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$1,525,000
2 Days On Site

8515 Surf Drive 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 Mulvey of Beach House Sales and Development
Call Now: (850) 296-7204
Is this the listing for you? We can help make it yours.
(850) 296-7204
8515 Surf Drive 38515 Surf Drive 38515 Surf Drive 38515 Surf Drive 3
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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.

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Listing Snapshot
Price 
$1,525,000
Days On Site 
2 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 
797180
Status 
Active
Property Tax 
$13,398
HOA/Condo/Coop Fees 
$1,666.67 monthly
Sq Ft Source 
Appraiser
Friends & Family
Recent Activity
2 days agoListing updated with changes from the MLS
2 days agoStatus changed to Active
3 days agoListing first seen on site
General Features
Foundation 
Pillar/Post/Pier
Land Lease 
No
Levels 
Three Or More
Number Of Stories 
3
Parking 
Additional ParkingGravelPaved
Property Sub Type 
Condominium
Security 
Smoke Detector(s)Carbon Monoxide Detector(s)Fire Sprinkler SystemSecurity FenceSecurity LightsFire Alarm
Sewer 
Public Sewer
SqFt Total 
2464
Style 
LowRise
Utilities 
Electricity AvailablePhone Connected
Zoning 
Resid Multi-Family
Interior Features
Appliances 
Electric CooktopGas Water HeaterIce MakerPlumbed For Ice MakerTankless Water HeaterInstant Hot Water
Cooling 
Central AirCeiling Fan(s)
Fireplace 
Yes
Fireplace Features 
Gas
Flooring 
Vinyl
Heating 
CentralElectricFireplace(s)
Interior 
Double VanitySmart Home
Window Features 
Double Pane Windows
Bedroom 
Dimensions - 16 x 15Level - First
Dining Room 
Dimensions - 13 x 8Level - First
Kitchen 
Dimensions - 15 x 12Level - First
Living Room 
Dimensions - 20 x 16Level - First
Patio 
Dimensions - 56 x 14Level - First
PrimaryBedroom 
Dimensions - 17 x 15Level - First
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Exterior Features
Construction Details 
HardiPlank TypeMetal SidingFrame
Exterior 
BalconyOutdoor Shower
Fencing 
Partial
Lot Features 
PavedWaterfront
Other Structures 
OutbuildingOther
Patio And Porch 
PatioDeckCoveredPorch
Pool Features 
FencedGuniteGas HeatIn GroundCommunity
View 
Water
Waterfront 
Yes
Waterview 
Water
Windows/Doors 
Double Pane Windows
Community Features
Association Amenities 
ManagementPoolBeach RightsPicnic AreaInsuranceMaintenance GroundsMaintenance Structure
Association Fee 
$5000.0
Association Fee Frequency 
Quarterly
Community Features 
PoolPark
MLS Area 
03 - Bay County - Beach
Schools
School District
Unknown
Elementary School
Breakfast Point
Middle School
Breakfast Point
High School
Arnold
Listing courtesy of Beth Mulvey of Beach House Sales and Development



Listing information is provided by Participants of the Central Panhandle 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, Central Panhandle Association of REALTORS MLS.
Last checked: 2026-11-04 11:24 PM UTC

Neighborhood & Commute
Source: Walkscore
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