Dunes of Panama A509 is a beachfront 2BR/2BA condo offering sweeping Gulf views and a relaxing coastal atmosphere. Wake up to the sound of waves, enjoy morning coffee on your private balcony, and spend your days on sugar-white sands just steps away. With resort-style pools, an on-site tiki bar, and easy access to top Panama City Beach attractions, this condo is the perfect blend of comfort, convenience, and beachside fun.

◆ Property Highlights

➥ Beachfront
➥ Pet Friendly
➥ Washer & Dryer – Provided for your convenience
➥ Three Pools – Including one heated pool (November 1st to April 30th)
➥ Tiki Bar & Deli (Stingrays) – Food, drinks, and live entertainment
➥ Pickleball & Tennis – On-site courts for active fun
➥ Shuffleboard & Beach Volleyball – Outdoor activities for all ages
➥ Fitness Center – On-site gym and exercise room
➥ Beachfront Picnic & Grill Areas – Perfect for Gulf-view meals
➥ High-Speed WiFi – Fast and reliable internet throughout the condo
➥ Bedroom 1 – King Bed + Ensuite Bathroom 
➥ Bedroom 2 – Two Full Beds 
➥ Living Room – Queen Sleeper Sofa

◆ Things to Do Near Dunes of Panama

Dunes of Panama is centrally located on the east end of Panama City Beach, offering easy access to some of the area’s most popular attractions. Just minutes away, guests can explore St. Andrews State Park for hiking, fishing, kayaking, and snorkeling, or take a shuttle to Shell Island for a secluded beach experience and dolphin sightings. Family-friendly attractions like mini golf, arcades, and water activities are nearby, along with shopping, dining, and entertainment at Pier Park.

◆ Dining Nearby

Several local favorites are just a short drive from the resort. Enjoy Gulf-front dining at Pineapple Willy’s or Schooners, fresh seafood at Firefly, or casual beachfront bites at Sharky’s. Whether you’re looking for sunset views, fresh Gulf seafood, or laid-back beach dining, you’ll find plenty of options close to the property.

◆ Pet Policy

➥ Pet Fee – $200 per pet (Limit of 2 unless otherwise approved)
➥ Weight Limit – 25lbs
➥ Restricted Breeds – Pit Bull, Doberman, Rottweiler, German Shepherd

Important: Pets must wear a current rabies tag when walking on the premises. Management reserves the right to request proof of vaccination in cases of aggressive behavior or if a pet bites another guest.

◆ Initial Supplies

UMB Vacations provides a starter set of essential items to help you settle in comfortably before your trip to the grocery store. These initial supplies include dishwasher detergent, a small packet of laundry detergent, and basic bathroom amenities (similar to hotel-size and not restocked), such as shampoo, conditioner, and a bar of soap. Each bathroom is stocked with one roll of toilet paper, and the kitchen includes one roll of paper towels. All bed linens and bath towels are provided for your stay. We recommend that guests bring their own beach towels for use at the pool and beach.

◆ Happy Stays Guest App

After booking, you will receive confirmation email with a link to your Guest Portal and a password/access code, where you’ll find all the important details about your stay: Payment details, check-in/out instructions, link to our support chat room, Interactive restaurant map and more.

◆ A UMB Vacations Rental Agreement & House Rules will be emailed shortly after booking.

The agreement must be reviewed and electronically signed prior to check-in. Door codes and arrival instructions will be sent between 3:30 PM and 4:00 PM on the scheduled arrival date once the agreement has been completed.

◆ Payment Details

10% Down Payment – Required at the time of booking
Final Payment – Due 14 days prior to check-in

◆ Cancelation Policy

Guests can cancel up to 14 days prior to check-in to receive full refund, no refund within 14 days.

◆◆◆◆ House Rules ◆◆◆◆

◆ Acknowledgment & Agreement to Policies

By completing this reservation, the guest expressly acknowledges that they have read, understand, and agree to be legally bound by all House Rules outlined herein. The primary guest agrees to ensure that all occupants and visitors comply with these policies. The guest accepts full financial responsibility for any violations, damages, excessive cleaning, unauthorized occupancy, HOA fines (if applicable), smoking violations, or other breaches of this agreement and expressly authorizes UMB Vacations to charge the card on file for any applicable amounts.

