$1,525,000

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… Read More 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. Read Less

Courtesy of Beth L Mulvey Beach House Sales and Development

Listing Snapshot

Days Online

Last Updated

Nov 6, 2026

Property Type

Condominium

Beds

Full Baths

Square Ft.

2,464

Year Built

2001

MLS Number

1014835

Additional Details

Appliances & Equipment

Cooktop, Disposal, Dryer, Freezer, Microwave, Oven Double, Refrigerator, Smoke Detector, Smooth Stovetop Rnge, Washer, Water Heater - Gas, Water Heater - Tnkls

Building

Built in 2001, Living area: 2464.0, 3 stories, Construction Materials: Frame, Siding Alum Metal, Siding CmntFbrHrdBrd

Community

Beach, Elevators, Picnic Area, Pool, Separate Storage, Waterfront

Cooling

Ceiling Fans, Central Air

Exterior Features

Patio/Porch Features: Deck Covered, Porch, Balcony, Shower

Fence

Fenced Lot-Part

Fireplaces

Fireplace Gas, Fireplace

Floors

Floor Tile, Floor Vinyl

Foundation

Foundation On Piling

Heating

Central

Home Owner's Association

Association Fee: $5,000, Fee Frequency: Quarterly, Fee Includes: Accounting, Ground Keeping, Insurance, Management, Master Association, Recreational Faclty, Repairs/Maintenance

Interior Features

Breakfast Bar, Ceiling Crwn Molding, Elevator, Washer/Dryer Hookup

Parking

2 carport spaces, 2 total parking spaces, Carport Attached, Covered

Pool

Pool - Heated, Pool - In-Ground, Pool Type

Property

Renovated, Construction Complete, Gulf

Security Features

Fire Alarm/Sprinkler

Sewer

Public Sewer

Taxes

Parcel Number: 30416-003-000, Annual Amount: $13,398, Legal Description: Bel Air Beach Condobldg 1 Unit 3 (1st Flr)Orb 3271 P 1059, Year: 2025

Utilities

Electric, Gas - Natural, Phone, Public Water, TV Cable

Water Features

Unit Waterfront, Gulf, Shore - Beach

Windows

Window Treatmnt Some, Double Pane Windows

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