Updated July 22, 2026
8711 Surf Drive is currently offered for $4,350,000. This furnished Gulf-front home in the Lower Grand Lagoon area of Panama City Beach combines 2025 construction, seven bedrooms, eight full bathrooms, one half bathroom, approximately 4,715 square feet, a heated private pool, direct beach frontage, and parking for up to nine vehicles.
For buyers considering a luxury beach house, second home, or vacation-rental property, the home stands out because it brings together Gulf frontage, newer construction, private outdoor living, a large bedroom count, and entertainment spaces designed for groups.
View the current 8711 Surf Drive listing, price, and complete photo gallery.
8711 Surf Drive Property Snapshot
- Address: 8711 Surf Drive, Panama City Beach, Florida 32408
- Current asking price: $4,350,000
- Bedrooms: 7
- Bathrooms: 8 full bathrooms and 1 half bathroom
- Living area: Approximately 4,715 square feet
- Year built: 2025
- Location: Gulf-front in the Lower Grand Lagoon area
- Outdoor features: Heated private pool, beachfront deck, Gulf views, and direct beach access
- Parking: Space for up to nine vehicles, according to the listing
- HOA: The current listing states there are no HOA restrictions
- Furnishings: Offered furnished according to the current property information
Price, availability, property details, bookings, and projected rental figures can change. Buyers should verify all information before making a purchasing decision.
What Makes This Gulf-Front Home Stand Out?
The most important feature is the complete package. Many Panama City Beach properties offer a Gulf view, extra bedrooms, rental potential, or a private pool. Fewer combine all of those features in a newer, detached Gulf-front home.
The seven-bedroom layout provides space for family, friends, and vacation guests, while the large gathering areas allow people to spend time together without making the home feel cramped. The property also offers something many large beach houses struggle with: parking for multiple vehicles.
Open Living and Kitchen Space for Large Gatherings
According to the listing, the main living area measures approximately 30 by 30 feet and is designed around Gulf views and group gatherings. The open layout connects the seating area, dining space, and kitchen, making it easier for owners and guests to spend time together.
The kitchen includes a large island measuring approximately 10 by 5 feet, wraparound seating, dual refrigerators, and granite slabs the listing states were imported from Brazil. These are practical features in a seven-bedroom home where preparing meals and seating a large group can be part of everyday use.
Private Pool and Gulf-Front Outdoor Living
The outdoor area is one of the home’s strongest selling points. The listing describes an approximately 30-by-25-foot beachfront deck overlooking a heated pool measuring approximately 12 by 23 feet. The pool also includes an approximately 8-by-6-foot sun shelf and two heaters.
A covered lounge area provides shade and protection from the elements while keeping the beach and Gulf within view. Owners and guests can move between the house, lounge, pool, deck, and beach without relying on shared resort facilities.
Primary Suite and Entertainment Areas
The Gulf-facing primary suite is described as having 16-foot ceilings, chapel-style windows, a private sitting area, and a coffee and wine bar. Large windows and glass doors keep the water visible from inside the suite.
Other entertainment features listed for the property include multiple smart televisions, a 412-game arcade console, and a third-floor lounge that can accommodate movies, games, a pool table, or air hockey. These spaces may appeal to private owners who frequently host family and friends as well as buyers evaluating the guest experience of a vacation rental.
Rental Potential: Review the Numbers Carefully
The current listing states that the property has more than $200,000 in 2026 bookings and projects potential annual gross rental revenue of up to $400,000. These figures can attract attention, but projected income is not guaranteed and should never be evaluated separately from operating expenses.
Before relying on any rental projection, buyers should request and review:
- Documentation supporting existing bookings
- Booking dates, rates, deposits, and cancellation terms
- Gross rental revenue versus net owner income
- Rental-management and platform fees
- Cleaning, maintenance, utilities, and supply expenses
- Pool heating and pool-maintenance costs
- Property, wind, flood, and liability insurance
- Property taxes and applicable lodging taxes
- Repairs and replacement reserves
- Owner-use restrictions connected to existing reservations
- Required licenses, registrations, inspections, and occupancy limits
A strong gross-rental projection does not automatically produce a strong net return. Buyers should model conservative, expected, and higher-performing scenarios before deciding whether the property fits their investment goals. For a broader explanation, read Is Panama City Beach a Good Place to Buy Investment Property?
No HOA Does Not Mean No Rental Rules
The listing states that 8711 Surf Drive has no HOA restrictions. That may provide more flexibility than a condominium or HOA-controlled community, but buyers still need to examine title documents, deed restrictions, zoning, insurance requirements, occupancy limits, licensing, taxes, fire-safety requirements, and other government regulations.
A Panama City Beach mailing address does not by itself determine which local rental regulations apply. Buyers should confirm whether the property falls within city limits or unincorporated Bay County and then review the appropriate requirements.
- City of Panama City Beach short-term rental information
- Bay County short-term vacation rental inspections
- Florida DBPR vacation-rental licensing guide
Rules and licensing requirements can change, so buyers should verify the requirements for this exact address before closing or accepting future reservations.
