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Harrison Lilly Team

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

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9320 Cool Breeze Dr , Panama City Beach, FL 32413
$409,900
Est. Payment: $2,264.64/mo
2 Bed
2 Bath
1308 Sqft
0.09 Acres
Status: Pending | Days on site: 30
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ECU2 - E31210,E28842
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Harrison Lilly Team
Owner/Operator

House Description

TURNKEY LUXURY AT LATITUDE MARGARITAVILLE! Welcome to 9320 Cool Breeze Dr, a highly upgraded Camellia Cottage conveying fully furnished in the highly sought-after 55+ community of Latitude Margaritaville Watersound. Situated in Phase 6A, this home offers a prime location with its own dedicated gate and no neighborhood cut-through traffic, all while remaining a convenient golf cart ride to Town Square rather than the longer drive from later phases. This turnkey opportunity completely bypasses new construction waitlists, builder timelines, and furniture delivery delays for an immediate move-in ready experience. Inside, the open layout is elevated by 8-foot interior doors, upgraded large-format porcelain tile flooring flowing continuously throughout, and ceiling beams that add style to the main gathering area. The kitchen features premium cabinetry accented by upper and under-cabinet ambient lighting, quartz countertops, an undermount sink, gas range, and a custom walk-in pantry with wood shelving. The primary suite serves as a spacious retreat, complete with a custom closet system and an ensuite bath featuring floor-to-ceiling tile in the walk-in shower, a frameless glass enclosure, and a quartz double vanity. Outdoor living is easy on the private screened lanai finished with durable epoxy flooring, perfect for morning coffee or relaxing evenings. The attached two-car garage is equally well finished with matching epoxy floors, a utility sink, and an upgraded, low-noise, "smart" garage door opener that has a camera and can be opened remotely. Cottage HOA dues provide low-maintenance peace of mind by covering exterior lawn care, scheduled exterior repainting, and roof replacement schedules. Located just 7 miles from the white-sand beaches of the Emerald Coast, this community sits directly along the Intracoastal Waterway. Residents enjoy world-class amenities including the resort-style Paradise Pool, the two-story Bar & Chill restaurant, Fins Up! Fitness Center with an indoor lap pool and spa, tennis and pickleball courts, kayak launch, Barkaritaville dog park, Last Mango Theater, and regular live entertainment at the bandshell. With the new Publix town center and healthcare facilities nearby, everything needed for effortless coastal living is right at hand. Pack the bags, bring the golf cart, and welcome to paradise! Schedule your showing today. A video tour is also available

Highlights

Listed by Courtney Pantalena , 850-738-4881 Coldwell Banker Realty , 850-650-4563. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

Lot/Acreage
0.09

HOA Fee

Year Built

2024

County

Bay

Area

27 - Bay County

Neighborhood

Latitude at Watersound

Listing ID

1012170

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Stove/Oven Gas, Washer, Water Heater - Gas, Water Heater - Tnkls
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot Dimensions:42x100
Others:
  • ▪ Additional:Sprinkler System, Porch, Porch Screened
Sewer:Public Sewer
Parking Features:Garage
Principal Interest
$2,265
Taxes
$374
HOA
$0

Home Price

$409,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$81,980
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:
$2,264.64

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,264.64 $374.18 $0.00 $2,638.82
Yearly $27,175.66 $4,490.14 $0.00 $31,665.80
Total $815,269.85 $134,704.20 $0.00 $949,974.05

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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T06:31:40.000Z

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