8221 Surf DR Panama City, FL 32408

An exceptional Gulf-front investment opportunity where luxury meets income potential. With more than $330,000 in proven rental income in 2025. This stunning coastal property features four beautifully appointed two-bedroom units, offering a total of 8 bedrooms and 8 full bathrooms, all thoughtfully designed to maximize comfort, style, and revenue.

Perfectly positioned directly on the Gulf, the property showcases breathtaking Panama City Beach sunsets and uninterrupted water views from private balconies for every unit, creating an unforgettable experience for guests and owners alike. A Gulf-front pool provides the ultimate setting for relaxation, while the pristine white sand beach is just steps away.

Inside, each residence is finished with upscale coastal touches, including gorgeous white oak luxury vinyl plank flooring, open-concept kitchens, and striking shiplap ceilings that enhance the bright, airy atmosphere throughout. The layout of each unit is designed for both functionality and entertaining, making it ideal for short-term rentals or multi-family use.

On the ground level, covered parking beneath the home offers both convenience and additional entertainment space, complete with grilling areas, tables, games, and gathering spots--perfect for hosting guests and creating memorable beachside experiences.

With rental projections reaching as high as $385,000 per year, this property presents a rare opportunity to own a premier Gulf-front income-producing asset in one of Panama City Beach's most desirable locations.

Whether you're expanding your portfolio or seeking a luxury coastal retreat with exceptional returns, this one-of-a-kind property delivers the perfect blend of location, lifestyle, and long-term value.