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8671 Shell Sink Dr, Panama City Beach, FL, 32413

2beds
2baths
1,315sqft
$449,000
$341price/sqft
$3,459/moest. monthly cost
$138,360/yrincome needed

About This Home

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. Kick off your flip-flops and step into island living with this fully furnished, nearly new 2-bedroom, 2-bath Camellia Cottage in Phase 4 of Latitude Margaritaville Watersound, a premier 55+ active adult community known for its vibrant lifestyle and world-class amenities. Thoughtfully designed and beautifully upgraded, this home offers the perfect blend of luxury, comfort, and the signature ''no worries'' Margaritaville state of mind. From the moment you enter through the upgraded glass front door, you're welcomed by bright, breezy interiors featuring plantation shutters, recessed lighting, designer paint, tasteful furnishings and upgraded laminate flooring, setting the tone for relaxed coastal living. The open-concept layout creates an inviting flow between the kitchen, dining, and living areas, ideal for entertaining, casual meals, or simply soaking in the laid-back island atmosphere. The kitchen is an island lover's dream, showcasing Level 5 cabinetry with pull-out shelves, a pots-and-pans drawer, crown molding, and an extended island accented by upgraded pendant lighting, perfect for conversations and a little cheeseburger in paradise. Matte black fixtures and hardware add a modern touch, while the gas range, undermount single-bowl sink, Advantage French-door refrigerator, and charming coffee/wine bar make everyday living a pleasure. The living area features decorative ceiling beams and a stylish ceiling fan, creating a cozy retreat after a day of sun and fun. The primary suite is a true sanctuary, complete with a custom built-in closet system and a spa-inspired bathroom featuring floor-to-ceiling tile shower with a seamless glass shower enclosure, cabinet stack drawers, and upgraded Level 5 cabinetry. The guest bedroom is perfectly positioned near a full bath with upgraded cabinetry and tile flooring, so your visitors have a taste of paradise too. Additional highlights include a well-appointed laundry room with cabinetry above the included Whirlpool washer and dryer (with pedestals), a garage laundry sink, TVs in every room, and the home is being sold fully furnished, allowing you to move right in and start living the Margaritaville lifestyle from day one. Life in Latitude Margaritaville Watersound revolves around the vibrant Town Square, the heart of the community where neighbors gather, music fills the air, and every day feels like a celebration. At its center is the stunning Paradise Pool, a resort-style oasis with sparkling waters, shady tiki huts, and plenty of space to relax while visiting with neighbors. Residents enjoy an unmatched amenity lineup, including an indoor lap pool, a state-of-the-art fitness center, spa services, pickleball, tennis and basketball courts, miles of walking and golf-cart trails, a kayak launch, and lush green spaces. Entertainment thrives at the Last Mango Theater, while creative spaces like the ''Clayground'' pottery studio and woodworking shop offer opportunities to learn, create, and connect. Even four-legged family members are pampered with an on-site pet groomer and the popular Barkaritaville Dog Park. Live music, outdoor activities and a lively monthly farmer's market bring island energy right to your doorstep, and best of all, no yard maintenance; with the HOA covering exterior painting and roof replacement. That means more time to relax and enjoy the good life. Just outside the neighborhood, convenience continues with a new Publix grocery store currently breaking ground, additional retail coming soon, a future marina under development, and a new hospital being built nearby for easy access to top-tier medical care. In Margaritaville, everything you need--fun, relaxation, convenience, and community is right at your fingertips. With shopping, dining, and entertainment just moments away, this home offers the perfect blend of luxury, convenience, and island inspired living, just bring your flip-flo

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
7/10
Surfside Middle SchoolGrades 6-87.7 mi
4/10
J.R. Arnold High SchoolGrades 9-128.4 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: HardiPlank Type,Steel Frame,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Florida
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Cooktop,Gas Oven,Gas 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

Great Room

  • Level: First
  • Dimensions: 16.2 x 14.1

Heating & Cooling

  • Heating features: Central,Electric,Forced Air,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

Master Bathroom

  • Level: First
  • Dimensions: 12.1 x 12.2

Porch

  • Level: First
  • Dimensions: 16 x 9.4

Property

Details

  • Parcel number: 32503400076
  • Attached to another structure: Yes
  • Zoning description: Resid Single Family
  • Special condition: Listed As-Is

Features

  • Pool features: Community
  • Patio & porch: Open,Porch
  • Spa features: Community
  • On waterfront: Yes

Lot

  • Lot size: 4,620 sqft
  • Features: Sprinkler System,Paved
  • Lot size dimensions: 42 x 110

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
    HurricaneVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Cold Wave
Heat Wave
Inland Flooding
Strong Wind
Wildfire
Tsunami

FEMA Declared Disasters in Bay County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

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

MonthlyAnnual
Mortgage $2,270$27,240
Home Insurance *$526$6,312
Property Taxes $466$5,592
Electricity $197$2,366
Total$3,459$41,508
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,594/yr
40% on housing$103,770/yr
45% on housing$92,240/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

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.

Insurance Growth Rate5-year average: 13.3%
13.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$341This listing

vs Other Active Listings

Avg $/sqft

ZIP 32413$288
Bay County$242

vs Homes Sold Last Month

Median $/sqft

ZIP 32413$311
Bay County$205

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

DateEventPrice
2026-05-11Pending sale$449,000
2025-12-31Listed for sale$449,000
2023-09-21Sold$387,700

For Sale by Agent

AgentNancy Glaze
BrokerageColdwell Banker Realty

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