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Harrison Lilly Team

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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8497 Dreams Float Ct , Panama City Beach, FL 32413
$460,000
Est. Payment: $2,541.43/mo
2 Bed
2 Bath
1481 Sqft
0.08 Acres
Status: Active | Days on site: 1
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BARV - B12702,B7625
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Harrison Lilly Team
Owner/Operator

House Description

The lights come up. The front door opens. And suddenly, the life you have been working toward has a setting. Welcome to 8497 Dreams Float Court, an Aloha Cottage at Latitude Margaritaville Watersound with a personality all its own. With over a $100K in builder selected upgrades this Aloha has it all! Step inside and your eyes travel upward to the vaulted ceiling and painted beams, then across the custom wall details and warm, inviting living space. Plantation shutters frame the windows. Designer lighting sets the mood. In ceiling speakers are ready when the moment calls for a soundtrack. At the center of it all is a kitchen built for the people who love to entertain. The extended island gives them room to gather while quartz countertops and a full height quartz backsplash make the entire space shine. Upgraded cabinetry, crown molding, pullout shelves and a double trash pullout bring thoughtfulness to every inch. Picture the first cup of coffee before the day begins. Then picture friends around that same island long after dinner was supposed to end. The evening moves to the screened porch. The ceiling fan turns overhead, the conversation carries on, and nobody is checking the time. When the last guest leaves, the home becomes your retreat again. The primary bath welcomes you with a rain shower, tile reaching the ceiling, a seamless glass enclosure and quartz countertops. It is the kind of room that makes an ordinary Tuesday feel like an occasion. Throughout the home, upgraded tile flooring, crown molding, recessed lighting and carefully chosen finishes tell the same story: every detail was considered. Even the garage plays its part, with an epoxy floor, insulation and a utility sink. Some homes are a stop along the way. This one feels like the moment the music swells, the doors open, and you realize the best part of the story is just beginning.

Highlights

Listed by Jeremy A Mertens , 423-805-0518 and Robert McGuigan , 850-329-8454 Watersound Real Estate , 850-231-6531. Bay County Association of REALTORS

Property Type

Condo/Townhome

Lot/Acreage
0.08

HOA Fee

340.82 Monthly

Year Built

2024

County

Bay

Area

04 - Bay County - North

Neighborhood

Latitude at Watersound

Listing ID

795893

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Oven, Electric Range, Gas Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Smart Thermostat, Walk-In Closet(s), Home Theater

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:35.0 ft x 100.0 ft
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • ▪ Additional:Porch
Sewer:Public Sewer
Parking Features:Additional Parking,Alley Access,Garage,Garage Door Opener
Principal Interest
$2,541
Taxes
$408
HOA
$341

Home Price

$460,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$92,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,541.43

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,541.43 $408.45 $340.82 $3,290.71
Yearly $30,497.20 $4,901.43 $4,089.84 $39,488.47
Total $914,916.15 $147,042.90 $122,695.20 $1,184,654.25

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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Market insight data is pulled from the same city as the listing being viewed (Panama City Beach, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS