For sale Condo

Listed Oct 16, 2026

$825,000 Est. $5,457/mo

8601 Surf Drive Unit 12w

  • 3

    Beds

  • 2

    Baths

  • 1,783

    Sq ft

The story

  • Pool
  • Waterfront

Unit UNIT 12W at 8601 Surf Drive is a 3-bedroom, 2-bathroom condo in Panama City Beach, FL with 1,783 sq ft of living space, built in 2000. It is currently listed at $825,000, with a quarterly HOA fee of $4,260. Highlights include a waterfront setting, water views, a fireplace and a pool.

BACK ON THE MARKET & READY FOR YOU | NEVER RENTED | 1,783 SQ FT | ONLY 2 UNITS PER FLOOR | GULF FRONT Here's another chance to discover Grande Surf Club 12W--a rare Gulf-front residence in Panama City Beach offering the space, privacy, and comfort of a coastal home with all the benefits of beachfront living. This spacious 3-bedroom, 2-bath, 1,783 sq. ft. condo has NEVER been rented and has been enjoyed exclusively as a personal residence and private family beach retreat. That means no years of rental turnover--just a beautifully maintained Gulf-front home that has been cared for and enjoyed by the same family. Inside, you'll find a spacious open layout with custom ceiling treatments, high-end finishes, an electric fireplace, a massive leather sectional, and a dining table for eight that even converts into a poker/game table. Step outside onto the large wraparound balcony and take in unobstructed views of the Gulf--the perfect place for morning coffee, sunset dinners, or simply listening to the waves. What really sets Grande Surf Club apart is the privacy. This desirable low-density beachfront building has only 28 residences with just TWO units per floor, private beach access, and a Gulf-front community pool. You get the convenience of being right in the heart of Panama City Beach while enjoying a quieter, less crowded beachfront setting. Whether you're searching for a full-time Gulf-front residence, second home, or private family beach getaway, 12W offers something increasingly hard to find in Panama City Beach. Never rented. More space. More privacy. Custom finishes. Unobstructed Gulf views. 12W is back, available, and ready for its next chapter. Schedule your private showing and come experience the difference at Grande Surf Club.

Facts & features

Home type

Condo

Year built

2000

Floors

15

Price per sq ft

$463

HOA

$4,260 / quarterly

Included features

  • Pool

    Yes

  • Fireplace

    Yes

  • Cooling

    Central Air, Ceiling Fans

  • Heating

    Central, Fireplaces

  • Appliances

    Washer Dryer Stacked, Electric Range, Electric Water Heater, Ice Maker

  • Sewer

    Public Sewer

  • View

    Water

Mortgage calculator

Estimated monthly payment

$5,457 /mo

7% rate · 30-yr fixed · 20% down

  • Principal & interest $4,391
  • Property tax $825
  • Insurance $241

Includes principal, interest, taxes & insurance.

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Listing Broker

Hilltop Legacy Realty

Broker Name

Hilltop Legacy Realty

Agent

Christopher Moseley

Location

Panama City Beach FL 32407