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Harrison Lilly

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

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8645 Sand Dollar Dr , Panama City Beach, FL 32413
$405,900
Est. Payment: $2,058.65/mo
2 Bed
2 Bath
1315 Sqft
Status: active | Days on site: 1
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

CAMELLIA COTTAGE in Phase 6BC of Latitude Margaritaville Watersound -- if a private cottage setting is high on your wish list, you may have found your spot. Some homes are about upgrades. Some are about location. This one gives you both, but what may surprise you most is the privacy. Sit down on the front screened porch and look around. You can't even see another home. While preparing this description from that very porch, I didn't see another person the entire time. Just trees, peace and quiet, and privacy that's difficult to find with a cottage. You may catch some morning sunshine, but by lunchtime the porch settles into shade for the rest of the day. Add a comfortable chair, something cold to drink, and your four-legged sidekick, and you may not want to go inside. Eventually, though, you should -- because that's where the surprises begin. This Camellia is almost like a game of hide-and-seek. The owners added custom touches throughout. Customized walls, clever storage and little extras appear around every corner. Open doors and pull out drawers -- there's always another surprise waiting. The kitchen features custom cabinetry, beautiful countertops, designer backsplash, upgraded electric stove tastefully done. Open the lower cabinets and you'll discover pull-out shelving that makes everything easy to reach. And whatever you do, check out the pantry. There's a hidden surprise waiting for you. The upgrades continue with beautiful flooring, cabinetry and countertops, custom lighting and ceiling fans. Metal storm shutters are also included to help protect the windows when needed. The laundry room features aftermarket cabinetry for additional storage, and the refrigerator, washer and dryer may also remain with the home. Then there is the garage -- because apparently they weren't finished upgrading yet. You'll find an upgraded epoxy-coated floor, ceiling fan and other extras that make this more than a place to park the golf cart. And then there is *Phase 6BC.* This location gives you privacy without putting you far from the action. Flip Flop Square, with green space, tiki-style pavilions, grills and neighborhood gatherings, is nearby. When you're ready for the bigger party, Latitude Town Square and the community's multimillion-dollar amenity complex are just a short golf cart ride away. Here's something people who don't live here may not realize: from Phase 6, take the community pathway into Phase 4 and continue toward the amenity center without traveling along West Bay Parkway. It's one of those little conveniences that becomes a pretty big deal once you live here -- grab the golf cart and go. And where exactly are you going? Maybe it's Fins Up! Fitness Center, pickleball with friends, the resort-style Paradise Pool, indoor lap pool, dinner and drinks, or live music at Town Square. There are walking and biking trails, tennis, a dog park, clubs, activities and community events. Around here, filling your calendar isn't difficult. Leaving yourself a free afternoon might be. The convenience outside the community continues to grow. The new Publix-anchored commercial area along Highway 79 is no longer just something on a drawing -- Publix is under construction and the walls are going up. Just a few miles down the road, construction on the new hospital is visibly moving forward. And when the beach starts calling, the white sand and emerald waters of Panama City Beach are approximately seven miles away, as well as other popular Northwest Florida destinations within easy reach. But here's the funny thing about this Camellia: after spending an afternoon on that private, shaded porch, you might not be in much of a hurry to go anywhere. Privacy when you want it. Margaritaville when you don't. That's a pretty good way to live. Bring the flip-flops. Bring the golf cart. And definitely check the pantry. Welcome home to your Camellia Cottage in Phase 6BC.

Highlights

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

Property Type

Condo/Townhome

Lot/Acreage
0.09

HOA Fee

340.82 Monthly

Year Built

2025

County

Bay

Area

04 - Bay County - North

Neighborhood

Latitude at Watersound

Listing ID

793975

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Other:
  • Additional:Main Level Primary

Exterior Features

Lot Dimensions:42.0 ft x 100.0 ft
Sewer:Public Sewer
Principal Interest
$2,059
Taxes
$48
HOA
$341

Home Price

$405,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$81,180
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:
$2,058.65

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,058.65 $47.75 $340.82 $2,447.21
Yearly $24,703.78 $572.96 $4,089.84 $29,366.58
Total $741,113.36 $17,188.80 $122,695.20 $880,997.36

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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: 2026-08-20T06:33:19.000Z

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