9900 S Thomas Drive Unit 2131, Panama City Beach

$675,000

3 Beds
3 Baths
1,400 Sqft
0 Acre
2 Garages

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.

Essential Information
MLS® #1010650
Price$675,000
Sold Price$655,000
Date Sold$2026-09-30
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage1,400
Year Built2007
TypeResidential
Sub-TypeCondominium
StyleN/A
StatusSold
Community Information
Address9900 S Thomas Drive Unit 2131
Area27 - Bay County
SubdivisionSHORES OF PANAMA
CityPanama City Beach
CountyBay
StateFL
Zip Code32408
Amenities
UtilitiesElectric
ParkingSee Remarks
# of Garages2
Is WaterfrontYes
WaterfrontBay
Interior
AppliancesCooktop, Range Hood
CoolingCeiling Fan(s)
School Information
ElementaryBreakfast Point
MiddleBreakfast Point
HighArnold
Additional Information
Days on Website52
Listing Details
OfficeSalty Marlin Realty
Property History
Price Reduced from $680,000 to $675,000
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All listings are provided courtesy of the Emerald Coast Association of Realtors, Copyright2026, All rights reserved.

Listing information last updated on October 16th, 2026 at 10:22pm CDT.