9900 S Thomas Drive UNIT 2131

Panama City Beach, FL 32408

$675,000

Active

9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408
9900 S Thomas Drive UNIT 2131, Panama City Beach, FL 32408

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Beds
3
Baths
3
Square feet
1,400
Year built
2007
Property type
A

Description

Stop Waiting on the Bank. Start Owning the Beach.
Your Name on the Deed. Your Terms!!!

Unit 2131 is now available with OWNER FINANCING.
Here's the opportunity:

20% Down
5% Interest
5-Year Balloon
No Debt on your credit
No credit check
No hassle to verified income

As an investor, there are things that are important to you; cashflow, something to enjoy with family and also pays for itself. This creates the opportunity where all those things exists.

Especially in today's economic climate, where interest rates and lending conditions can be influenced by factors beyond your control, this is the perfect way to take control of how you invest comfortably.

This end unit speaks for itself, perfectly positioned with a highly sought-after wraparound balcony with breathtaking panoramic views, offering an elevated beachfront experience that truly sets it apart.

Whether you're looking for a vacation getaway, second home, or investment opportunity, this property offers a combination that's hard to find: prime location, incredible views, and flexible owner financing!!

The unit also comes with 2 deeded parking spaces sold separately.

Listing details MLS# 1010650

Location, Tax and Legal

Area
27 - Bay County
Sub area
2718 - Beach - Central South
Subdivision
SHORES OF PANAMA
County
Bay
Parcel ID
40000-675-272
Tax year
2025
Annual tax
6248.86
Legal description
SHORES OF PANAMA II UNIT 2131 TYPE U ORB 2835 P 434 3BR 3BA . 1400 TOTAL SF ORB 4606 P 2043 PK SP 735 & 736

General Property Info

Property type
Residential
Year built
2007
New construction
No
Condition
Construction Complete

Interior

Bedrooms
3
Bathrooms
3
Full baths
3
Half baths
0
Building area
1400
Cooling
Ceiling Fans
Appliances
Cooktop, Ice Machine, Range Hood
Total rooms
5

Exterior and Site

Parking
See Remarks
Garage spaces
2
Pool features
Pool Type

Utilities

Utilities
Electric

Schools

Elementary
Breakfast Point
Middle school
Breakfast Point
High school
Arnold

Remarks and Misc

Directions
From the Hathaway bridge head west on us-98, Use the right 3 lanes to turn slightly right to stay on US-98 w, turn slightly left onto FL-30 W/Front Beach Rd, turn left onto Thomas Dr, Turn right onto S Thomas Dr, 9900 S Thomas Dr.
MLS IDX Listing Disclosure © 2026

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