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9323 Cool Breeze Dr, Panama City Beach, FL, 32413

3beds
2baths
1,852sqft
$620,000
$335price/sqft
$4,678/moest. monthly cost
$187,120/yrincome needed

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

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
7/10
Surfside Middle SchoolGrades 6-88.1 mi
4/10
J.R. Arnold High SchoolGrades 9-128.8 mi

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
    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 $3,135$37,620
Home Insurance *$726$8,712
Property Taxes $620$7,440
Electricity $197$2,366
Total$4,678$56,136
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$160,388/yr
40% on housing$140,340/yr
45% on housing$124,746/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

$335This listing

vs Other Active Listings

Avg $/sqft

ZIP 32413$287
Bay County$241

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$630,000
2024-04-30Sold$632,000

For Sale by Agent

AgentPaige A Brown
BrokerageColdwell Banker Realty

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