$399,000
Panama City Beach, FL 32413
MLS# 794868
2 beds | 2 baths | 1308 sqft
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Property Description
EXEMPT FROM THE WAIT TO BUILD: Welcome to 8654 Coral Reef Way, a pristine, turn-key ''Camellia'' floor plan from the highly sought-after Conch Cottage Collection in Latitude Margaritaville Watersound. This masterfully curated home offers immediate occupancy and features nearly $55,000 in premium interior and structural upgrades. Positioned inside a premium 55+ active-adult community, this open-concept layout showcases seamless luxury vinyl plank flooring, soft coastal-inspired color palettes, and impact-rated windows and doors for optimal peace of mind. The gourmet kitchen is anchored by a custom extended quartz island, 42-inch upgraded cabinetry, and Whirlpool® stainless steel appliances. The primary suite delivers a spa-like retreat with dual vanities and a frameless glass walk-in shower, complemented by a versatile secondary bedroom ideal for guests or a dedicated home office. Step out to the screened-in porch to enjoy the coastal breeze, or utilize the pristine, epoxy-coated garage. Located in a preferred X Flood Zone with NO CDD fees, the property features a high-efficiency Carrier® HVAC and a Rinnai® tankless water heater. The monthly HOA comprehensively covers landscaping and exterior maintenance, unlocking a zero-chore lifestyle. Walk, bike, or golf-cart to the premier Town Center amenities, including the Paradise Pool and cabanas, live music pavilion, Fins Up! Fitness Center, pickleball courts, and the signature Latitude Bar & Chill.
Details
Maps
General Property Info
Acreage: 0.09
Design: Beach House
Lot Size (SqFt): 3920
Apx SqFt(Htd/Cooled): 1308
Construction Status: Construction Complete
SqFt Source: Builders Plans
Accessory Dwelling Unit: No
Lot Dimensions: 42.0 ft x 100.0 ft
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Assigned Spaces: 1
Pool: No
Sub-Type: Attached Single Unit
Bedrooms: 2
Full Baths: 2
Total Baths: 2
Year Built: 2023
Contract Info
List Price/SqFt: 305.05
Status: Active
List Date: 2026-08-31
List Price: $399,000
Current Price: $399,000
Location
Sub Area: 0411 - Bay North - West Bay
Community/Resort: None
Waterfront: No
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Directions: Hwy 79 north to left on West Bay and left on Coral Reef Way
Area: 04 - Bay County - North
Street #: 8654
Street Name: Coral Reef
Street Suffix: Way
State: FL
Zip Code: 32413
County: Bay
Subdivision: Latitude at Watersound
Parcel ID: 32503-350-480
Legal Description: LATITUDE AT WATERSOUND AREA 1 PHASE 4A LOT 4240 ORB 4688 P 311
Listing Info, Tax and Legal
HOA Fee: Yes
HOA Amount: 340.82
HOA Frequency: Monthly
HOA Annual Amount: 4089.84
Senior Community: Yes
New Buyer Fee: Yes
Last Taxes: 3169.44
Last Tax Year: 2025
Brokerage Interest: No Interest
Remarks & Misc
Remarks: EXEMPT FROM THE WAIT TO BUILD: Welcome to 8654 Coral Reef Way, a pristine, turn-key ''Camellia'' floor plan from the highly sought-after Conch Cottage Collection in Latitude Margaritaville Watersound. This masterfully curated home offers immediate occupancy and features nearly $55,000 in premium interior and structural upgrades. Positioned inside a premium 55+ active-adult community, this open-concept layout showcases seamless luxury vinyl plank flooring, soft coastal-inspired color palettes, and impact-rated windows and doors for optimal peace of mind. The gourmet kitchen is anchored by a custom extended quartz island, 42-inch upgraded cabinetry, and Whirlpool® stainless steel appliances. The primary suite delivers a spa-like retreat with dual vanities and a frameless glass walk-in shower, complemented by a versatile secondary bedroom ideal for guests or a dedicated home office. Step out to the screened-in porch to enjoy the coastal breeze, or utilize the pristine, epoxy-coated garage. Located in a preferred X Flood Zone with NO CDD fees, the property features a high-efficiency Carrier® HVAC and a Rinnai® tankless water heater. The monthly HOA comprehensively covers landscaping and exterior maintenance, unlocking a zero-chore lifestyle. Walk, bike, or golf-cart to the premier Town Center amenities, including the Paradise Pool and cabanas, live music pavilion, Fins Up! Fitness Center, pickleball courts, and the signature Latitude Bar & Chill.
