8654 Coral Reef Way, Panama City Beach, FL 32413 (MLS# 794868)

8654 Coral Reef Way, Panama City Beach, FL 32413

$399,000

Front of cottage view with screened lanai

Staged virtually Open living area with upgraded custom beams and Vaulted ceilings with over sized chandelier

Upgraded Cabinets with quartz counters and upgraded extended island

View from Large dining room into kitchen/living room

Virtually staged Primary Bedroom with King size bed

private water closet and over-sized shower in primary bath

Utility room off kitchen leading to garage

Property Type: Residential Bedrooms: 2 Baths: 2 Square Footage: 1,308 Lot Size (sq. ft.): 3,920 Status: Active

Current Price: $399,000 List Date: 9/01/2026 Last Modified: 9/08/2026

Overview

Description

EXEMPT FROM THE WAIT TO BUILD: Welcome to 8654 Coral Reef Way, a pristine, turn-key ''Camellia'' floor plan from the highly sought-after Conch Cottage Collection in Latitude Margaritaville Watersound. This masterfully curated home offers immediate occupancy and features nearly $55,000 in premium interior and structural upgrades. Positioned inside a premium 55+ active-adult community, this open-concept layout showcases seamless luxury vinyl plank flooring, soft coastal-inspired color palettes, and impact-rated windows and doors for optimal peace of mind. The gourmet kitchen is anchored by a custom extended quartz island, 42-inch upgraded cabinetry, and Whirlpool® stainless steel appliances. The primary suite delivers a spa-like retreat with dual vanities and a frameless glass walk-in shower, complemented by a versatile secondary bedroom ideal for guests or a dedicated home office. Step out to the screened-in porch to enjoy the coastal breeze, or utilize the pristine, epoxy-coated garag … (Read more)

Supplements: EXEMPT FROM THE WAIT TO BUILD: Welcome to 8654 Coral Reef Way, a pristine, turn-key "Camellia" floor plan from the highly sought-after Conch Cottage Collection in Latitude Margaritaville Watersound. This masterfully curated home offers immediate occupancy and features nearly $55,000 in premium interior and structural upgrades. Positioned inside a p … (Read more)

Listing Details MLS# 794868

Contract Info

List Price/SqFt: 305.05

Location

Area: 04 – Bay County – North
Street #: 8654
Street Name: Coral Reef
Street Suffix: Way
State: FL
Zip Code: 32413
County: Bay
Sub Area: 0411 – Bay North – West Bay
Subdivision: Latitude at Watersound
Community/Resort: None
Waterfront: No
Parcel ID: 32503-350-480
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Directions: Hwy 79 north to left on West Bay and left on Coral Reef Way
Legal Description: LATITUDE AT WATERSOUND AREA 1 PHASE 4A LOT 4240 ORB 4688 P 311

General Property Info

Sub-Type: Attached Single Unit
Design: Beach House
Apx SqFt(Htd/Cooled): 1308
SqFt Source: Builders Plans
Full Baths: 2
Total Baths: 2
Accessory Dwelling Unit: No
Year Built: 2023
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Assigned Spaces: Yes
Lot Dimensions: 42.0 ft x 100.0 ft
Acreage: 0.09
Lot Size (SqFt): 3920
Pool: No

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 340.82
HOA Frequency: Monthly
HOA Annual Amount: 4089.84
Senior Community: Yes
New Buyer Fee: Yes
Last Taxes: 3169.44
Last Tax Year: 2025
Brokerage Interest: No Interest

Remarks & Misc

Remarks: EXEMPT FROM THE WAIT TO BUILD: Welcome to 8654 Coral Reef Way, a pristine, turn-key ''Camellia'' floor plan from the highly sought-after Conch Cottage Collection in Latitude Margaritaville Watersound. This masterfully curated home offers immediate occupancy and features nearly $55,000 in premium interior and structural upgrades. Positioned inside a premium 55+ active-adult community, this open-concept layout showcases seamless luxury vinyl plank flooring, soft coastal-inspired color palettes, and impact-rated windows and doors for optimal peace of mind. The gourmet kitchen is anchored by a custom extended quartz island, 42-inch upgraded cabinetry, and Whirlpool® stainless steel appliances. The primary suite delivers a spa-like retreat with dual vanities and a frameless glass walk-in shower, complemented by a versatile secondary bedroom ideal for guests or a dedicated home office. Step out to the screened-in porch to enjoy the coastal breeze, or utilize the pristine, epoxy-coated garage. Located in a preferred X Flood Zone with NO CDD fees, the property features a high-efficiency Carrier® HVAC and a Rinnai® tankless water heater. The monthly HOA comprehensively covers landscaping and exterior maintenance, unlocking a zero-chore lifestyle. Walk, bike, or golf-cart to the premier Town Center amenities, including the Paradise Pool and cabanas, live music pavilion, Fins Up! Fitness Center, pickleball courts, and the signature Latitude Bar & Chill.

Appliances

Cooktop – Gas: Yes
Dishwasher: Yes
Disposal: Yes
Oven – Gas: Yes
Range – Gas: Yes

More Information

Interior Features

Ceiling – Beamed: Yes
Ceiling – Vaulted: Yes
Floor – Laminate: Yes
Floor – Tile: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes
Pantry: Yes
Split Bedroom: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Wood/Frame: Yes
Roof – Composite Shngl: Yes
Siding – Hardie Board: Yes
Trim – Vinyl: Yes

Exterior

Porch Covered: Yes
Porch Screened: Yes
Sprinkler System: Yes

Association Fees Include

Accounting: Yes
Business Center: Yes
Community Room: Yes
Exercise Room: Yes
Gated Community: Yes
Ground Keeping: Yes
Management: Yes
Master Association: Yes
Pool: Yes
Recreational Faclty: Yes
Tennis: Yes
Theater: Yes
Whirlpool: Yes

Financing

Cash: Yes
Conventional: Yes
FHA: Yes
VA: Yes

Furnished

Unfurnished: Yes

Lot Features

Close to Clubhouse: Yes
Covenants & Rescrictions: Yes
Subdivision – Recorded: Yes

Lot Access

Gated Access: Yes
Paved Road: Yes

Parking Features

Assigned: Yes
Garage Attached: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Basketball Court: Yes
Business Center: Yes
Community Room: Yes
Exercise Room: Yes
Gated Community: Yes
Pool: Yes
Tennis: Yes
Theater: Yes
Whirlpool: Yes
Dog Park: Yes
Pickle Ball: Yes
Recreation Facilities: Yes
Sidewalks: Yes

Rooms

Bedroom: Yes
Dining Room: Yes
Living Room: Yes
Primary Bedroom: Yes

Showing

ShowingTime: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Natural Gas – Connected: Yes
Internet – Fiber Optic: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Sale Type

As Is: Yes

Cooling

Central Air: Yes
Electric: Yes
Heat Pump: Yes

Heating

Central: Yes
Electric: Yes
Heat Pump: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Shower Only: Yes
MBed Walk-in Closet: Yes

Security Features

Carbon Monoxide Detector: Yes
Gated Community: Yes
Smoke Detector(s): Yes

Property Features

Appliances: Cooktop – Gas; Dishwasher; Disposal; Oven – Gas; Range – Gas Cooling: Central Air; Electric; Heat Pump Heating: Central; Electric; Heat Pump Exterior: Porch Covered; Porch Screened; Sprinkler System Association Fees Include: Accounting; Business Center; Community Room; Exercise Room; Gated Community; Ground Keeping; Management; Master Association; Pool; Recreational Faclty; Whirlpool; Tennis; Theater Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Lot Features: Close to Clubhouse; Covenants & Rescrictions; Subdivision – Recorded Lot Access: Gated Access; Paved Road Security Features: Carbon Monoxide Detector; Gated Community; Smoke Detector(s) Parking Features: Assigned; Garage Attached Association Amenities: Basketball Court; Business Center; Community Room; Dog Park; Exercise Room; Gated Community; Pickle Ball; Pool; Recreation Facilities; Sidewalks; Whirlpool; Tennis; Theater Rooms: Bedroom; Dining Room; Living Room; Primary Bedroom Sale Type: As Is Showing: ShowingTime Utilities: TV Cable; Electricity – Connected; Internet – Fiber Optic; Natural Gas – Connected; Public Sewer – Connected; Public Water – Connected Present Zoning: Resid Single Family

Room Information

Room Name	Dimensions	Length	Width
Primary Bedroom	12.2 x 12.1	12.20	12.10
Bedroom	12.9 x 11.2	12.90	11.20
Living Room	16.2 x 14.1	16.20	14.10
Dining Room	12.6 x 11.1	12.60	11.10

Listing Office: Coldwell Banker Realty

Last Updated: September – 08 – 2026

Information deemed reliable but not guaranteed.