8357 Fins Up Ct, Panama City Beach, FL, 32413
About This Home
CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. Welcome to your dream home in Latitude Margaritaville Watersound! This stunning Camellia Cottage is perfectly situated in close-in, highly sought-after Phase 3, offering quick and easy access to all the world-class amenities and golf cart paths that make this community so special. This beautifully upgraded home showcases many of the features found in the model Camellia, including burlap-colored cabinetry, bronze hardware and fixtures, pull-outs, Kitchen-Aid upgraded appliances, upgraded lighting, and a gorgeous granite countertop with coordinating backsplash. The kitchen also features a charming coffee bar area and refrigerator that conveys--perfect for everyday living and entertaining. The open-concept living space is designed to impress with a vaulted, beamed ceiling in the family room and Revwood by Mohawk flooring throughout. The dining area is elevated with a custom shiplap feature wall, creating a warm coastal feel, complemented by upgraded lighting throughout the home. Retreat to the spacious primary suite, featuring a luxurious en-suite bath with a level 5 designer tile shower, frameless glass enclosure, and bronze fixtures. The secondary bedroom is conveniently located next to a full bath with upgraded tile and granite finishes, ideal for guests. Enjoy the Florida lifestyle year-round from your screened porch, with easy access to nearby amenities and scenic golf cart trails. This home also offers low-maintenance living with HOA dues covering roof replacement and exterior paint on a maintenance schedule, along with full lawn care, a 10 year structural warranty from the original build date conveys to buyer, giving you peace of mind and more time to enjoy the lifestyle. Latitude Margaritaville Watersound is a premier 55+ active adult community located just minutes from the beautiful Emerald Coast beaches. Residents enjoy resort-style pools, fitness center, pickleball and tennis courts, on-site dining, live entertainment, walking and biking trails, and a vibrant social calendar. The community is also conveniently located near the new Publix shopping center, dining options, and a state-of-the-art hospital just a short drive away, with future plans including a marina and additional retail--all accessible by golf cart. Don't miss this opportunity to own a highly upgraded home in one of the most desirable phases of Latitude Margaritaville Watersound and start living the Latitude 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,Wood Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Florida
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Range,Gas Water Heater,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
Features
- Smart Thermostat,Home Theater
- Window features: Double Pane Windows
Garage
- Level: First
- Dimensions: 20.6 x 20
Heating & Cooling
- Heating features: Central,Electric,Heat Pump
- Cooling features: Central Air,Ceiling Fan(s),Heat Pump
Interior Area
- Total structure area: 1,315
- Total interior livable area: 1,315 sqft
Living Room
- Level: First
- Dimensions: 16.2 x 14.1
Master Bedroom
- Level: First
- Dimensions: 12.1 x 12.2
Property
Details
- Parcel number: 32503300270
- Attached to another structure: Yes
- Zoning description: Resid Single Family
- Special condition: Listed As-Is
Features
- Pool features: Community
- Patio & porch: Covered,Porch,Screened
- Exterior features: Porch,Rain Gutters
- Spa features: Community
- On waterfront: Yes
Lot
- Lot size: 4,200 sqft
- Features: Sprinkler System,Paved
- Lot size dimensions: 42 x 100
Parking
- Total spaces: 2
- Parking features: Additional Parking,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 | $2,022 | $24,264 |
| Home Insurance * | $468 | $5,616 |
| Property Taxes | $307 | $3,684 |
| Electricity | $197 | $2,366 |
| Total | $2,994 | $35,928 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-14 | Pending sale | $349,000 |
| 2026-05-12 | Price change | $349,000 |
| 2026-05-01 | Listed for sale | $399,900 |
| 2022-12-09 | Sold | $301,500 |
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