8515 Surf Drive UNIT 3, Panama City Beach, FL, 32408

Save
Ask
Tour
Hide
Share
$1,525,000
New Listing

8515 Surf Drive UNIT 3
Panama City Beach, FL 32408

For Sale|Condominium|Active
4
Beds
3
Total Baths
3
Full Baths
2,464
SqFt
$619
/SqFt
2001
Built
Subdivision:
Bel Air Beach Condo
County:
Bay
Listing courtesy of Beth L Mulvey of Beach House Sales and Development

Due to the health concerns created by Coronavirus we are offering personal 1-1 online video walkthough tours where possible.

8515 Surf Drive UNIT 38515 Surf Drive UNIT 38515 Surf Drive UNIT 38515 Surf Drive UNIT 3
Save
Ask
Tour
Hide
Share

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. Two covered parking spaces beneath the building, plus an additional driveway space. Owner-occupied for the past five years, this thoughtfully upgraded condominium offers an exceptional setting for a primary residence, beach retreat or vacation rental. Furnishings are negotiable. Additional features listed: smart-home controls; fiber-optic internet; instant hot water; ice maker and plumbing for an ice maker; carbon monoxide detector; security fence and security lights; dedicated beach and nearby beach access; covenants and restrictions; within 1/2 mile to water; county and paved road access; residential multifamily zoning; assigned parking, additional driveway parking, gravel and paved parking surfaces; outbuilding; fenced gunite/concrete pool heated by gas; unobstructed Gulf views; garbage service.

Save
Ask
Tour
Hide
Share
Listing Snapshot
Price 
$1,525,000
Days On Site 
0 Days
Bedrooms 
4
Inside Area (SqFt) 
2,464 sqft
Total Baths 
3
Full Baths 
3
Partial Baths 
N/A
Lot Size 
N/A
Year Built 
2001
MLS Number 
1014835
Status 
Active
Property Tax 
$13,398.02
HOA/Condo/Coop Fees 
$1,666.67 monthly
Sq Ft Source 
N/A
Friends & Family
Recent Activity
6 hours agoListing first seen on site
6 hours agoListing updated with changes from the MLS
General Features
Carport 
2
Levels 
One
Number Of Stories 
3
Parking 
Attached CarportCovered
Parking Spaces 
2
Property Sub Type 
Condominium
Security 
Fire AlarmSmoke Detector(s)
Sewer 
Public Sewer
SqFt Total 
2464
Style 
N/A
Utilities 
Natural Gas AvailableCable AvailableElectricity AvailablePhone Available
Water Source 
Public
Interior Features
Appliances 
CooktopDisposalDryerFreezerMicrowaveDouble OvenRefrigeratorWasherGas Water HeaterTankless Water Heater
Cooling 
Central AirCeiling Fan(s)Electric
Fireplace 
Yes
Fireplace Features 
EPA Qualified FireplaceGas
Flooring 
TileVinyl
Heating 
CentralNatural GasElectric
Interior 
Breakfast BarCrown MoldingElevator
Window Features 
Double Pane WindowsWindow Treatments
Balcony 
Dimensions - 56 x 14Level - FirstDescription - Covered Gulf-front deck
Bedroom 
Dimensions - 15 x 11Level - First
Dining Room 
Dimensions - 13 x 8Level - First
Kitchen 
Dimensions - 15 x 12Level - First
Living Room 
Dimensions - 20 x 16Level - First
Master Bedroom 
Dimensions - 17 x 15Level - First
Save
Ask
Tour
Hide
Share
Exterior Features
Construction Details 
FrameAluminum Siding
Exterior 
BalconyOutdoor Shower
Fencing 
Partial
Frontage 
Waterfront
Lot Features 
Waterfront
Patio And Porch 
PorchDeckCovered
Pool Features 
HeatedIn Ground
Roof 
Metal
Waterfront 
Yes
Waterfront Features 
Waterfront
Windows/Doors 
Double Pane WindowsWindow Treatments
Community Features
Association Fee 
$5000.0
Association Fee Frequency 
Quarterly
Community Features 
Pool
MLS Area 
27 - Bay County
Schools
School District
Unknown
Elementary School
Breakfast Point
Middle School
Breakfast Point
High School
Arnold
Listing courtesy of Beth L Mulvey of Beach House Sales and Development



Listing information is provided by Participants of the Emerald Coast Association of Realtors MLS. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Copyright 2026, Emerald Coast Association of Realtors MLS.
Last checked: 2026-11-04 08:31 PM UTC

Neighborhood & Commute
Source: Walkscore
Save
Ask
Tour
Hide
Share