8515 Surf Drive 3 Panama City Beach, FL 32408
Listing Courtesy of: CENTRAL PANHANDLE / Listed By: Beach House Sales And Development

  8515 Surf Drive 3 Panama City Beach, FL 32408

Active (33 Days)
$1,525,000 (USD)
4
BED
3
BATH
2,464
SQFT

Description

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.

MLS #:
797180
Taxes
$13,398(2025)
Type
Condo
Year Built
2001
Style
Low Rise
Views
Gulf, Water
County
Bay County
Community
Bel Air Beach Condo

Listed By

Beth Mulvey, Beach House Sales And Development
Source
CENTRAL PANHANDLE
Last checked Nov 6 2026 at 9:42 PM GMT+0000
Bathroom Details
  • Full Bathrooms: 3
Interior Features
  • Smart Home
  • Electric Cooktop
  • Gas Water Heater
  • Ice Maker
  • Plumbed for Ice Maker
  • Tankless Water Heater
  • Windows: Double Pane Windows
  • Instant Hot Water
  • Main Level Primary
  • Separate Shower
  • Double Vanity
  • Jetted Tub
  • Balcony
Subdivision
  • Bel Air Beach Condo
Lot Information
  • Paved
Property Features
  • Fireplace: Gas
  • Foundation: Pillar/Post/Pier
Heating and Cooling
  • Electric
  • Central
  • Fireplace(s)
  • Ceiling Fan(s)
  • Central Air
Pool Information
  • Fenced
  • Community
  • Gunite
  • In Ground
  • Gas Heat
Homeowners Association Information
  • Dues: $5000/Quarterly
Flooring
  • Vinyl
  • Plank
Utility Information
  • Utilities: Electricity Available, Phone Connected
  • Sewer: Public Sewer
School Information
  • Elementary School: Breakfast Point
  • Middle School: Breakfast Point
  • High School: Arnold
Parking
  • Paved
  • Additional Parking
  • Gravel
Stories
  • 3
Location
   
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Estimated Monthly Mortgage Payment

*Based on Fixed Interest Rate withe a 30 year term, principal and interest only

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Disclaimer: Copyright 2026 Central Panhandle MLS. All rights reserved. This information is deemed reliable, but not guaranteed. The information being provided is for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated 11/6/26 13:42