Appliances
Cooktop - Gas: 1
Dishwasher: 1
Disposal: 1
Oven - Gas: 1
Range - Gas: 1
Interior Features
Ceiling - Beamed: 1
Ceiling - Vaulted: 1
Floor - Laminate: 1
Floor - Tile: 1
Kitchen Island: 1
Lighting - Recessed: 1
Pantry: 1
Split Bedroom: 1
Construction/Siding
Foundation - Slab on Grade: 1
Wood/Frame: 1
Roof - Composite Shngl: 1
Siding - Hardie Board: 1
Trim - Vinyl: 1
Exterior
Porch Covered: 1
Porch Screened: 1
Sprinkler System: 1
Association Fees Include
Accounting: 1
Business Center: 1
Community Room: 1
Exercise Room: 1
Gated Community: 1
Ground Keeping: 1
Management: 1
Master Association: 1
Pool: 1
Recreational Faclty: 1
Tennis: 1
Theater: 1
Whirlpool: 1
Financing
Cash: 1
Conventional: 1
FHA: 1
VA: 1
Furnished
Unfurnished: 1
Lot Features
Close to Clubhouse: 1
Covenants & Rescrictions: 1
Subdivision - Recorded: 1
Lot Access
Gated Access: 1
Paved Road: 1
Parking Features
Assigned: 1
Garage Attached: 1
Present Zoning
Resid Single Family: 1
Association Amenities
Basketball Court: 1
Business Center: 1
Community Room: 1
Exercise Room: 1
Gated Community: 1
Pool: 1
Tennis: 1
Theater: 1
Whirlpool: 1
Dog Park: 1
Pickle Ball: 1
Recreation Facilities: 1
Sidewalks: 1
Rooms
Bedroom: 1
Dining Room: 1
Living Room: 1
Primary Bedroom: 1
Showing
ShowingTime: 1
Utilities
TV Cable: 1
Electricity - Connected: 1
Natural Gas - Connected: 1
Internet - Fiber Optic: 1
Public Sewer - Connected: 1
Public Water - Connected: 1
Sale Type
As Is: 1
Cooling
Central Air: 1
Electric: 1
Heat Pump: 1
Heating
Central: 1
Electric: 1
Heat Pump: 1
Primary Bdrm/Primary Bath
MBath Double Vanity: 1
MBath Shower Only: 1
MBed Walk-in Closet: 1
Security Features
Carbon Monoxide Detector: 1
Gated Community: 1
Smoke Detector(s): 1
Property Features
Appliances: Cooktop - Gas; Dishwasher; Disposal; Oven - Gas; Range - Gas
Cooling: Central Air; Electric; Heat Pump
Heating: Central; Electric; Heat Pump
Exterior: Porch Covered; Porch Screened; Sprinkler System
Association Fees Include: Accounting; Business Center; Community Room; Exercise Room; Gated Community; Ground Keeping; Management; Master Association; Pool; Recreational Faclty; Whirlpool; Tennis; Theater
Financing: Cash; Conventional; FHA; VA
Furnished: Unfurnished
Lot Features: Close to Clubhouse; Covenants & Rescrictions; Subdivision - Recorded
Lot Access: Gated Access; Paved Road
Security Features: Carbon Monoxide Detector; Gated Community; Smoke Detector(s)
Parking Features: Assigned; Garage Attached
Association Amenities: Basketball Court; Business Center; Community Room; Dog Park; Exercise Room; Gated Community; Pickle Ball; Pool; Recreation Facilities; Sidewalks; Whirlpool; Tennis; Theater
Rooms: Bedroom; Dining Room; Living Room; Primary Bedroom
Sale Type: As Is
Showing: ShowingTime
Utilities: TV Cable; Electricity - Connected; Internet - Fiber Optic; Natural Gas - Connected; Public Sewer - Connected; Public Water - Connected
Present Zoning: Resid Single Family
Supplements
EXEMPT FROM THE WAIT TO BUILD: Welcome to 8654 Coral Reef Way, a pristine, turn-key "Camellia" floor plan from the highly sought-after Conch Cottage Collection in Latitude Margaritaville Watersound. This masterfully curated home offers immediate occupancy and features nearly $55,000 in premium interior and structural upgrades. Positioned inside a premium 55+ active-adult community, this open-concept layout showcases seamless luxury vinyl plank flooring, soft coastal-inspired color palettes, and impact-rated windows and doors for optimal peace of mind. The gourmet kitchen is anchored by a custom extended quartz island, 42-inch upgraded cabinetry, and Whirlpool® stainless steel appliances. The primary suite delivers a spa-like retreat with dual vanities and a frameless glass walk-in shower, complemented by a versatile secondary bedroom ideal for guests or a dedicated home office. Step out to the screened-in porch to enjoy the coastal breeze, or utilize the pristine, epoxy-coated garage. Located in a preferred X Flood Zone with NO CDD fees, the property features a high-efficiency Carrier® HVAC and a Rinnai® tankless water heater. The monthly HOA comprehensively covers landscaping and exterior maintenance, unlocking a zero-chore lifestyle. Walk, bike, or golf-cart to the premier Town Center amenities, including the Paradise Pool and cabanas, live music pavilion, Fins Up! Fitness Center, pickleball courts, and the signature Latitude Bar & Chill.
Room Information
| Room Name | Dimensions | Length | Width |
| Primary Bedroom | 12.2 x 12.1 | 12.20 | 12.10 |
| Bedroom | 12.9 x 11.2 | 12.90 | 11.20 |
| Living Room | 16.2 x 14.1 | 16.20 | 14.10 |
| Dining Room | 12.6 x 11.1 | 12.60 | 11.10 |
Listing Office: Coldwell Banker Realty
Last Updated: September - 01 - 2026
Information deemed reliable but not guaranteed.