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Harrison Lilly Team

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

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8990 Coral Reef Way , Panama City Beach, FL 32413
$469,500
Est. Payment: $2,593.92/mo
2 Bed
2 Bath
1383 Sqft
0.09 Acres
Status: Active | Days on site: 24
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Harrison Lilly Team
Owner/Operator

House Description

PRICED TO SELL so if you've ever dreamed of owning a beautiful cottage in Latitude Margaritaville, this is it? Welcome home to one of the most sought after models, the Dreamsicle. As you enter this corner lot cottage through the spacious wrap-a-round screened porch, you will immediately feel the difference. An open, airy retreat with vaulted ceilings, custom wall paint throughout, and an open concept design perfect for entertaining. This desirable split floor plan provides privacy and features an additional hobby/den room. You will love the many tasteful upgrades such as laminate flooring, recessed lighting, ceiling fans, custom top down/bottom up window blinds. The kitchen is amazing with 42'' cabinets, under-counter/over-counter lighting, tasteful backsplash, pull out drawers in cabinets including the pantry, custom extended refrigerator cabinet with spice rack, custom pull out dishwasher with added cabinet below, double oven (air fryer & convection oven) gas stove, flush mounted self cleaning microwave, 4-door refrigerator, quartz counters, recycled glass pendants, extended bar and so much more! Dining room also has recycled glass pendants that are stunning. The master bedroom is spacious and has an important upgrade, THE PANIC ALARM BUTTON ON THE WALL. If pushed, a blue strobe light comes on outside providing a quick way for EMS to find when YOU call 911. The shower has wall to floor tile and a custom built closet with shelves and dresser drawers. The guest bedroom also has a custom built closet. A Whole Home Water Filtration System has been installed. The garage is insulated, has epoxy floor coating, and and upgraded garage door. And the amenities!! Only a 5 minute golf cart ride and you will be fully entertained. From various poolside singers daily to many well known bands that rotate playing weekends at the town square, you will love the vibe. Enjoy great food at the bar and chill restaurant and bar overlooking the intra-coastal waterway. Have dogs? Barkaritaville Dog Park is a perfect place for your dogs to run and for you to meet other people too. Fin Up Fitness Center has everything you need and more to keep you active. Indoor lap pool, hot tub, state of the art fitness equipment and various fitness classes. Come join the fun today! SEE ALL THE UPGRADES FOR THIS WONDERFUL DREAMSICLE COTTAGE UNDER THE DOCUMENT FILE. TOO MANY TO LIST. Short term rentals allowed minimum of 30 days not to exceed 3 leases per year. One occupant must be 55+ years of age and no residents under 18 years of age.

Highlights

Listed by Diane Tyler , 334-618-9425 RC Real Estate Group , 850-249-6100. Bay County Association of REALTORS

Property Type

Condo/Townhome

Lot/Acreage
0.09

HOA Fee

340.82 Monthly

Year Built

2023

County

Bay

Area

04 - Bay County - North

Neighborhood

Latitude at Watersound

Listing ID

795054

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Gas Cooktop, Gas Oven, 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 Dimensions:35.0 ft x 110.0 ft
Roof:Shingle
Others:
  • ▪ Additional:Porch
Sewer:Public Sewer
Parking Features:Additional Parking,Garage,Garage Door Opener,Gated
Principal Interest
$2,594
Taxes
$301
HOA
$341

Home Price

$469,500

Loan Details

30 yrs
7.374%

Down Payment

20%
$93,900
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Monthly Price:
$2,593.92

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,593.92 $301.15 $340.82 $3,235.89
Yearly $31,127.04 $3,613.83 $4,089.84 $38,830.71
Total $933,811.15 $108,414.90 $122,695.20 $1,164,921.25

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