Top Of The Gulf Condo. Homes with Gulf Waterfront Features

Welcome to Top Of The Gulf Condo, a stunning beachfront retreat nestled in the heart of Bay County, Florida. This exquisite subdivision offers an unparalleled living experience, where the serene sound of the waves and the breathtaking views of the Gulf of Mexico become a part of your everyday life.

Top Of The Gulf Condo is not just a place to live; it’s a lifestyle. With its prime location, residents enjoy direct access to the pristine sandy beaches, making it a perfect haven for sun-seekers and water sports enthusiasts alike. The condos in this community are designed to maximize the stunning waterfront views, featuring spacious balconies where you can sip your morning coffee while watching the sunrise over the Gulf.

Each unit in Top Of The Gulf Condo boasts modern amenities and elegant finishes, ensuring comfort and style. With a variety of floor plans available, there’s something for everyone, whether you’re looking for a cozy getaway or a spacious family residence. The community also offers fantastic amenities, including a sparkling pool, fitness center, and direct beach access, providing endless opportunities for relaxation and recreation.

Living in Top Of The Gulf means embracing a vibrant coastal lifestyle, with nearby attractions, dining, and shopping options just a short drive away. Whether you’re seeking a permanent residence or a vacation home, this subdivision offers the perfect blend of luxury and leisure. Discover your dream home at Top Of The Gulf Condo, where every day feels like a vacation!

Newest Top Of The Gulf Condo. Homes with Gulf Waterfront Features

$259,000

1 Beds ⋅ 1 Baths ⋅ 793163 MLS

Welcome to Unit A804 at The Top of the Gulf, a beautifully renovated top-floor Gulf-front condo offering the perfect combination of coastal charm, modern comfort, and exceptional investment potential. Located on the 8th floor, this residence enjoys one of the most desirable positions in the building -- no units above means added peace and quiet for owners and guests alike. Thoughtfully updated and sold fully furnished, the condo features stylish coastal-inspired furnishings and décor, creating a bright, welcoming atmosphere that is completely turnkey and rental-ready. Major upgrades include a brand-new HVAC system and a self-draining dehumidifier installed approximately 2½ years ago, providing enhanced comfort, efficiency, and peace of mind. For investors, this property checks every box. The condo offers a proven rental history with future bookings already in place through April 2027, including confirmed reservations in September, March, and April, allowing a new owner to begin generating income immediately. Perfectly situated in the heart of Panama City Beach, The Top of the Gulf places you just minutes from great dining, shopping, and recreational activities. And for those seeking entertainment, the newly opened Tootsie's Orchid Lounge is only a 5-minute walk up the beach, adding even more excitement and value to this prime location. Whether you're searching for a personal beach retreat, a second home, or a high-performing income property, Unit A804 delivers turnkey Gulf-front living with established rental income and future reservations already secured. Don't miss this opportunity to own a top-floor beachfront condo in one of Panama City Beach's most convenient and sought-after locations at a GREAT PRICE POINT!!

8817 S Thomas Drive Unit A804, Panama City Beach

Listing courtesy of Beach Haven Realty.

$229,000

1 Baths ⋅ 792220 MLS

Enjoy Gulf and pool views from this 2nd floor studio at Top of the Gulf, a well-maintained beachfront community that has recently completed major building upgrades. This unit offers all the excitement of poolside activity as well as Gulf views. This turnkey condo is fully furnished and features a functional open layout. The fully equipped kitchen includes stove, refrigerator, dishwasher, microwave, Keurig, dishes, and cookware. Additional features of the unit include Wifi, large TV, comfortable seating, dining for four, and large walk-in closet. Recent building upgrades and amenities include new elevators, resurfaced floors, recently replaced windows and doors, new railings, and complex-wide Wifi. Community amenities include direct beach access, gulf-front pool and kiddie pool, seasonal snack bar, second-story sundeck, and BBQ/picnic areas. Inside the complex you will find a fitness room, game room, owner's lounge with kitchen, public lounge/wifi room, and four laundry rooms on even-numbered floors. Walk to dining, shopping, and attractions. Pineapple Willy's, Tootsie's, Juan Taco, Hersey's Ice Cream, and Alvin's Island are walkable. Ripley's Believe or Not, Coconut Maze, and Signal Hill Golf Course are all nearby. Great opportunity for a low-maintenance beach getaway or income-producing property with great short-term rental potential.

8817 S Thomas Drive Unit A205, Panama City Beach

Listing courtesy of Savvy Avenue LLC.

$275,000

1 Baths ⋅ 786933 MLS

Newly remodeled and decorated Condo with stunning Ocean views, and beautiful finishing touches ads to the luxury feel of this stunning beachfront studio condo, which sleeps 4 comfortably. Located in a low-density, friendly complex, this unit offers a peaceful and relaxing atmosphere with low HOA which is becoming harder to find. Steps away for the sugar sand beach and Emerald Coast Waters. Conveniently located near Restaurants, shopping and or Golfing. This Unit has been used primarily by its owners keeping it looking fresh as the first day. Top of The Gulf Features: Beachfront with an affordable HOA Sparkling Pool, Snack Shack, Game Room & more... Centrally located near golf, shopping & local Restaurants including Tootsie's Orchid Lounge opening soon next door.

8817 S Thomas Drive Unit a213, Panama City Beach

Listing courtesy of LPT Realty LLC.

$236,000

1 Baths ⋅ 786394 MLS

The Perfect Beach Retreat! Beautifully updated Gulf front Studio Condo located at Top of the Gulf resort in Panama City Beach! This studio condo features a tiled floor throughout, full kitchen, king size bed and ample natural light. There is even a large storage closet that some owners have turned into a bunkroom. In February 2026 the electrical panel was replaced along with all of the outlets. The location could not be any better! Nearby attractions include Ripley's Believe It or Not, Wonderworks, Signal Hill Golf Course & St. Andrews State Park. Ready for Lunch or Dinner? Walk just down the beach to one of the most well known restaurants in PCB - Pineapple Willy's! There are also many other dining, shopping and entertainment options a short stroll away. JUST OPENED - Tootsie's Orchid Lounge. Located right on the beach just steps from Top of the Gulf. It will feature Live Music, Food & Drinks in a massive 36,0000 sqft venue. Schedule your showing today!

8817 S Thomas Drive Unit 615, Panama City

Listing courtesy of Keller Williams Success Realty.

$215,000

1 Baths ⋅ 783771 MLS

This desirable low-floor unit offers the perfect beach hideaway on the sugar-white sands of Panama City Beach. Well maintained and thoughtfully furnished, the condo is truly turnkey and ready for immediate enjoyment. Whether you're seeking a short-term rental opportunity or a second home by the beach, this unit fits the bill. Conveniently located in the Thomas Drive area, you're just minutes from shopping, dining, entertainment, and all that Panama City Beach has to offer. The community provides direct beach access along with a pool just steps away—ideal for owners and guests alike. Top of the Gulf amenities include a beachfront pool, tiki bar, shuffleboard, fitness center, game room, and expansive sun decks. With its strong rental appeal and prime location, this unit presents an excellent investment opportunity. All measurements are approximate and should be verified if important.

8817 S Thomas Drive Unit A204, Panama City Beach

Listing courtesy of Think Real Estate.

$244,900

1 Baths ⋅ 779195 MLS

Turnkey Studio with Gulf Views - Unit A-418 Welcome to Unit A-418 -- a beautifully updated, move-in-ready studio that blends comfort, style, and functionality in one perfect package. This clean and spacious unit features two Queen beds, comfortably sleeping up to four guests, making it an ideal vacation rental, second home, or beach getaway. Enjoy breathtaking Gulf views through floor-to-ceiling windows that flood the space with natural light. The neutral beach-themed decor creates a relaxing, coastal vibe throughout. The well-stocked kitchen and dedicated eating area make it easy to dine in, while the full bathroom includes a tub/shower combo for convenience. Tile and luxury vinyl plank flooring offer durability and easy maintenance, and a huge owner's closet provides ample storage or could easily be converted into a cozy bunk room or additional closet space. Situated in a well-maintained community with an active HOA that keeps the grounds beautifully manicured and secure -- ensuring your investment stays protected. Whether you're looking for a personal retreat or a high-performing rental, Unit A-418 checks all the boxes.

8817 Thomas Drive Unit A418, Panama City Beach

Listing courtesy of HSFLA LLC.

$214,900

1 Baths ⋅ 773250 MLS

Welcome to Top of the Gulf 208, a beachfront property offering stunning views of the white sands and emerald-green waters of the Gulf of America. This fully furnished studio features floor-to-ceiling windows with beautiful views, two queen beds, a full bathroom, and an updated and open kitchen equipped with everything needed to prepare the perfect meal. Enjoy the sunset after a day of leisure from your residence, vacation home, or investment property. Top of the Gulf offers exceptional coastal views and amenities including beach access, a large Gulf-side pool, separate kiddie pool, game room, shuffleboard court, fitness center, owners lounge, BBQ grills, picnic areas, large Adirondack chairs for relaxing, laundry facilities, and a small poolside café. The resort is centrally located in Panama City Beach, within minutes of Tootsies, restaurants, shopping, and various local attractions. The HOA fee covers water, sewer, garbage, cable, and internet, ensuring a hassle-free living experience. This charming property won't last long--Schedule your showing today to make this your ideal beach retreat. All information is approximate and should be verified by the buyer if deemed important.

8817 Thomas Drive Unit A208, Panama City Beach

Listing courtesy of Lifes A Beach Real Estate, LLC.

$199,999

1 Baths ⋅ 768936 MLS

PRICE IMPROVEMENT - $199,999! Don't miss your opportunity to own a beachfront condo at this price! Welcome to Top of the Gulf 210, a beachfront property with spectacular views of the sugar white sands and emerald-green waters of the Gulf of America. This cozy studio is being sold fully furnished and it features floor-to-ceiling windows with beautiful views, a queen bed, a sleeper sofa, and a fully equipped kitchen with everything you need to whip up the perfect meal. Watch the sunset after a fun-filled day from your residence, vacation home or investment property. This owner has two units for sale - make an offer on both and live in one while generating passive income by renting out the other, or keep both as high-yield beach investments. Top of the Gulf has both spectacular coastal views and excellent amenities which include beach access, a large Gulf side pool, separate Kiddie pool, game room, shuffleboard court, fitness center, owners lounge, BBQ grills, picnic areas, large Adirondack chairs to relax in, laundry facilities, and a small poolside café. The resort is nestled in the heart of Panama City Beach, just minutes from restaurants, shopping, and many local attractions. Your HOA fee covers water, sewer, garbage, cable, and internet, ensuring you enjoy a hassle-free living experience. This charming property won't last long--schedule your showing today and make it your perfect beach retreat! All information is approximate and should be verified by buyer if important.

8817 Thomas Drive Unit A210, Panama City Beach

Listing courtesy of Lifes A Beach Real Estate, LLC.

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