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Harrison Lilly Team

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

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8827 Coral Reef Way , Panama City Beach, FL 32413
$680,000
Est. Payment: $3,756.90/mo
3 Bed
3 Bath
2170 Sqft
0.15 Acres
Status: Active | Days on site: 64
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LPTR - B12979,B12456
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Harrison Lilly Team
Owner/Operator

House Description

Motivated seller!! Welcome to your ouwn slice of paradise in Latitude Margaritaville Watersound! Built in 2023, this stunning Breeze Bay plan offers 3 bedrooms, 3 full bathrooms, and the perfect blend of luxury, comfort, and resort-style living. Ideally situated on one of the most beautiful views pond and preserve looking out provides . This provides such a peaceful view your from screended in lanai, creating the perfect space to enjoy your morning coffee, entertain friends, or unwind while taking in Florida's beautiful sunsets. Inside, you'll find a spacious, open-concept design that seamlessly connects the living, dining, and kitchen areas, making everday and entertaining effortless. The floorplan offers generous bedrooms, well appointed bathrooms, and flexible living spaces that accomodate guests while maintaing privacy and comfort. Life at Latitude Margaritaville Watersound is about so much more than the home- it's about embracing and incredible lifestyle. Residents enjoy world-class ammenities, including a spectacular Town Square, resort style pool, state-of the-art fitness center, pickleball and tennis courts, walking and biking trails, dog park, Latitude Bar& Chill restaurant, live entertainment, social clubs, and an endless calendar of activities designed for active adults. Conveniently located near the white-sand beaches of the Emerald Coast, scenic Highway 30A, shopping, dining, entertainment, and Northwest Florida Beaches International Airport, you'll enjoy access to everything that makes the Pana!ma City Beach area such a desireable place to call home. Whether you're searching for a full-time residence or the ultimate Florida retreat, this exceptional home views, and the award-winning Latitude Margaritaville lifestyle. Come see why every day truly feels like a vacation

Highlights

Listed by Teresa K Stryker , 850-708-5404 and John J Arroyo , 850-943-7777 LPT Realty LLC , 877-366-2213. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.15

HOA Fee

352.89 Monthly

Year Built

2023

County

Bay

Area

04 - Bay County - North

Neighborhood

Latitude at Watersound

Listing ID

793741

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Cooktop, Electric Oven, Electric Range
Air Cond:Central Air
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Main Level Primary, Shower Only, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:49.0 ft x 131.0 ft
Zoning:Resid Single Family
Roof:Shingle
Others:
  • ▪ Additional:Porch
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener,Gated
Principal Interest
$3,757
Taxes
$515
HOA
$353

Home Price

$680,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$136,000
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:
$3,756.90

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,756.90 $514.65 $352.89 $4,624.44
Yearly $45,082.82 $6,175.77 $4,234.68 $55,493.27
Total $1,352,484.74 $185,273.10 $127,040.40 $1,664,798.24

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