$4,500,000
Panama City, FL 32408
MLS# 977364
7 beds | 9 baths | 4715 sqft
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Property Description
7 bedroom, 8.5 bath Gulf-front beach house in Panama City Beach with a heated private pool, parking for up to 9 vehicles, and no HOA restrictions. Built in 2025 and offered fully furnished, the home combines direct beachfront living, large gathering spaces, and high-end finishes for buyers seeking a luxury second home, private retreat, or income-producing property. The property has more than $200,000 already booked for 2026 and is projected to generate up to $400,000 annually. The main living area features an approximately 30 x 30 open layout designed for large groups, with Gulf views from nearly every angle. The chef's kitchen is centered around a 10 x 5 island with granite slabs imported from Brazil, dual refrigerators, wraparound seating, and a 75-inch wall-mounted TV.
Details
General Property Info
Sub-Type: Detached Single Family
Design: Beach House
SqFt Source: Building Plan
Immediate Occupancy: Yes
Garage: No
Carport: No
Driveway Spaces: 9
Pool: Yes
Pool Type: Private
Apx SqFt(Htd/Cooled): 4715
Bedrooms: 7
Full Baths: 8
Half Baths: 1
Total Bathrooms: 9
# Stories: 4
Year Built: 2025
Acreage: 0.28
Contract Info
Listing Board: Emerald Coast
List Price/SqFt: 954.4
List Date: 2025-05-27
Current Price: $4,500,000
List Price: $4,500,000
Location, Tax and Legal
Sub Area: 2723 - Beach - South of Grand Lagoon
Elementary School: Breakfast Point
Middle School: Breakfast Point
High School: Arnold
Legal Description: See docs tab for full details.
6 4S 15W -8- 58B3 COM AT THE NW COR OF NE1/4 OF SW1/4 TH RUN S 1023.35' TH S54 DEG E 194.42' FOR POB TH RUN N35 DEG E 131.92' TO THE SLY R/W LINE OF SURF DR TH RUN S51 DEG E ALONG SAID R/W LINE 35.95' TH S52 DEG E 14.05' TH S35 DEG W 5' N51 DEG W 14.05' S35 DEG W 328.65' TO THE MEAN HIGH WATER LINE TH RUN N59 DEG W ALONG SAID MHWL 36.23' TH RUN N35
Listing Info, Tax & Legal
Homestead: No
Is Subject Leased: No
Assessment Fees: No
New Buyer Fee: No
New Buyer Fee Amt: 0
New Buyer Fee Paid: $
Last Taxes: 14820
Last Tax Year: 2024
Brokerage Interest: No Interest
As Is: No
Remarks & Misc
Remarks: 7 bedroom, 8.5 bath Gulf-front beach house in Panama City Beach with a heated private pool, parking for up to 9 vehicles, and no HOA restrictions. Built in 2025 and offered fully furnished, the home combines direct beachfront living, large gathering spaces, and high-end finishes for buyers seeking a luxury second home, private retreat, or income-producing property. The property has more than $200,000 already booked for 2026 and is projected to generate up to $400,000 annually.
The main living area features an approximately 30 x 30 open layout designed for large groups, with Gulf views from nearly every angle. The chef's kitchen is centered around a 10 x 5 island with granite slabs imported from Brazil, dual refrigerators, wraparound seating, and a 75-inch wall-mounted TV.
Waterfront
Gulf: 1
Waterfront Feet: 36
Construction Status
Construction Complete: 1
Lot/Parcel Access
County Road: 1
Paved Road: 1
Lot Features
Dead End: 1
Flood Insurance Req: 1
Survey Available: 1
Construction/Siding
Concrete: 1
Foundation On Piling: 1
Frame: 1
Roof Metal: 1
Siding CmntFbrHrdBrd: 1
Utilities
Electric: 1
Gas - Natural: 1
Public Sewer: 1
Public Water: 1
TV Cable: 1
Zoning
Resid Single Family: 1
Exterior
Balcony: 1
Columns: 1
Deck Covered: 1
Deck Open: 1
Patio Covered: 1
Pool - Gunite Concrt: 1
Pool - In-Ground: 1
Interior
Breakfast Bar: 1
Ceiling Cathedral: 1
Ceiling Crwn Molding: 1
Floor Tile: 1
Furnished - All: 1
Kitchen Island: 1
Newly Painted: 1
Owner's Closet: 1
Pantry: 1
Window Bay: 1
Window Treatment All: 1
Financing
Conventional: 1
Appliances
Dishwasher: 1
Disposal: 1
Dryer: 1
Fire Alarm/Sprinkler: 1
Microwave: 1
Range Hood: 1
Refrigerator: 1
Smoke Detector: 1
Stove/Oven Gas: 1
Washer: 1
Energy
AC - 2 or More: 1
AC - Central Elect: 1
Ceiling Fans: 1
Heat Cntrl Electric: 1
Storm Windows: 1
Water Heater - Elect: 1
Mstr Bdrm/Mstr Bath
MBath Double Vanity: 1
