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Harrison Lilly Team

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

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8614 Sand Dollar Dr , Panama City Beach, FL 32413
$459,900
Est. Payment: $2,540.88/mo
2 Bed
3 Bath
1368 Sqft
0.08 Acres
Status: Active | Days on site: 20
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Harrison Lilly Team
Owner/Operator

House Description

Look no further than this Beautiful Dreamsicle Cottage in Phase 6BC of Latitude Margaritaville Watersound, loaded with upgrades throughout! This bright, airy, move-in ready cottage features 2 beds and 2 baths, 8 ft interior doors, Mohawk RevWood plank flooring throughout, recessed lighting, modern light fixtures, and custom plantation shutters on all windows. The open living and dining area offers abundant natural light with easy flow to the tranquil covered front porch. The bright kitchen designed for effortless living and entertaining, includes all upgraded soft-close white cabinetry, crown molding, quartz counters, upgraded appliances including a gas range, an island designed to entertain with a dedicated dining space for your dinner parties. The primary suite includes a walk-in closet and a spacious bath with dual vanities, upgraded soft close cabinetry, quartz counters, walk-in closet with ample storage and a tiled walk-in shower with a frameless shower enclosure. Off the kitchen is a separate hallway connecting to the guest bedroom - large enough for two full beds, office space, and a separate private bathroom with upgraded tile, quartz and soft-close cabinetry. The adjacent bonus room is perfect for when the grandkids visit or as a workspace/craft room. Additional highlights include hurricane-rated windows and doors, extra insulation in the garage, and a neutral interior palette ready for its next owner. Life in Latitude Margaritaville truly has it all. You can spend your days as busy or as relaxed as you prefer. And by busy, we mean, catching up with friends at the Bar & Chill Restaurant overlooking the Intracoastal Waterway while watching the sun set, swimming in the Paradise pool with the live bands playing daily, buying your favorite local produce & meat at the monthly farmer's market, enjoying miles of walking trails, using the kayak launch, attending the Arts & Learning studio classes, playing pickleball or tennis, staying active in the state-of-the-art fitness center or swimming laps in the indoor pool. There are endless opportunities to connect with fellow friends and neighbors - all just a quick golf cart ride away from your new home! This home has 9 years remaining of the 10-year structural warranty offered by Minto. It's no secret that this 55+better community is one of the area's fastest growing spots to move to. Choose to live where the locals live; a short drive to idyllic 30A for boutique shopping & fine dining, only 15 minutes to the Gulf's white-sand beaches and an easy drive to the ever growing, Northwest Florida Beaches International Airport to pick up friends & family! Publix construction is underway as is Tallahassee Memorial hospital, a short drive down the road from the community.

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

795472

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Gas Range, Gas Water Heater, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s),Heat Pump
Fireplaces:
Other:
  • ▪ Additional:Main Level Primary, Shower Only, 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:Rain Gutters
Sewer:Public Sewer
Parking Features:Gated
Principal Interest
$2,541
Taxes
$48
HOA
$341

Home Price

$459,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$91,980
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:
$2,540.88

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,540.88 $47.75 $340.82 $2,929.45
Yearly $30,490.58 $572.96 $4,089.84 $35,153.38
Total $914,717.25 $17,188.80 $122,695.20 $1,054,601.25

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