For sale Home

Listed Oct 23, 2026

$1,895,000 Est. $12,534/mo

8013 Surf Drive Unit B

  • 5

    Beds

  • 5

    Baths

  • 3,076

    Sq ft

The story

  • Pool
  • Waterfront

The beach is the destination, but a home like this can make staying in just as appealing. A heated pool sits directly between the house and the Gulf, balconies open toward the water, and three levels give everyone room to gather, relax and retreat. Set directly on the sand on the quiet east end of Panama City Beach, this 5BR/5BA home is designed to make the most of its beachfront setting. The main level brings the Gulf into the heart of the home, with 10-ft ceilings, an open kitchen, dining and living area, and a covered patio overlooking the heated pool and water beyond. Crisp white finishes, shiplap walls and transom windows keep the interiors bright and relaxed, while the open layout creates an easy connection between the living spaces and the outdoors. The kitchen features upgraded cabinetry, Corian countertops, stainless steel appliances and an expansive 13-ft breakfast bar, giving everyone plenty of room for casual meals and conversation. Beyond the covered patio, the pool deck gives guests plenty of room to settle in between beach outings, while direct access to the sand makes going back and forth remarkably easy. An outdoor shower takes care of sandy feet and beach gear, making it easy to come in from the beach without tracking sand through the house. The five-bedroom layout is spread across three levels, giving families and groups plenty of space while maintaining comfortable separation between sleeping areas. The first floor includes a bedroom and full bath, along with the enclosed laundry area. Upstairs, the gulf-facing primary suite has private access to a 10x20-ft balcony, a large walk-in closet and a renovated bath with a spacious walk-in shower and distinctive tilework. Two additional bedrooms on this level each have their own ensuite bath. The third floor adds a fifth bedroom and full bath, along with a wet bar and another gulf-view balcony. The space offers flexibility as additional guest quarters, a media or game room, or a quieter retreat away from the main living areas. The home's updates extend beyond the interiors, with features selected to handle the demands of a beachfront location. A new air conditioning unit was installed in January 2026. Hardie board siding, a seamless metal roof, hurricane shutters and a weather-resistant exterior finish provide durability and added peace of mind. A two-car garage adds secure parking and plenty of storage for bikes, beach gear and everything that comes with spending time on the water. The east-end location keeps you away from the busier stretches of Panama City Beach while keeping St. Andrews State Park, marinas, golf, Pier Park, shopping, dining and area attractions within easy reach. Spend the day exploring, or stay close to home and let the beach, pool and Gulf views do the entertaining. For a buyer looking for a Panama City Beach vacation home that can be enjoyed personally and welcomed by short-term guests, this property brings together the features that matter: direct Gulf frontage, a private heated pool, five bedrooms, five full baths, multiple outdoor spaces and a location that makes the beach the center of the experience. Come see what makes this Gulf-front home such a compelling place to stay - and an even better one to own.

Facts & features

Home type

Home

Year built

2000

Price per sq ft

$616

Parking

1-car garage

Included features

  • Pool

    Yes

  • Cooling

    Central Air, Ceiling Fans

  • Heating

    Central, Electric

  • Appliances

    Electric Oven, Electric Range, Electric Water Heater

  • Exterior

    Covered Patio

  • Sewer

    Public Sewer

  • View

    Water

Mortgage calculator

Estimated monthly payment

$12,534 /mo

7% rate · 30-yr fixed · 20% down

  • Principal & interest $10,086
  • Property tax $1,895
  • Insurance $553

Includes principal, interest, taxes & insurance.

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Listing Broker

Berkshire Hathaway HomeServices Beach Properties of Florida

Broker Name

Berkshire Hathaway HomeServices Beach Properties of Florida

Agent

Craig Duran

Location

PANAMA CITY BEACH FL 32413