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8515 Surf Drive, Unit UNIT 3
Panama City Beach, FL 32408

$1,525,000 - Status: Active
Bed Icon Beds: 4
Bath Icon Baths: 3 full
Sq Feet Icon SQFT (H&C): 2,464
MLS Icon MLS# 1014835

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. 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.

Property Features

MLS#: 1014835
Zip: 32408
Subdivision: Bel Air Beach Condo
Development: 27 - Bay County
Property Type: Residential - Condominium
Cooling: Ceiling Fans, Central Air
Fenced: Yes
Heating: Central
Home Style: N/A
Stories: 3.0
Taxes: $13,398
Year Built: 2001
SQFT (H&C): 2,464

Feature Descriptions

Appliances: Cooktop, Disposal, Dryer, Freezer, Microwave, Oven Double, Refrigerator, Smoke Detector, Smooth Stovetop Rnge, Washer, Water Heater - Gas, Water Heater - Tnkls
Association Fee Includes: $0
Carport Spaces: 2
Community Features: Beach, Elevators, Picnic Area, Pool, Separate Storage, Waterfront
Exterior: Frame, Siding Alum Metal, Siding CmntFbrHrdBrd
Exterior: Balcony, Shower
Fencing: Fenced Lot-Part
Financing Terms: Conventional, VA
Fireplace: Fireplace Gas, Fireplace
Fireplace Y/N: Yes
Flooring: Floor Tile, Floor Vinyl
Foundation: Foundation On Piling
HOA: Yes
Interior: Breakfast Bar, Ceiling Crwn Molding, Elevator, Washer/Dryer Hookup
Parcel Number: 30416-003-000
Parking: Carport Attached, Covered
Patio/Porch: Deck Covered, Porch
Pool Features: Pool - Heated, Pool - In-Ground, Pool Type
Property Condition: Renovated, Construction Complete
Rooms Total: 8
Sewer: Public Sewer
Special View Info: Gulf
Sub Type: Condominium
Utilities: Electric, Gas - Natural, Phone, Public Water, TV Cable
Waterfront: Unit Waterfront, Gulf, Shore - Beach
Window: Window Treatmnt Some, Double Pane Windows

Room Sizes

Primary Bedroom: 17 X 15 Level - First
Bedroom: 16 X 15 Level - First
Bedroom: 16 X 16 Level - First
Bedroom: 15 X 11 Level - First
Kitchen: 15 X 12 Level - First
Dining Room: 13 X 8 Level - First
Living Room: 20 X 16 Level - First
Balcony: 56 X 14 Level - First

Local Schools

High School: Arnold
Middle School: Breakfast Point
Elementary School: Breakfast Point

8515 Surf Drive, Unit UNIT 3 | MLS# 1014835

This condo located at 8515 Surf Drive, Unit UNIT 3, Panama City Beach, FL 32408 is currently listed for sale with an asking price of $1,525,000. This property was built in 2001 and has 4 bedrooms and 3 full baths with 2464 sq. ft. Surf Drive, Unit UNIT 3 is located in the Bel Air Beach Condo subdivision. Search Bel Air Beach Condo real estate on ksullivan.beachybeach.com today.

Listed By / Shown By

Listed By

Agency Name: Beach House Sales and Development

Shown By

Agent Name: Kelli Sullivan
Agent Phone: (850) 819-8246
Agency Title: Beachy Beach Real Estate

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Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated 11/04/2026. The listing information on this page last changed on 11/04/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Wed 11/04/2026 12:00:37 AM EST) or Emerald Coast MLS (last updated Tue 11/03/2026 11:55:31 PM EST) or Central Panhandle Association of Realtors (last updated Tue 11/03/2026 11:57:21 PM EST). Real estate listings held by brokerage firms other than Beachy Beach Real Estate may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.
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