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8515 Surf Drive 1, Panama City Beach, FL 32408 (MLS# 993321)

8515 Surf Drive 1, Panama City Beach, FL 32408

$1,450,000
Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,464 Status: Active
Current Price: $1,450,000 List Date: 1/21/2026 Last Modified: 3/26/2026

Description

Experience luxury beachfront living at its finest. This Gulf-front penthouse boasts over $100K in upgrades, including new flooring, fresh bedroom paint, upgraded appliances, new cabinet doors, a fully redone master bath, and a tankless hot water system. With breathtaking panoramic Gulf views, four spacious bedrooms, expansive living areas, and a massive beachfront balcony, this turnkey penthouse delivers unmatched elegance and value. A rare opportunity to own a fully upgraded coastal retreat with private beach access and a pool. Turnkey vacation rental with $100K+ in vacation rental income! Schedule a tour today!

Supplements: A breathtaking Gulf-front penthouse with over $100,000 in upgradesan extraordinary opportunity for elevated coastal living. Welcome to White Sands Haven, a beautifully reimagined beachfront penthouse overlooking the brilliant waters and white-sand shoreline of Panama City Beach. Positioned directly on the Gulf, this spacious residence combines premium renovations, expansive interior living, and uninterrupted water views at every turn. Designed for relaxation, gathering, and unforgettable moments, this home blends elegance with true coastal luxury. $100K+ in Upgrades; Elegant, Modern, Turnkey: This penthouse has undergone a full enhancement with thoughtful, high-value improvements that elevate both beauty and function: New upgraded flooring throughout the bedrooms; Bedrooms professionally repainted; Updated appliance package; Brand-new cabinet doors creating a crisp, refreshed kitchen aesthetic; Completely redesigned master bathroom with modern finishes; and a Tankless hot water system for efficiency and continuous comfort. These upgrades give the home a polished, contemporary feelideal for personal enjoyment or as a premium rental investment. Stunning Gulf-Front Views From Every Angle: This penthouse delivers truly exceptional vistas. The wide beachfront balcony stretches across the living room and multiple bedrooms, offering uninterrupted views of emerald waters and the sweeping horizon. Morning light pours in, sunsets glow across the sky, and the sound of the surf sets a perfect backdrop day and night. Locations with views like this are rarely available. Expansive Living Designed for Comfort & Style: The open-concept main living area provides generous space for both gatherings and quiet relaxation: * Large living room with two comfortable couches and a Smart TV Dining table seating 10, ideal for shared meals; * Fully equipped kitchen with breakfast bar, fridge/freezer (ice maker), microwave, pantry, coffee maker, cookware, and essentials; and * Extensive beachfront balcony with elegant patio furniture for sunrise coffees and evening outdoor meals. The flow of the space maximizes views, light, and ease of living. Accommodations for Groups & Families: Sleeping up to 12 guests, this penthouse offers versatile and comfortable arrangements: * Bedroom 1 (Primary Suite): King bed, TV, Gorgeously updated ensuite bathroom, Walk-in closet, Direct balcony access with Gulf views. * Bedroom 2: King bed, TV, Ensuite bathroom. * Bedroom 3: Two full-size beds, TV. * Bedroom 4: Queen bed, Twin day bed with trundle, Smart layout for children, teens, or additional guests. * Three full bathrooms provide excellent convenience for families or large groups. Beachfront Amenities & Coastal Lifestyle: This penthouse offers the best elements of beachfront living: * Private beach access directly from the building; * Gulf-front pool with stunning water views; * Parking for three vehicles; and * A beautifully maintained beachfront environment with immediate access to sand and shoreline walks. Everything is designed for effortless enjoyment of the coast. Activities & Local Experiences nearby include: St. Andrews State Park; Wildlife watching, Snorkeling, Paddleboarding, Hiking and biking, Water Adventures, Dolphin tours, Jet ski rentals, and Snorkeling trips. Dining & Entertainment: A wide array of restaurants, cafés, and coastal eateries are within easy access, offering everything from casual meals to upscale dining. The Ultimate Gulf-Front Penthouse: Fully Updated & Move-In Ready, with over $100K in upgrades, spacious interiors, four large bedrooms, a redesigned primary suite, tankless hot water, and sweeping Gulf views from the penthouse level, this residence offers a rare combination of luxury, practicality, and immediate enjoyment. Whether used as a personal escape, a high-performing investment property, or a combination of both, White Sands Haven stands out as a premier offering in Panama City Beach.

More Information MLS# 993321

Contract Info

Listing Board: Emerald Coast List Price/SqFt: 588.47 List Date: 2026-01-20 Current Price: $1,450,000 List Price: $1,450,000

Location, Tax and Legal

Unit #: 1 Sub Area: 2723 - Beach - South of Grand Lagoon Elementary School: Breakfast Point Middle School: Breakfast Point High School: Arnold Legal Description: Condominium Parcel: Building ''I'', Unit Number: 1, Bel Air Beach Condominium, as per the Declaration of Condominium thereof, recorded in Official Records Book 2037, Page 1646.