◆ Minimum Age Requirement

The primary renter must be at least 25 years of age at the time of booking and must remain present at the property for the entire duration of the stay. Reservations made under false pretenses, including misrepresentation of age, occupancy, or purpose of stay, may result in immediate cancellation or eviction without refund. The primary renter assumes full responsibility for the conduct of all occupants and visitors associated with the reservation.

◆ Guest Verification

For the safety of our guests and compliance with local regulations, government-issued photo identification may be requested from adult guests. The individual who books the reservation must be present for the duration of the stay and may not book on behalf of another party.

◆ First Aid Kit

A first aid kit is located under the sink for your convenience. You are welcome to use necessary supplies; however, the kit must remain in the property for future guests.

◆ Self-Catering & Starter Supplies

This is a self-catering vacation rental. Bed linens and bath towels are provided. Limited starter supplies may be included upon arrival. Guests are responsible for laundering linens as needed and purchasing any additional consumable items required during their stay.

◆ Check-In & Check-Out

Guests must adhere to designated check-in and check-out times unless approved in writing prior to arrival. Unauthorized late checkouts may result in charges of $100 per hour or up to one full nightly rental rate.
Voluntary early departures are not eligible for refund.

◆ Occupancy Limits

Maximum occupancy for the property is 7 guests. Exceeding the occupancy limit or allowing unauthorized guests may result in additional charges and/or immediate termination of the stay without refund.

◆ Noise Policy

Guests must maintain reasonable noise levels, particularly between 10:00 PM and 8:00 AM. Excessive noise or repeated complaints may result in fines or eviction without refund.

◆ Parties & Events

The property is intended for residential use only. Parties, large gatherings, or events are not permitted unless expressly approved in writing prior to arrival.

◆ Smoking Policy

Smoking and vaping are strictly prohibited inside the property. Smoking outdoors must occur at least 10 feet from doors, windows, and balconies.
A minimum $500 fine plus cleaning and remediation costs will be charged for violations.

◆ Pet Policy

Pets are permitted only with prior written approval and payment of the applicable pet fee. Unauthorized pets may result in fines and possible eviction without refund.

◆ Pool / Hot Tub Usage

If the property includes access to a pool or hot tub, use of these amenities is at the guest’s own risk. Children must be supervised at all times. Glass containers are prohibited in pool and spa areas.

◆ Utility Usage

Guests are expected to use utilities responsibly. Excessive or negligent use, including operating HVAC systems with doors or windows open, may result in additional charges.

◆ Property Condition at Departure

The property must be left in reasonable condition. Excessive cleaning beyond normal wear and tear may result in additional charges billed to the card on file.

◆ Personal Property

UMB Vacations is not responsible for lost, stolen, or abandoned personal belongings.

◆ Property Access

Management or maintenance personnel may access the property for emergencies or necessary service. Advance notice will be provided whenever reasonably possible.

◆ Damage Responsibility

Guests must promptly report any damage occurring during their stay. Failure to report damage may result in repair or replacement charges billed to the card on file. By booking this property, the guest authorizes UMB Vacations to process damage-related charges if necessary.

◆ Weather & Force Majeure

UMB Vacations shall not be liable for events beyond its control, including weather events, hurricanes, mandatory evacuations, governmental actions, construction, utility interruptions, internet outages, or amenity closures. No refunds will be issued for circumstances beyond management’s reasonable control.

◆ No Subleasing or Assignment

The reservation may not be assigned, transferred, or subleased under any circumstances. Violations will result in immediate termination without refund.

◆ Indemnification

The guest agrees to indemnify and hold harmless UMB Vacations and the property owner from any claims, damages, liabilities, or expenses arising from the guest’s occupancy or use of the property.

◆ Eviction & Refund Policy

Guests who violate House Rules, exceed occupancy limits, bring unauthorized pets, cause disturbances, or damage the property may be removed for cause pursuant to Florida Statute §509.141.

Guests removed for cause will forfeit payment for nights already occupied. Unused nights will be refunded at the time of removal, less applicable fines or damages.

By confirming this reservation, you acknowledge and agree to all policies stated above.