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8456 Dreams Float Ct, Panama City Beach, FL, 32413

2beds
2baths
1,472sqft
$446,000
$303price/sqft
$3,432/moest. monthly cost
$137,280/yrincome needed

About This Home

Welcome to Latitude Margaritaville Watersound, a true resort-style, active adult 55+ community where every day feels like vacation! Step into the best of low maintenance resort-style living in this barely lived in Aloha Cottage home. Perfectly situated in Phase 5 near the golf cart underpass which gets you to the Town Square amenities in just a few minutes. This thoughtfully designed home sitting on a premium end lot surrounded by green space offers 2 spacious bedrooms & 2 full baths and ''Den/Office'' room for extra living area. Spacious open concept floorplan with vaulted ceilings and an abundance of natural light! The kitchen with center island overlook the main living & dining areas, making it ideal for entertaining! Fresh neutral paint and durable laminate flooring with carpet in guest room and den/office room. This home is immaculate and move-in ready!! Split bedroom plan assures privacy for all. The spacious primary suite has a fabulous walk in closet and dual sinks and a tiled shower. The guest suite is on the opposite end of the home adjacent to the 2nd full bath. A fabulous screened front porch is an ideal place to sip your morning coffee, curl up with a good book or relax with a glass of wine after a long day! Equipped with an attached 2 car garage plus designated parking space and the garage has newly epoxy flooring and an added wash-tub sink. This perfect primary, second home or investment property is ready for immediate move-in. This house is ready for you to start enjoying the fabulous Latitude lifestyle! HOA reserves for exterior paint, roof replacement & shared driveways. Peaceful setting in established area of the neighborhood means you don't have to put up with the noise and mess of new construction! Whether it's a sunset golf cart ride, cocktails by the pool or mingling with neighbors at one of the many social functions, this is a place where every day feels like a vacation. Latitude Margaritaville Watersound offers world class amenities including a Town Square boasting a bandshell with live music every Friday and Saturday evenings. Homeowners also enjoy the resort-style pool and on-site Bar & Chill restaurant and Overlook Bar which sit along the Intracoastal waterway offering spectacular sunset views. There is also a state-of-the-art fitness center with indoor lap pool & spa as well as an abundance of fitness classes. Golf cart, bike and walking trails are abundant throughout the community. Other amenities include tennis & pickleball courts, bocce ball, cornhole, putting green, ping-pong, kayak launch, theater, ceramics studio, woodworking shop, dog/pet grooming, Barkaritaville dog park & and more. Future nearby developments include a Marina (coming in 2027), Publix and commercial shopping/dining area (2027), Health Care Campus within new hospital (2027) and just 7 miles to the picturesque Emerald Coast beaches. This is more than just a home-it's a gateway to the Latitude Margaritaville lifestyle. This meticulously maintained home in prime phase 5 location is ready for you to enjoy the Latitude lifestyle! Call today to schedule your private showing! Welcome to Latitude Margaritaville Watersound, a true resort-style, active adult 55+ community where every day feels like vacation! Step into the best of low maintenance resort-style living in this barely lived in Aloha Cottage home. Perfectly situated in Phase 5 near the golf cart underpass which gets you to the Town Square amenities in just a few minutes. This thoughtfully designed home sitting on a premium end lot surrounded by green space offers 2 spacious bedrooms & 2 full baths and "Den/Office" room for extra living area. Spacious open concept floorplan with vaulted ceilings and an abundance of natural light! The kitchen with center island overlook the main living & dining areas, making it ideal for entertaining! Fresh neutral paint and durable laminate flooring with carpet in guest room and den/office room. This home is immaculate and move-in ready!! Split bedroom plan assures privacy for all. The spacious primary suite has a fabulous walk in closet and dual sinks and a tiled shower. The guest suite is on the opposite end of the home adjacent to the 2nd full bath. A fabulous screened front porch is an ideal place to sip your morning coffee, curl up with a good book or relax with a glass of wine after a long day! Equipped with an attached 2 car garage plus designated parking space and the garage has newly epoxy flooring and an added wash-tub sink. This perfect primary, second home or investment property is ready for immediate move-in. This house is ready for you to start enjoying the fabulous Latitude lifestyle! HOA reserves for exterior paint, roof replacement & shared driveways. Peaceful setting in established area of the neighborhood means you don't have to put up with the noise and mess of new construction! Whether it's a sunset golf cart ride, cocktails by the pool or mingling with neighbors at one of the many social functions, this is a place where every day feels like a vacation. Latitude Margaritaville Watersound offers world class amenities including a Town Square boasting a bandshell with live music every Friday and Saturday evenings. Homeowners also enjoy the resort-style pool and on-site Bar & Chill restaurant and Overlook Bar which sit along the Intracoastal waterway offering spectacular sunset views. There is also a state-of-the-art fitness center with indoor lap pool & spa as well as an abundance of fitness classes. Golf cart, bike and walking trails are abundant throughout the community. Other amenities include tennis & pickleball courts, bocce ball, cornhole, putting green, ping-pong, kayak launch, theater, ceramics studio, woodworking shop, dog/pet grooming, Barkaritaville dog park & and more. Future nearby developments include a Marina (coming in 2027), Publix and commercial shopping/dining area (2027), Health Care Campus within new hospital (2027) and just 7 miles to the picturesque Emerald Coast beaches. This is more than just a home-it's a gateway to the Latitude Margaritaville lifestyle. This meticulously maintained home in prime phase 5 location is ready for you to enjoy the Latitude lifestyle! Call today to schedule your private showing!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

6/10
7/10
Surfside Middle SchoolGrades 6-87.9 mi
4/10
J.R. Arnold High SchoolGrades 9-128.5 mi

Construction

Condition

  • Year built: 2024

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: Washer/Dryer Stacked,Electric Cooktop,Electric Range
  • Laundry features: Stacked

Bedroom

  • Level: First
  • Dimensions: 10.9 x 14.11

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Dimensions: 12.7 x 14.2

Features

  • Smart Thermostat,Home Theater

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 1,472
  • Total interior livable area: 1,472 sqft

Kitchen

  • Level: First
  • Dimensions: 17.3 x 17.5

Living Room

  • Level: First
  • Dimensions: 13.2 x 14.2

Master Bedroom

  • Level: First
  • Dimensions: 13.1 x 14.7

Office

  • Level: First
  • Dimensions: 10.3 x 10.8

Property

Details

  • Parcel number: 32503500176
  • Attached to another structure: Yes
  • Special condition: Listed As-Is

Features

  • Levels: One
  • Stories: 1
  • Pool features: Community
  • Patio & porch: Porch,Screened
  • Exterior features: Porch,Rain Gutters

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
    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 $2,255$27,060
Home Insurance *$522$6,264
Property Taxes $458$5,496
Electricity $197$2,366
Total$3,432$41,184
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$117,668/yr
40% on housing$102,960/yr
45% on housing$91,520/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

$303This 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)

Price History

DateEventPrice
2026-04-14Listed for sale$446,000
2024-02-13Sold$386,600

For Sale by Agent

AgentAlisa Walley
BrokerageColdwell Banker Realty

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