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8817 S Thomas Dr, Panama City Beach, FL 32401 · Bay County, Florida
Records checked against state databases: October 12, 2026 · auto-refreshed weeklyWe found a SIRS filing matching this building's name in DBPR's public SIRS reporting database (submitted before July 2025), as retrieved October 12, 2026. The state's list only shows that a filing was made, not what the study found or how well the reserves are funded. Records are matched by name and county; verify details against the official database.
| Official condominium name | TOP OF THE GULF, UNIT I |
| DBPR project number | PR1S002071 |
| Declared units | 199 |
| First recorded | 01/22/1975 |
| Registration status | Approved Recorded |
| Managing entity | TOP OF THE GULF CONDO ASSOC. |
| Filed as | TOP OF THE GULF (PANAMA CITY BEACH) — before July 2025 |
Yes. As of October 12, 2026, we found a SIRS filing matching Top of the Gulf, Unit I in the Florida DBPR's public SIRS reporting database. Matches are made by name and county, so confirm the details with the association or in the official database.
FEMA's flood map places Top of the Gulf, Unit I in zone AE, a high-risk Special Flood Hazard Area, where lenders typically require flood insurance. The zone is matched to the building's mapped location; an elevation certificate or FEMA's Flood Map Service Center can confirm it for a specific unit.
The Florida condominium registry lists 199 declared units for Top of the Gulf, Unit I, first recorded on 01/22/1975.
Florida requires a milestone inspection of condominium buildings three habitable stories or more by December 31 of the year a building turns 30 (25 where the local building department requires it), then every 10 years. The condominium declaration for Top of the Gulf, Unit I was first recorded in 1975, so if its buildings are three or more stories they reached the 30-year mark around 2005. The building itself can be older, for example after an apartment conversion. The association must give owners the inspector's summary, and a seller must give it to a buyer.
The Florida DBPR registry lists The Top of Gulf Condo Assoc. as the managing entity. Florida generally requires associations managing 25 or more units to post key documents, including budgets, financial reports, minutes and inspection reports, on a website or app.
Everything this page can't show you, in one PDF: five years of the association's state fee payments and whether the state lists it as delinquent, a plain-English bottom line with green flags and open questions, exactly who holds this building's milestone inspection records plus a ready-to-send records-request letter, and what it all means for a purchase, listing, or loan file — with a due-diligence checklist.
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