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Harrison Lilly Team

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

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8896 Cool Water Way , Panama City Beach, FL 32413
$697,793
Est. Payment: $3,855.21/mo
3 Bed
3 Bath
2492 Sqft
0.18 Acres
Status: Active | Days on site: 62
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REMG - B12547
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Harrison Lilly Team
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House Description

This home showcases the highly sought-after St. Bart floorplan in the award-winning Latitude Margaritaville Watersound community, blending style, comfort, and thoughtful upgrades throughout. The gourmet kitchen is a standout feature, offering a gas cooktop with vent hood, built-in wall oven, and wall microwave, complemented by upgraded cabinetry and premium quartz countertops that continue throughout the home. Enjoy durable laminate flooring throughout the main living areas and bedrooms, with tile flooring in all bathrooms for easy maintenance and timeless appeal. Additional upscale features include 8-foot interior doors, creating an open and elevated feel, along with impact-resistant windows and an impact glass front door for added peace of mind and storm protection. The home is also pool pre-wired, providing a convenient opportunity for future backyard enhancements after closing. Combining quality construction, modern finishes, and desirable upgrades, this St. Bart offers the perfect opportunity to enjoy the Margaritaville lifestyle in one of Northwest Florida's premier active-adult communities.
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Highlights

Listed by Nikki Crovato , 786-566-1645 RE/MAX GOLD , 772-607-9600. Bay County Association of REALTORS

Property Type

Residential
Lot/Acreage
0.18

HOA Fee

352.89 Monthly

Year Built

2026

County

Bay

Area

04 - Bay County - North

 Neighborhood

Latitude at Watersound

Listing ID

793662

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:ENERGY STAR Qualified Appliances, Electric Oven, Gas Cooktop
Air Cond:ENERGY STAR Qualified Equipment
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Walk-In Closet(s), Home Theater

Exterior Features

Lot:Paved
Lot Dimensions:60.0 ft x 131.0 ft
Zoning:City
Roof:Asphalt,Metal
Others:
  • ▪ Additional:Rain Gutters
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener,Gated
Principal Interest
$3,855
Taxes
$51
HOA
$353

Home Price

$697,793

Loan Details

30 yrs
7.374%

Down Payment

20%
$139,559
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:
$3,855.21

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,855.21 $50.88 $352.89 $4,258.98
Yearly $46,262.47 $610.56 $4,234.68 $51,107.71
Total $1,387,874.09 $18,316.80 $127,040.40 $1,533,231.29

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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS