9323 Cool Breeze Dr, Panama City Beach, FL, 32413
About This Home
Best value Nevis Villa with private pool and spa in Latitude Margaritaville Watersound--built in 2024 and fully upgraded. You're not just buying into Margaritaville--you're getting the lifestyle and your own private retreat. This Nevis Villa is already dialed in. Coastal, clean, and customized in all the right ways--upgraded laminate flooring, tile in the bathrooms, designer lighting, tray ceiling, feature wall, and shiplap accents that give the home character without overdoing it. It feels finished the moment you walk in... because it is. The kitchen is open and functional with quartz countertops, ample cabinetry, and a large island that flows seamlessly into the living and dining areas--perfect for everyday living or hosting when friends and family come to visit. And then you step outside... and this is where it stands apart. Private pool and spa already in place--so you can start enjoying it from day one. The screened-in lanai backs to a natural setting with no rear neighbors, offering a peaceful, private backdrop that's hard to find and easy to appreciate. The covered porch extends your living space outdoors, making it just as comfortable as it is functional. Located in Latitude Margaritaville Watersound, one of the most sought-after 55+ communities along the Emerald Coast, this home offers a move-in ready opportunity with the upgrades already completed--so you can settle in and start enjoying it right away. Simple. Comfortable. And exactly what most buyers are hoping to find.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2024
Materials
- Roof: Shingle
- Construction materials: HardiPlank Type
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Range,Tankless Water Heater
Bedroom
- Level: First
- Dimensions: 12.4 x 13.11
Bedroom
- Level: First
- Dimensions: 12.4 x 13.6
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Den
- Level: First
- Dimensions: 10.4 x 10
Dining Room
- Level: First
- Dimensions: 17.4 x 9.1
Features
- Home Theater
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 1,852
- Total interior livable area: 1,852 sqft
Kitchen
- Level: First
- Dimensions: 12 x 10
Living Room
- Level: First
- Dimensions: 17.4 x 16.11
Master Bedroom
- Level: First
- Dimensions: 14.7 x 13
Property
Details
- Parcel number: 32503600076
- Attached to another structure: Yes
- Zoning description: Resid Multi-Family
Features
- Levels: One
- Stories: 1
- Private pool: Yes
- Pool features: Gunite,Gas Heat,In Ground,Salt Water,Community,Private
- Patio & porch: Enclosed,Patio,Covered,Porch
- Exterior features: Patio
Lot
- Lot size: 5,980 sqft
- Features: Sprinkler System
- Lot size dimensions: 46 x 130
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 | $3,135 | $37,620 |
| Home Insurance * | $726 | $8,712 |
| Property Taxes | $620 | $7,440 |
| Electricity | $197 | $2,366 |
| Total | $4,678 | $56,136 |
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 |
|---|---|---|
| 2026-04-14 | Listed for sale | $630,000 |
| 2024-04-30 | Sold | $632,000 |
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