Affordable Panama City Beach condo with boating access, beach access, and short-term rental potential! This fully furnished, turnkey studio at Plazas of St. Thomas offers a unique combination of beach and boating lifestyle in Panama City Beach, Florida. The unit features a King bed, kitchenette, full bath, coastal d cor, and a large closet with additional storage. Owners and tenants can enjoy on-site boat docking and boat-trailer parking on a first-come, first-served basis, with the community lagoon providing water access to the bay and Gulf. Community amenities include Security Code-Gated Entry, in-ground swimming pool, sauna, clubhouse, fire pit, secured open parking, and boat dock. Conveniently located near Panama City Beach restaurants, shopping, entertainment, and just a short walk to Public Beach Access 24 and the white-sand beaches of the Gulf. Whether you're looking for an affordable PCB vacation property, second home, short-term rental investment, or coastal getaway with boat access, this furnished condo offers a compelling opportunity to own in Panama City Beach.