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Harrison Lilly Team

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

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8745 Coral Reef Way , Panama City Beach, FL 32413
$692,000
Est. Payment: $3,823.20/mo
3 Bed
3 Bath
2170 Sqft
0.21 Acres
Status: Active | Days on site: 257
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Harrison Lilly Team
Owner/Operator

House Description

Experience effortless resort-style living in this exceptionally well-maintained, highly sought-after Breeze Bay floorplan on a premium corner lot. INCREDBLE OPPORTUNITY! TENS OF THOUSANDS IN UPGRADES: Whole house generator, window wall, custom blinds/curtains, gas stove, wall oven, wine cooler, pull out garbage can cabinet, 3 way dressing mirror and more! This 3-bedroom, 3-bath home features beautiful vinyl plank flooring throughout, creating a seamless, stylish flow. The chef's kitchen is a standout, offering quartz countertops, tile backsplash, gas cooktop, wall oven and microwave, a wine cooler, and an oversized island that opens to the dining and great room--perfect for entertaining. A full wall of glass sliders leads to a screened lanai with tranquil pond views, ideal for relaxing or hosting guests. The primary suite overlooks the backyard and includes a luxurious en-suite with his and her closets, a stunning walk-in shower and dual quartz vanities. Two additional bedrooms provide comfort and privacy, including one with its own en-suite--perfect for visitors. This home is packed with upgrades and peace-of-mind features, including a whole-house generator, epoxy-coated garage floor and lanai, custom blinds, and all appliances conveying, including washer and dryer. Enjoy a vibrant 55+ lifestyle with resort-style pools, fitness center, pickleball and tennis courts, dining, entertainment, and a convenient golf-cart underpass. HOA covers lawn care, amenities, and year-round activities. With exciting growth nearby--including a new Publix, shopping, dining, and a future hospital--this is an unbeatable opportunity at an improved price. Don't miss your chance to own a slice of Margaritaville paradise!

Highlights

Listed by Kay C Blanchard , 850-960-8577 Beachy Beach Real Estate , 850-233-4351. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.21

HOA Fee

324.43 Monthly

Year Built

2023

County

Bay

Area

04 - Bay County - North

Neighborhood

Latitude at Watersound

Listing ID

784506

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Oven, Gas Cooktop, Gas Water Heater, Tankless Water Heater
Air Cond:Central Air
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Walk-In Closet(s), Home Theater

Exterior Features

Lot:Paved
Lot Dimensions:67 x 136
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • ▪ Additional:Porch
Sewer:Public Sewer
Parking Features:Gated

Open House

Upcoming Open Houses
Saturday 1:30 pm - 3:30 pm Oct 17
Principal Interest
$3,823
Taxes
$583
HOA
$324

Home Price

$692,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$138,400
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:
$3,823.20

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,823.20 $583.33 $324.43 $4,730.96
Yearly $45,878.40 $7,000.00 $3,893.16 $56,771.56
Total $1,376,352.12 $210,000.00 $116,794.80 $1,703,146.92

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: 2026-10-07T03:46:57.000Z

© 2026 Bay County Association of REALTORS