Construction Details Buyers Should Verify
Coastal buyers should examine structural and exterior components as closely as the finishes. According to the current listing, construction features include concrete pilings, Hardie Board siding secured with stainless-steel screws, an aluminum roof, hurricane-impact windows, triple-pane Therma-Tru doors, and a commercial fire-suppression system.
These are listing and seller representations, not substitutes for professional due diligence. Buyers should request permits, plans, engineering documentation, warranties, elevation information, insurance history, and appropriate inspections. A coastal-property inspection should pay particular attention to the roof, windows and doors, exterior fasteners, decks, pool equipment, HVAC systems, drainage, electrical systems, and evidence of salt-air exposure.
Lower Grand Lagoon and the Thomas Drive Area
8711 Surf Drive is in the Lower Grand Lagoon area near Thomas Drive. This part of Panama City Beach offers a different experience from the Pier Park corridor and the central high-rise condo district. The lifestyle is closely connected to the beach, Grand Lagoon, marinas, boating, fishing, restaurants, and St. Andrews State Park.
Buyers can explore the community, lifestyle information, and current inventory on the Lower Grand Lagoon real estate guide.
Beach House or Gulf-Front Condo?
Buyers at this level often compare detached Gulf-front homes with luxury condominiums. Neither option is automatically better; they offer different ownership experiences.
- A detached beach house may offer: Greater privacy, a private pool, more bedrooms, private outdoor living, additional parking, and more control over the property.
- A condominium may offer: Shared amenities, building management, common-area maintenance, security features, and a more lock-and-leave ownership experience.
- The beach-house tradeoff: The owner is directly responsible for the exterior, pool, equipment, insurance decisions, repairs, and ongoing coastal maintenance.
- The condominium tradeoff: Owners must consider association dues, rules, reserves, insurance structure, rental restrictions, and possible special assessments.
If you are comparing both property types, review current Panama City Beach condos for sale alongside Gulf-front homes.
Who Should Consider 8711 Surf Drive?
This property may be worth considering for buyers who want:
- A detached Gulf-front home in Panama City Beach
- Newer construction with a large bedroom count
- A private heated pool and beachfront deck
- Space for extended family or large groups
- A luxury second home with direct beach access
- Potential vacation-rental income
- More parking and privacy than many condominiums provide
- Proximity to Thomas Drive and Lower Grand Lagoon
It may not be the right fit for someone seeking a lower-maintenance condominium, a smaller lock-and-leave residence, or a lower-cost entry into the Panama City Beach market. A property of this size and location comes with substantial insurance, maintenance, management, and operating responsibilities.
Questions to Ask Before Making an Offer
- Can the seller document the existing 2026 reservations?
- Are the stated rental projections gross or net?
- Which furnishings and equipment are included in the sale?
- Can future reservations be transferred to a new owner?
- What are the current property, wind, flood, and liability insurance costs?
- What flood zone and elevation information is available?
- What permits and engineering documents support the construction details?
- What warranties remain on the home, roof, windows, doors, pool, and equipment?
- What are the average utility and pool-heating expenses?
- Which rental regulations and inspections apply to this exact address?
- Are there any deed restrictions, easements, open permits, or title concerns?
8711 Surf Drive FAQ
Is 8711 Surf Drive currently for sale?
Yes. As of July 22, 2026, the property is being offered for $4,350,000. Price and availability are subject to change, so check the current property page for the latest information.
How many bedrooms and bathrooms does the home have?
The current listing shows seven bedrooms, eight full bathrooms, and one half bathroom.
Is the property directly on the Gulf?
Yes. The home is marketed as Gulf-front, with direct beach frontage, Gulf-facing decks, and water views from multiple interior spaces.
Does 8711 Surf Drive have a private pool?
Yes. The listing describes a heated Gulf-front pool with a sun shelf and an adjoining beachfront deck.
Does the property have an HOA?
The current listing states there are no HOA restrictions. Buyers should still verify title documents, deed restrictions, zoning, licensing, insurance, occupancy, tax, and rental requirements.
Is rental income guaranteed?
No. Existing bookings and projected revenue should be documented and independently reviewed. Rental performance can be affected by rates, occupancy, cancellations, management, expenses, property condition, regulations, insurance, competition, and owner use.
How can I schedule a private showing?
Contact Roger Rietsema at 850-596-5844 or use the SellFL.net contact form to request current information or schedule a showing.
Want to Tour 8711 Surf Drive?
If you are considering this home or comparing it with other Gulf-front properties, I can help you review the listing details, rental documentation, ownership costs, local regulations, and competing options.
View all photos and current details for 8711 Surf Drive.
You can also search current Panama City Beach properties or contact me for a private showing.
Roger Rietsema, Realtor®
Allison James Estates & Homes
Panama City Beach & 30A Real Estate
850-596-5844
SellFL.net
All property information, dimensions, construction descriptions, furnishings, availability, pricing, reservations, income projections, expenses, rules, and licensing requirements are deemed reliable but are not guaranteed. Buyers should independently verify all information and complete appropriate inspections, insurance reviews, financial analysis, title review, and regulatory due diligence.
