For sale Condo

Listed Nov 4, 2026

$1,525,000 Est. $10,086/mo

8515 Surf Drive Unit 3

  • 4

    Beds

  • 3

    Baths

  • 2,464

    Sq ft

The story

  • Pool
  • Waterfront

Experience Gulf-front, first floor living at 8515 Surf Drive, Unit 3, a beautifully renovated four-bedroom, three-bath condominium in an intimate, six-unit, low-rise community in Panama City Beach. Located on the first residential level, this spacious retreat features a private, key-coded elevator opening into your own foyer. High ceilings, custom crown molding, luxury vinyl plank flooring and an open layout create an inviting setting framed by spectacular Gulf views. The living area features a gas fireplace, Lutron lighting and remote-controlled blinds, while the generous dining space offers room for gathering and entertaining. The updated kitchen includes upgraded cabinetry, granite countertops, stainless steel appliances, a smooth-top stove and a breakfast bar. Expansive sliding glass doors connect the living area to an impressive covered deck that wraps around the entire Gulf-facing exterior of the condominium. Spanning 56 feet in length, this outdoor living space offers ample room for dining, lounging and entertaining against a stunning coastal backdrop. Thoughtfully designed with Balconista furniture, special ambient lighting, an outdoor television, ceiling fans and privacy screens, the deck is equally inviting during the day and after sunset. A retractable garden hose adds convenience. Enjoy morning coffee overlooking the water and evenings with the sound of the waves and brilliant coastal sunsets. The primary suite offers direct deck access, Gulf views and east-facing windows that welcome the morning light. Its bath features dual vanities, a jetted tub with Gulf views and a custom-organized closet. A second Gulf-front bedroom shares a bathroom with the third bedroom, while the fourth bedroom includes a private bath. All three bathrooms have been renovated with updated tile, shower surrounds, toilets and heated towel rods. Additional conveniences include custom closets, a built-in safe in the laundry room and a covered front balcony. Improvements include hurricane-rated windows and doors, Hardie plank siding, a metal roof, an updated carport ceiling and HVAC. Two Gulf-front pools provide separate areas for owners and rental guests, and a gated beach walkover offers direct access to the sand. Three covered parking spaces beneath the building and an additional driveway space provide parking for up to four vehicles. Owner-occupied for the past five years, this thoughtfully upgraded condominium offers an exceptional setting for a primary residence, beach retreat or vacation rental. Offered unfurnished, with the outdoor furnishings, outdoor television, ceiling fans and privacy screens are included.

Facts & features

Home type

Condo

Year built

2001

Floors

3

Price per sq ft

$619

HOA

$5,000 / quarterly

Included features

  • Pool

    Yes

  • Fireplace

    Yes

  • Cooling

    Central Air, Ceiling Fans

  • Heating

    Central, Electric, Fireplaces

  • Appliances

    Electric Cooktop, Gas Water Heater, Ice Maker, Plumbed For Ice Maker, Tankless Water Heater

  • Flooring

    Plank, Vinyl

  • Lot Information

    Paved

  • Exterior

    Covered Patio, Outdoor Shower

  • Sewer

    Public Sewer

  • View

    Water

Mortgage calculator

Estimated monthly payment

$10,086 /mo

7% rate · 30-yr fixed · 20% down

  • Principal & interest $8,117
  • Property tax $1,525
  • Insurance $445

Includes principal, interest, taxes & insurance.

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Listing Broker

Beach House Sales and Development

Broker Name

Beach House Sales and Development

Agent

Beth Mulvey

Location

Panama City Beach FL 32407