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Harrison Lilly Team

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

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8720 Sand Dollar Dr , Panama City Beach, FL 32413
$389,000
Est. Payment: $2,149.17/mo
2 Bed
2 Bath
1315 Sqft
0.09 Acres
Status: Active | Days on site: 15
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BSA2 - B12418,B2358
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Harrison Lilly Team
Owner/Operator

House Description

Popular Camellia cottage floor plan in one of the most desirable phases in Latitude Margaritaville Watersound! Professionally designed upgrades sets this home apart so you can move right in without the need for updates. All major appliances are included, as well as the designer lighting and ceiling fans! The kitchen is a delight with upgraded gas range, level 3 ''Dolce'' quartz counters, beautiful level 3 tile backsplash, ''Colada'' kitchen cabinets with pullout shelves and crown molding, oil rubbed bronze fixtures and island pendant lighting. Upgraded Mohawk Revwood ''Washwood Beachwood'' laminate flooring throughout main living areas, kitchen and bedrooms plus level 3 tile flooring in the bathrooms and laundry. Recessed LED lighting in kitchen, living room, porch, hall, primary and secondary bedrooms. The primary suite features a spacious bedroom, pocket door to the ensuite bathroom, shower with floor to ceiling tile and seamless glass enclosure plus oil rubbed bronze fixtures, level 3 Dolce quartz counters and Colada cabinets with stacked drawers. Other notable upgrades include a screened porch, glass front door with motorized shade, garage floor coating, wood window sills and apron, and a dedicated 20 AMP garage outlet perfect for your golf cart. A perfect primary, second home or investment property ready for immediate move-in. Living in Latitude Margaritaville Watersound means embracing a true resort-style, active adult 55+ community, coastal lifestyle designed for fun and relaxation. At the heart of it all is the Town Square where live entertainment fills the air on a daily basis and every Fri/Sat. night! Homeowners enjoy the Resort-style pools- perfect for lounging in the Florida sunshine or enjoying a swim with friends. State-of-the-art fitness center & group classes - including yoga, spin classes and lap pool and spa, water aerobics to name a few. Walking, biking, and golf cart trails that wind through the community with easy access to all amenities and a underpass for safe and convenient access throughout the neighborhood. Sports courts - including pickleball, tennis, and bocce, encouraging friendly competition and active living. Kayak launch for adventure seekers, Last Mango Theater for shows and events, ceramics and wood working shops, pet grooming and a dedicated dog park. Beyond the amenities, Latitude Margaritaville Watersound offers a low-maintenance lifestyle--with lawn care, exterior painting/roof replacement on a maintenance schedule included in HOA dues, a 2/10 structural warranty (from the original buyer's close date), giving residents more time to enjoy the beach, boating, or exploring nearby Panama City Beach and 30A. A future shopping complex to include a Publix grocery store-under construction, dining and shopping options and a public marina is planned on site. New hospital currently being built 5 miles from the community. Whether it's a sunset golf cart ride, cocktails by the resort style pool, or mingling with neighbors at one of the many social gatherings, this is a place where every day feels like a vacation.

Highlights

Listed by Lynn LeMaster , 407-529-7878 and Sheryl Lewis , 770-316-3334 Coldwell Banker Realty , 850-234-6696. Bay County Association of REALTORS

Property Type

Condo/Townhome

Lot/Acreage
0.09

HOA Fee

340.82 Monthly

Year Built

2024

County

Bay

Area

04 - Bay County - North

Neighborhood

Latitude at Watersound

Listing ID

794581

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Gas 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:42.0 ft x 100.0 ft
Zoning:Resid Single Family
Roof:Shingle
Others:
  • ▪ Additional:Porch
Sewer:Public Sewer
Parking Features:Alley Access,Garage,Garage Door Opener,Gated
Principal Interest
$2,149
Taxes
$50
HOA
$341

Home Price

$389,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$77,800
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:
$2,149.17

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,149.17 $49.94 $340.82 $2,539.92
Yearly $25,790.03 $599.23 $4,089.84 $30,479.10
Total $773,700.83 $17,976.90 $122,695.20 $914,372.93

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: 2026-10-07T05:07:46.000Z

© 2026 Bay County Association of REALTORS