MBath Separate Shwr: 1
MBath Tile: 1
MBed Balcony: 1
MBed Walk-in Closet: 1
Master Bedroom
Fourth: 1
Bedroom
Second: 1
Third: 1
Fourth: 1
Kitchen
Second: 1
Rooms
Bedroom: 1
Bonus Room: 1
Den: 1
Kitchen: 1
Master Bedroom: 1
Storage: 1
Status Change Info
Status: Active
Location Tax and Legal
Area: 27 - Bay County
Street #: 8711
Street Name: Surf
Street Suffix: Drive
State: FL
Zip Code: 32408
County: Bay
Project Name/Subdivision: No Named Subdivision
Parcel ID: 30195-000-000
Property Features
Construction Status: Construction Complete
Lot Features: Dead End; Flood Insurance Req; Survey Available
Zoning: Resid Single Family
Waterfront: Gulf
Exterior: Balcony; Columns; Deck Covered; Deck Open; Patio Covered; Pool - Gunite Concrt; Pool - In-Ground
Interior: Breakfast Bar; Ceiling Cathedral; Ceiling Crwn Molding; Floor Tile; Furnished - All; Kitchen Island; Newly Painted; Owner's Closet; Pantry; Window Bay; Window Treatment All
Appliances: Dishwasher; Disposal; Dryer; Fire Alarm/Sprinkler; Microwave; Range Hood; Refrigerator; Smoke Detector; Stove/Oven Gas; Washer
Utilities: Electric; Gas - Natural; Public Sewer; Public Water; TV Cable
Energy: AC - 2 or More; AC - Central Elect; Ceiling Fans; Heat Cntrl Electric; Storm Windows; Water Heater - Elect
Master Bedroom: Fourth
Bedroom: Second; Third; Fourth
Kitchen: Second
Rooms: Bedroom; Bonus Room; Den; Kitchen; Master Bedroom; Storage
Financing: Conventional
Supplements
The home also includes 12 smart TVs, a 412-game arcade console, and a third-floor entertainment lounge with space for movie nights, games, a pool table, or air hockey. The primary suite includes 16-foot ceilings, chapel windows overlooking the Gulf, and a private lounge area with a coffee and wine bar.
Freshly styled with more than $150,000 in designer furnishings, accessories, and custom window treatments, the home delivers a turnkey Gulf-front experience. Hurricane-impact windows, a 10-foot sliding glass door, and triple-pane Therma-Tru doors are designed to capture the views while adding protection from coastal weather. A commercial-grade fire suppression system with 24-hour monitoring adds another layer of safety throughout the home and outdoor spaces.
Outdoor living is a major feature, with an approximately 30 x 25 beachfront deck overlooking a heated 12 x 23 Gulf-front pool with an 8 x 6 sun shelf and two heaters. A powder-coated aluminum safety fence helps secure the pool area without blocking the Gulf view, and reinforced balcony railings provide added peace of mind. The lot extends all the way to the wet sand, creating a rare stretch of usable beachfront directly behind the home. There is also room for jet skis and other beach gear.
Seller states this is the first beachfront home on Panama City Beach built on 12 x 12 concrete pilings driven 20 feet deep rather than traditional wood pilings. The exterior also features Hardie Board siding secured with stainless screws and a rust-resistant aluminum roof designed to last 30 years or more. Located minutes from Pier Park and near the soon-to-open Tootsies, Top Golf, and Dolly Parton's Pirates Voyage. Buyer to verify all dimensions, bookings, income projections, and future development timelines.
Room Information
| Room Name | Level | Dimensions | Length | Width |
| Bonus Room | First | 15 x 16 | 15.00 | 16.00 |
| Bedroom | Second | 11 x 12 | 11.00 | 12.00 |
| Bedroom | Second | 11 x 14 | 11.00 | 14.00 |
| Bedroom | Third | 12 x 14 | 12.00 | 14.00 |
| Bedroom | Third | 12 x 14 | 12.00 | 14.00 |
| Bedroom | Third | 12 x 15 | 12.00 | 15.00 |
| Bedroom | Fourth | 10 x 22 | 10.00 | 22.00 |
| Master Bedroom | Fourth | 17 x 29 | 17.00 | 29.00 |
| Kitchen | Second | 14 x 24 | 14.00 | 24.00 |
| Den | Second | 14 x 21 | 14.00 | 21.00 |
| Den | Third | 11 x 21 | 11.00 | 21.00 |
| Storage | First | 10 x 10 | 10.00 | 10.00 |
Listing Office: Compass
Last Updated: May - 31 - 2026
All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2026 and is owned either by the Emerald Coast Association of REALTORS®, Inc or by the developers of the software, FBS, Inc. All rights reserved.
