8711 Surf Drive, Panama City, FL 32408

$4,500,000
Property Type: Residential Bedrooms: 7 Baths: 9 Square Footage: 4,715 Lot Size (sq. ft.): 12,197 Status: Active
Current Price: $4,500,000 List Date: 10/09/2025 Last Modified: 4/18/2026

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.

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.

More Information MLS# 977364

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

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

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

Room Information

Bonus Room Level: First Dimensions: 15 x 16 Length: 15.00 Width: 16.00 Dimensions: 15 x 16 Bedroom Level: Second Dimensions: 11 x 12 Length: 11.00 Width: 12.00 Dimensions: 11 x 12 Bedroom Level: Second Dimensions: 11 x 14 Length: 11.00 Width: 14.00 Dimensions: 11 x 14 Bedroom Level: Third Dimensions: 12 x 14 Length: 12.00 Width: 14.00 Dimensions: 12 x 14 Bedroom Level: Third Dimensions: 12 x 14 Length: 12.00 Width: 14.00 Dimensions: 12 x 14 Bedroom Level: Third Dimensions: 12 x 15 Length: 12.00 Width: 15.00 Dimensions: 12 x 15 Bedroom Level: Fourth Dimensions: 10 x 22 Length: 10.00 Width: 22.00 Dimensions: 10 x 22 Master Bedroom Level: Fourth Dimensions: 17 x 29 Length: 17.00 Width: 29.00 Dimensions: 17 x 29 Kitchen Level: Second Dimensions: 14 x 24 Length: 14.00 Width: 24.00 Dimensions: 14 x 24 Den Level: Second Dimensions: 14 x 21 Length: 14.00 Width: 21.00 Dimensions: 14 x 21 Den Level: Third Dimensions: 11 x 21 Length: 11.00 Width: 21.00 Dimensions: 11 x 21 Storage Level: First Dimensions: 10 x 10 Length: 10.00 Width: 10.00 Dimensions: 10 x 10
Listing Office: Compass
Last Updated: April - 18 - 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.