General Property Info

Sub-Type: Condominium Design: N/A SqFt Source: County PA Records Stories In Unit: 1 # of Units in Bldg: 3 Stories in Building: 3 Unit Floors Above Ground: 3 Immediate Occupancy: Yes Garage: Yes Carport: No Covered Spaces: 2 Driveway Spaces: 3 Assigned Spaces: 1 Pool: Yes Pool Type: Community Apx SqFt(Htd/Cooled): 2464 Bedrooms: 4 Full Baths: 3 Total Bathrooms: 3 Year Built: 2001 Garage Spaces: 2

Listing Info, Tax & Legal

Is Subject Leased: No Assessment Fees: Yes Assessment Amount: 5000 Annual Assessment Amount: 20000 Assessment Paid: Quarterly New Buyer Fee: No Brokerage Interest: No Interest As Is: No

Remarks & Misc

Remarks: Experience luxury beachfront living at its finest. This Gulf-front penthouse boasts over $100K in upgrades, including new flooring, fresh bedroom paint, upgraded appliances, new cabinet doors, a fully redone master bath, and a tankless hot water system. With breathtaking panoramic Gulf views, four spacious bedrooms, expansive living areas, and a massive beachfront balcony, this turnkey penthouse delivers unmatched elegance and value. A rare opportunity to own a fully upgraded coastal retreat with private beach access and a pool. Turnkey vacation rental with $100K+ in vacation rental income! Schedule a tour today!

Waterfront

Gulf: 1 Shore - Beach: 1 Unit Waterfront: 1

Construction Status

Construction Complete: 1

Parking Features

Garage: 1

Waterview

Gulf: 1

Project Facilities

Beach: 1 Fishing: 1 Pool: 1 Short Term Rental - Allowed: 1 Waterfront: 1

Construction/Siding

Foundation On Piling: 1 Foundation Stilts: 1 Roof Metal: 1 Siding CmntFbrHrdBrd: 1

Utilities

Electric: 1 Gas - Natural: 1 Public Sewer: 1 Public Water: 1 TV Cable: 1

Exterior

Balcony: 1 Deck Covered: 1 Deck Open: 1 Pool - In-Ground: 1

Interior

Breakfast Bar: 1 Ceiling Crwn Molding: 1 Elevator: 1 Fireplace: 1 Kitchen Island: 1 Lighting Recessed: 1 Pantry: 1

Appliances

Cooktop: 1 Disposal: 1 Dryer: 1 Range Hood: 1 Refrigerator: 1 Smoke Detector: 1 Washer: 1

Energy

AC - Central Elect: 1 Heat Cntrl Electric: 1 Water Heater - Tnkls: 1

Mstr Bdrm/Mstr Bath

MBath Double Vanity: 1 MBath Garden Tub: 1 MBath Separate Shwr: 1 MBed Balcony: 1

Master Bedroom

First: 1

Bedroom

First: 1

Kitchen

First: 1

Living Room

First: 1

Rooms

Bedroom: 1 Dining Area: 1 Kitchen: 1 Living Room: 1 Master Bedroom: 1

Status Change Info

Status: Active

Location Tax and Legal

Area: 27 - Bay County Street #: 8515 Street Name: Surf Street Suffix: Drive State: FL Zip Code: 32408 County: Bay Project Name/Subdivision: Bel Air Beach Condo Parcel ID: 30416-001-000

Property Features

Construction Status: Construction Complete Waterfront: Gulf; Shore - Beach; Unit Waterfront Waterview: Gulf Parking Features: Garage Project Facilities: Beach; Fishing; Pool; Short Term Rental - Allowed; Waterfront Exterior: Balcony; Deck Covered; Deck Open; Pool - In-Ground Interior: Breakfast Bar; Ceiling Crwn Molding; Elevator; Fireplace; Kitchen Island; Lighting Recessed; Pantry Appliances: Cooktop; Disposal; Dryer; Range Hood; Refrigerator; Smoke Detector; Washer Utilities: Electric; Gas - Natural; Public Sewer; Public Water; TV Cable Energy: AC - Central Elect; Heat Cntrl Electric; Water Heater - Tnkls Master Bedroom: First Bedroom: First Kitchen: First Living Room: First Rooms: Bedroom; Dining Area; Kitchen; Living Room; Master Bedroom

Room Information

Master Bedroom Level: First Dimensions: 17 x 15 Length: 17.00 Width: 15.00 Dimensions: 17 x 15 Bedroom Level: First Dimensions: 16 x 16 Length: 16.00 Width: 16.00 Dimensions: 16 x 16 Bedroom Level: First Dimensions: 16 x 16 Length: 16.00 Width: 16.00 Dimensions: 16 x 16 Bedroom Level: First Dimensions: 15 x 11 Length: 15.00 Width: 11.00 Dimensions: 15 x 11 Kitchen Level: First Dimensions: 15 x 12 Length: 15.00 Width: 12.00 Dimensions: 15 x 12 Dining Area Level: First Dimensions: 13 x 8 Length: 13.00 Width: 8.00 Dimensions: 13 x 8 Living Room Level: First Dimensions: 20 x 16 Length: 20.00 Width: 16.00 Dimensions: 20 x 16
Listing Office: EXP Realty LLC
Listing Agent: John O'Hanlan
Last Updated: March - 26 - 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.