8606 Sand Dollar Dr, Panama City Beach, FL, 32413
About This Home
Step into this beautifully upgraded end-unit cottage in Latitude Margaritaville Watersound, where 55+ living feels like a permanent vacation without the wait of ongoing construction. Located in a fully completed section of the neighborhood, this 2-bedroom, 2-bath home with a two-car garage offers 1,472 square feet of thoughtfully designed, turnkey space. With an east-facing entry and a south-facing porch, the home is filled with natural light in all the right places, while the screened porch stays comfortably shaded even in peak summer, creating a true year-round outdoor retreat. Its positioning also offers added privacy and a little extra breathing room. Inside, the layout strikes that sweet spot between open-concept living and functional separation. The main living area flows seamlessly into the kitchen and dining space, making everyday living and entertaining feel effortless. The primary suite is tucked away for privacy, featuring a spacious bedroom, a well-appointed bath, and a custom closet system. The guest bedroom and bath offer a comfortable, welcoming setup for visitors. Freshly painted and lightly lived in for just six months, the home is layered with thoughtful upgrades that go well beyond builder-grade. Designer lighting, plantation shutters, and custom closets throughout bring a polished, high-end feel. An Aqua Pro water softener and HVAC blue light air purification system add comfort and efficiency, while hurricane-resistant windows and doors provide peace of mind. Wood flooring and custom built-ins round out the elevated finishes. Beyond the home, the lifestyle at Latitude Margaritaville Watersound is where things really shine. Residents enjoy resort-style pools, fitness centers, on-site dining and bars, live music, and a full calendar of social events, clubs, and gatherings. From casual happy hours to community-wide celebrations, there is always something going on, making it easy to stay connected and fully lean into the Margaritaville way of life.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2025
Materials
- Foundation: Slab
- Roof: Shingle
- Construction materials: HardiPlank Type
Type & Style
- Home type: SingleFamily
- Architectural style: Bungalow
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Oven
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Level: First
- Dimensions: 12.5 x 11.8
Features
- Smart Thermostat,Home Theater
- Window features: Double Pane Windows
Heating & Cooling
- Heating features: Electric,Forced Air,Heat Pump
- Cooling features: Central Air,Ceiling Fan(s),Heat Pump
Interior Area
- Total structure area: 1,472
- Total interior livable area: 1,472 sqft
Living Room
- Level: First
- Dimensions: 17.1 x 15
Property
Details
- Parcel number: 32503650662
- Attached to another structure: Yes
- Zoning description: Resid Single Family
Features
- Levels: One
- Stories: 1
- Pool features: Other,Community
- Patio & porch: Porch,Screened
- Exterior features: Porch,Rain Gutters
- Spa features: Community
Lot
- Lot size: 3,920 sqft
- Features: Sprinkler System,Paved
- Lot size dimensions: 100 x 42 x 35 x 37.33 x 7 x 62.67
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 | $2,270 | $27,240 |
| Home Insurance * | $526 | $6,312 |
| Property Taxes | $462 | $5,544 |
| Electricity | $197 | $2,366 |
| Total | $3,455 | $41,460 |
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 |
|---|---|---|
| 2026-03-25 | Listed for sale | $479,900 |
| 2025-08-26 | Sold | $427,700 |
View on Zillow