shuffleboard, and lighted tennis and pickleball courts. On-site conveniences include a Tiki Bar & Grill, ice cream shop, and a full-service convenience store. Open parking available. Prime location near St. Andrews State Park, marinas, restaurants, shopping, and popular Panama City Beach attractions. Strong potential for short-term vacation rental income or personal use All information is deemed reliable but not guaranteed; buyers are advised to verify if important.

8743 Thomas Dr Unit 1028, Panama City Beach

Listing courtesy of REV Realty.

$358,900

1 Beds ⋅ 2 Baths ⋅ 775612 MLS

This stunning, fully updated 1 Bedroom 1.5 Bath condo offers a coastal and turnkey rental opportunity. Features include Complete renovation with all new electrical, plumbing, water heater and HVAC. Drop ceilings with recessed lighting for bright, clean look. New finishes throughout including doors, trim, flooring, and paint. Custom built-in bunks. Updated kitchen with new custom cabinets, granite countertop, stylish backsplash and shiplap accents. Bathrooms completely redone new walk-in tile shower, new vanities with granite tops, new toilets, and oversized mirror. New appliances, furniture and accessories included. Turnkey and rental-ready, this unit is the perfect blend of comfort, style, and investment opportunity. The Summit offers a fantastic outdoor area featuring two pools, including one that's heated in the winter, along with a tiki bar. On-site amenities include Bikini Bob's Restaurant, a market, and convenient beach service. The Summit is located on Thomas Drive, close to popular restaurants, entertainment, and the new Tootsies right next door.

8743 Thomas Drive Unit 1109, Panama City

Listing courtesy of Anchor Realty Florida.

$299,800

1 Beds ⋅ 2 Baths ⋅ 777789 MLS

Escape to paradise ! This beautiful fully furnished unit features 1 Bedroom, 1.5 Bathrooms and, bunks located in the hallway. This unit is Turn Key Rental Ready !! The brand new sliding door lets you walk out onto your private balcony and enjoy the amazing views of the two pools and The Gulf of America !! Call today to schedule your very own private tour and make this place home or a great vacation spot.

8743 Thomas Drive Unit 704, Panama City Beach

Listing courtesy of Emerald Coast Realty Group.

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