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Harrison Lilly

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

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8674 Tropics Ave , Panama City Beach, FL 32413
$379,000
Est. Payment: $1,922.22/mo
2 Bed
2 Bath
1315 Sqft
Status: active | Days on site: 207
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to your coastal retreat in Latitude Margaritaville Watersound! This beautifully upgraded Camellia Cottage, located in sought-after close-in Phase 4, offers the perfect blend of style, comfort, and low-maintenance living just minutes from all of the community's world-class amenities. The open-concept floorplan is light and bright, featuring a cathedral ceiling in the great room, Revwood by Mohawk laminate flooring throughout the main living areas, and designer recessed and statement lighting in the kitchen. The gourmet kitchen is a standout with extended quartz island, upgraded burlap-colored cabinetry, and sleek quartz countertops—ideal for entertaining or everyday living. The bedrooms are finished with plush carpeting, while baths feature tile flooring for a clean, coastal look. Enjoy outdoor living year-round from the screened porch, perfect for morning coffee or evening relaxation. Plantation shutters throughout. The spacious laundry room includes washer and dryer, plus cabinets to the ceiling for added storage. The garage is equally impressive with epoxy floors, utility sink, and built-in cabinetry, making it perfect for a workshop or additional storage. Additional highlights include: Washer & dryer included,10-year structural warranty from original build date. Cottage HOA dues include exterior maintenance, including roof replacement and exterior paint on a scheduled program, providing true lock-and-leave convenience. As a resident of Latitude Margaritaville Watersound, you'll enjoy resort-style amenities including a state-of-the-art fitness center, indoor & outdoor pools, pickleball and tennis courts, walking trails, live entertainment, restaurants, clubs, and a vibrant social calendar—all just 7 miles from the sugar-white beaches of the Emerald Coast. A new commercial area adjacent to the community will feature a Publix grocery store, shopping, dining, and more, and a brand-new hospital is currently being built just 5 miles away, adding even more convenience. Come experience why so many choose to live the Latitude lifestyle—this Camellia Cottage is truly move-in ready and a must-see!

Highlights

Listed by Sheryl Lewis , 770-316-3334 and Madison Maynard , 470-330-0300 Coldwell Banker Realty , 850-234-6696. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

340.82 Monthly

Year Built

2023

County

Bay

Area

04 - Bay County - North

Neighborhood

Latitude at Watersound

Listing ID

784128

Questions about this listing?

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Interior Features

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

Exterior Features

Lot:Paved
Lot Dimensions:42x100
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • Additional:Porch
Sewer:Public Sewer
Parking Features:Gated
Principal Interest
$1,922
Taxes
$261
HOA
$341

Home Price

$379,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$75,800
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:
$1,922.22

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,922.22 $261.00 $340.82 $2,524.04
Yearly $23,066.60 $3,132.00 $4,089.84 $30,288.44
Total $691,997.94 $93,960.00 $122,695.20 $908,653.14

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

© 2026 Bay County Association of REALTORS