8674 Tropics Ave, Panama City Beach, FL, 32413
About This Home
Welcome to your coastal retreat in Latitude Margaritaville Watersound! This beautifully upgraded Camellia Cottage, located in sought-after close-in Phase 4, offers the perfect blend of style, comfort, and low-maintenance living just minutes from all of the community's world-class amenities. The open-concept floorplan is light and bright, featuring a cathedral ceiling in the great room, Revwood by Mohawk laminate flooring throughout the main living areas, and designer recessed and statement lighting in the kitchen. The gourmet kitchen is a standout with extended quartz island, upgraded burlap-colored cabinetry, and sleek quartz countertops—ideal for entertaining or everyday living. The bedrooms are finished with plush carpeting, while baths feature tile flooring for a clean, coastal look. Enjoy outdoor living year-round from the screened porch, perfect for morning coffee or evening relaxation. Plantation shutters throughout. The spacious laundry room includes washer and dryer, plus cabinets to the ceiling for added storage. The garage is equally impressive with epoxy floors, utility sink, and built-in cabinetry, making it perfect for a workshop or additional storage. Additional highlights include: Washer & dryer included,10-year structural warranty from original build date. Cottage HOA dues include exterior maintenance, including roof replacement and exterior paint on a scheduled program, providing true lock-and-leave convenience. As a resident of Latitude Margaritaville Watersound, you'll enjoy resort-style amenities including a state-of-the-art fitness center, indoor & outdoor pools, pickleball and tennis courts, walking trails, live entertainment, restaurants, clubs, and a vibrant social calendar—all just 7 miles from the sugar-white beaches of the Emerald Coast. A new commercial area adjacent to the community will feature a Publix grocery store, shopping, dining, and more, and a brand-new hospital is currently being built just 5 miles away, adding even more convenience. Come experience why so many choose to live the Latitude lifestyle—this Camellia Cottage is truly move-in ready and a must-see!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2023
Materials
- Foundation: Slab
- Roof: Composition,Shingle
- Construction materials: HardiPlank Type,Wood Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Florida
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Range,Gas Water Heater,Ice Maker,PlumbedForIce Maker,Tankless Water Heater
Bedroom
- Level: First
- Dimensions: 12.9 x 11.2
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Level: First
- Dimensions: 12.6 x 11
Family Room
- Level: First
- Dimensions: 16.2 x 14.1
Features
- Smart Thermostat,Home Theater
- Window features: Storm Window(s)
Garage
- Level: First
- Dimensions: 20.6 x 20
Heating & Cooling
- Heating features: Central,Electric,Forced Air,Zoned
- Cooling features: Central Air,Ceiling Fan(s),Zoned
Interior Area
- Total structure area: 1,315
- Total interior livable area: 1,315 sqft
Master Bedroom
- Level: First
- Dimensions: 12.1 x 12.2
Screened Porch
- Level: First
- Dimensions: 16 x 9.4
Property
Details
- Parcel number: 32503350574
- Attached to another structure: Yes
- Zoning description: Resid Single Family
- Special condition: Listed As-Is
Features
- Levels: One
- Stories: 1
- Pool features: Community
- Patio & porch: Porch,Screened
- Exterior features: Porch
- Spa features: Community
- On waterfront: Yes
Lot
- Lot size: 4,200 sqft
- Features: Paved
- Lot size dimensions: 42 x 100
Parking
- Total spaces: 2
- Parking features: Gated
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Hurricane
- Lightning
- Tornado
- Cold Wave
- Heat Wave
- Inland Flooding
- Strong Wind
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Bay County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,916 | $22,992 |
| Home Insurance * | $444 | $5,328 |
| Property Taxes | $250 | $3,000 |
| Electricity | $197 | $2,366 |
| Total | $2,807 | $33,684 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-26 | Price change | $391,900 |
| 2026-01-24 | Listed for sale | $400,900 |
| 2026-01-15 | Listing removed | $403,000 |
| 2025-11-11 | Price change | $403,000 |
| 2025-09-26 | Price change | $410,000 |
| 2025-08-15 | Price change | $418,000 |
| 2025-07-05 | Listed for sale | $425,000 |
| 2023-09-15 | Sold | $430,000 |
| 2023-08-31 | Pending sale | $455,000 |
| 2023-08-25 | Price change | $455,000 |
| 2023-08-14 | Price change | $465,000 |
| 2023-07-20 | Listed for sale | $475,000 |
| 2023-07-14 | Sold | $362,100 |
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