8635 Conch Shell Ct, Panama City Beach, FL, 32413
About This Home
Welcome to your own slice of paradise in Latitude Margaritaville Watersound Phase 2! Ideally situated in a prime location just moments from the community amenities, this beautifully upgraded and completely furnished Bamboo Cottage is truly turnkey -- simply bring your clothes and start enjoying the ultimate permanent vacation lifestyle. This thoughtfully designed cottage features numerous upgrades throughout, including quartz countertops in the kitchen and both bathrooms, upgraded soft-close cabinetry, glass-front cabinet doors, pull-out shelving, and stainless steel appliances. The kitchen is fully stocked with dishes, cookware, and kitchen essentials, making move-in effortless. The open-concept living space is enhanced with upgraded lighting and ceiling fans throughout, while TVs in the great room and both bedrooms provide comfort and convenience. Both bedrooms are furnished with king-size beds, and all window treatments and linens are included. The spacious primary suite offers a beautifully upgraded bath with tiled glass-enclosed shower and linen closet. The guest bath features a tub/shower combination with tile upgrades. The laundry room includes a washer and dryer along with additional storage cabinetry. Outside, enjoy relaxing on the inviting front porch complete with a table, chairs, and loveseat -- perfect for morning coffee or evening cocktails. The oversized 2-car garage features an epoxy-coated floor, storage shelving, and included beach gear. This exceptional home offers the perfect blend of luxury, comfort, and convenience in one of the area's most desirable active adult communities. Move right in and start living the Margaritaville lifestyle today! Latitude Margaritaville is located just 7 miles from the stunning white sand beaches of the emerald gulf coast. Residents enjoy resort style living with a state of the art fitness center, pickle ball courts ,lagoon style paradise pool, on site dining ,live entertainment and a full calendar of events and social activities. HOA includes all landscaping and use of the amenities giving you a truly carefree lifestyle!!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2022
Materials
- Foundation: Slab
- Roof: Composition,Shingle
- Construction materials: HardiPlank Type,Vinyl Siding,Wood Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Florida
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Gas Range,Tankless Water Heater
Bedroom
- Level: First
- Dimensions: 12.1 x 13.2
Bedroom
- Level: First
- Dimensions: 11.8 x 11.2
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Level: First
- Dimensions: 10 x 11
Features
- Smart Thermostat,Home Theater
Garage
- Level: First
- Dimensions: 20.6 x 20.1
Great Room
- Level: First
- Dimensions: 16.8 x 13.2
Heating & Cooling
- Heating features: Heat Pump
- Cooling features: Central Air,Ceiling Fan(s),Heat Pump
Interior Area
- Total structure area: 1,200
- Total interior livable area: 1,200 sqft
Porch
- Level: First
- Dimensions: 14.1 x 9.4
Property
Details
- Parcel number: 32503200124
- 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: Open,Porch
Lot
- Lot size: 4,200 sqft
- Lot size dimensions: 42 x 100
Parking
- Total spaces: 2
- Parking features: Garage,Garage Door Opener,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 | $2,073 | $24,876 |
| Home Insurance * | $480 | $5,760 |
| Property Taxes | $462 | $5,544 |
| Electricity | $197 | $2,366 |
| Total | $3,212 | $38,544 |
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 |
|---|---|---|
| 2026-05-07 | Listed for sale | $410,000 |
| 2026-02-25 | Listed for rent | $2,995 |
| 2025-04-21 | Listing removed | $2,875 |
| 2025-04-12 | Price change | $2,875 |
| 2025-03-19 | Price change | $2,975 |
| 2025-02-04 | Listed for rent | $3,150 |
| 2024-06-18 | Listing removed | -- |
| 2024-04-20 | Listed for rent | $3,000 |
| 2024-01-16 | Listing removed | -- |
| 2023-12-18 | Price change | $2,850 |
| 2023-10-23 | Price change | $2,950 |
| 2023-10-14 | Listed for rent | $3,000 |
| 2022-10-17 | Listing removed | -- |
| 2022-08-11 | Listed for rent | $3,000 |
| 2022-07-31 | Listing removed | -- |
| 2022-07-01 | Listed for rent | $3,000 |
| 2022-06-20 | Sold | $292,900 |
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