For sale Condo

Listed Feb 4, 2026

$459,900 Est. $3,042/mo

8517 Surf Drive Unit 203

  • 1

    Beds

  • 1

    Baths

  • 1,060

    Sq ft

The story

  • Waterfront

Gulf-Front Living at Its Finest - On the Beach! Experience coastal paradise from this rarely available gulf-front, low-rise condominium located on the 2nd floor (top floor), just steps from the sugar-white sands and surf of the Gulf of Mexico. Wake up to the soothing sound of waves and water views from your private balcony -- the perfect place for morning coffee or evening sunsets. Inside, enjoy an open, light-filled layout with thoughtful updates throughout. The kitchen and living areas flow seamlessly, ideal for both relaxed living and entertaining guests. Amazing wood-like tile through the entire home. The kitchen boasts beautiful cabinetry, a copper apron sink, and stunning quartz countertops. Also matching copper backsplash and a high-end Whirlpool appliance package. A spacious en-suite with walk-in-closet. Currently a permanent residence and pride of ownership shows throughout. Previously a 2 bath and owners coverted to 1 bath, could easily be changed back and owners have the matching flooring.on the second story offers elevated views while still providing easy access. The current owners have the living space set up as the master bedroom to wake up to the view! This well-maintained condo is part of a low-density community that enhances privacy and charm while placing you in close proximity to local dining, shopping, and entertainment options. It may have the lowest association fees that you will find anywhere. Hvac and water heater are less than 4 years old. Whether you're seeking a permanent residence, vacation escape, or investment property, this Gulf-front gem delivers unparalleled beach lifestyle living. Don't miss your chance to own a piece of coastal bliss!

Facts & features

Home type

Condo

Year built

1990

Price per sq ft

$434

HOA

$5,000 / annually

Included features

  • Cooling

    Central Air

  • Heating

    Central

  • Appliances

    Electric Oven, Electric Water Heater

  • Sewer

    Public Sewer

Mortgage calculator

Estimated monthly payment

$3,042 /mo

7% rate · 30-yr fixed · 20% down

  • Principal & interest $2,448
  • Property tax $460
  • Insurance $134

Includes principal, interest, taxes & insurance.

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Listing Broker

Northwest Florida Realty, LLC

Broker Name

Northwest Florida Realty, LLC

Agent

Donald W West

Location

Panama City FL 32405