Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly

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

Agent profile image in message

8606 Sand Dollar Dr , Panama City Beach, FL 32413
$449,000
Est. Payment: $2,277.24/mo
2 Bed
2 Bath
1481 Sqft
Status: active | Days on site: 21
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

Agent profile image
Harrison Lilly
Owner/Operator

House Description

Highly Upgraded Aloha Cottage in Sought-After Phase 6BC of Latitude Margaritaville Watersound! Located just steps from the charming Flip Flop Square gathering area, this beautifully appointed home offers the perfect blend of luxury, comfort, and the award-winning Latitude lifestyle. The gourmet kitchen is a showstopper featuring an extended quartz island with matching quartz backsplash, upgraded 42'' cabinetry with crown molding, pull-out drawers, pull-out trash cabinet, under-cabinet lighting, upgraded oversized sink, designer bronze faucet and hardware, custom pantry, and a spacious layout ideal for entertaining. Revwood by Mohawk highly upgraded laminate floors throughout. Tile flooring in baths and laundry. The open-concept floor plan showcases soaring cathedral ceilings, a spacious living room with a custom tile feature wall, and a generous dining area perfect for hosting family and friends. Designer lighting (excluding the dining room light fixture), ceiling fans, and professionally selected paint throughout the home were completed after closing, creating a warm, custom feel. The private primary suite features a custom closet system and a luxurious ensuite bath with upgraded tile flooring, floor-to-ceiling tiled shower with frameless glass enclosure, rich upgraded cabinetry, quartz countertops, and designer bronze fixtures and hardware. The secondary bedroom also includes a custom closet system and is conveniently located adjacent to the upgraded guest bath. A spacious den offers the flexibility for a home office, hobby room, or additional guest space. Relax on the screened lanai overlooking the beautifully landscaped surroundings--perfect for enjoying your morning coffee or evening breeze. The garage is equally impressive with an upgraded garage door opener featuring app connectivity and integrated security camera, utility sink, and a built-in workshop area. Enjoy added peace of mind with HURRICANE IMPACT windows and doors, a transferable 2/10 builder structural warranty, and low-maintenance living. The HOA includes professional landscaping and irrigation maintenance, along with scheduled exterior painting and roof replacement. Many upgrades were done after closing adding additional value to the home! Latitude Margaritaville Watersound is a premier 55+ active adult community located approximately 7 miles from the Gulf of Mexico, offering resort-style amenities including a Paradise Pool, indoor lap pool, fitness center, pickleball and tennis courts, bocce ball, bandshell with live entertainment, restaurant and bar, game rooms, walking and biking trails, dog park, and a vibrant calendar of clubs and social events. Conveniently located near the growing Watersound commercial district with shopping, dining, Publix, and a new hospital under construction, this exceptional home offers the opportunity to enjoy the very best of Florida's Gulf Coast lifestyle.

Highlights

Listed by Sheryl Lewis , 770-316-3334 Coldwell Banker Realty , 850-234-6696. Bay County Association of REALTORS

Property Type

Condo/Townhome

Lot/Acreage
0.08

HOA Fee

340.82 Monthly

Year Built

2025

County

Bay

Area

04 - Bay County - North

Neighborhood

Latitude at Watersound

Listing ID

793310

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Range, Gas Water Heater, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s),Heat Pump
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:Shingle
Others:
  • Additional:Porch, Rain Gutters
Sewer:Public Sewer
Parking Features:Additional Parking,Garage,Garage Door Opener,Gated
Principal Interest
$2,277
Taxes
$286
HOA
$341

Home Price

$449,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$89,800
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:
$2,277.24

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,277.24 $286.24 $340.82 $2,904.30
Yearly $27,326.92 $3,434.85 $4,089.84 $34,851.61
Total $819,807.58 $103,045.50 $122,695.20 $1,045,548.28

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
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: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS