Skip main navigation
For sale
  • Price cut: $6K (8/27)
    $399,900

    8645 Sand Dollar Dr, Panama City Beach, FL 32413

    2beds
    1,315sqft
    : 
    $2,909/mo
    Get pre-qualified
    Single Family Residence
    Built in 2025
    3,920 Square Feet Lot
    $-- Zestimate®
    $304/sqft
    $341/mo HOA

    What's special

    CAMELLIA COTTAGE in Phase 6BC of Latitude Margaritaville Watersound -- if a private cottage setting is high on your wish list, you may have found your spot. Some homes are about upgrades. Some are about location. This one gives you both, but what may surprise you most is the privacy. Sit down on the front screened porch and look around. You can't even see another home. While preparing this description from that very porch, I didn't see another person the entire time. Just trees, peace and quiet, and privacy that's difficult to find with a cottage. You may catch some morning sunshine, but by lunchtime the porch settles into shade for the rest of the day. Add a comfortable chair, something cold to drink, and your four-legged sidekick, and you may not want to go inside. Eventually, though, you should -- because that's where the surprises begin. This Camellia is almost like a game of hide-and-seek. The owners added custom touches throughout. Customized walls, clever storage and little extras appear around every corner. Open doors and pull out drawers -- there's always another surprise waiting. The kitchen features custom cabinetry, beautiful countertops, designer backsplash, upgraded electric stove tastefully done. Open the lower cabinets and you'll discover pull-out shelving that makes everything easy to reach. And whatever you do, check out the pantry. There's a hidden surprise waiting for you. The upgrades continue with beautiful flooring, cabinetry and countertops, custom lighting and ceiling fans. Metal storm shutters are also included to help protect the windows when needed. The laundry room features aftermarket cabinetry for additional storage, and the refrigerator, washer and dryer may also remain with the home. Then there is the garage -- because apparently they weren't finished upgrading yet. You'll find an upgraded epoxy-coated floor, ceiling fan and other extras that make this more than a place to park the golf cart. And then there is *Phase 6BC.* This location gives you privacy without putting you far from the action. Flip Flop Square, with green space, tiki-style pavilions, grills and neighborhood gatherings, is nearby. When you're ready for the bigger party, Latitude Town Square and the community's multimillion-dollar amenity complex are just a short golf cart ride away. Here's something people who don't live here may not realize: from Phase 6, take the community pathway into Phase 4 and continue toward the amenity center without traveling along West Bay Parkway. It's one of those little conveniences that becomes a pretty big deal once you live here -- grab the golf cart and go. And where exactly are you going? Maybe it's Fins Up! Fitness Center, pickleball with friends, the resort-style Paradise Pool, indoor lap pool, dinner and drinks, or live music at Town Square. There are walking and biking trails, tennis, a dog park, clubs, activities and community events. Around here, filling your calendar isn't difficult. Leaving yourself a free afternoon might be. The convenience outside the community continues to grow. The new Publix-anchored commercial area along Highway 79 is no longer just something on a drawing -- Publix is under construction and the walls are going up. Just a few miles down the road, construction on the new hospital is visibly moving forward. And when the beach starts calling, the white sand and emerald waters of Panama City Beach are approximately seven miles away, as well as other popular Northwest Florida destinations within easy reach. But here's the funny thing about this Camellia: after spending an afternoon on that private, shaded porch, you might not be in much of a hurry to go anywhere. Privacy when you want it. Margaritaville when you don't. That's a pretty good way to live. Bring the flip-flops. Bring the golf cart. And definitely check the pantry. Welcome home to your Camellia Cottage in Phase 6BC.
    16 days
    832
    41

    Zillow last checked:

    Listing updated:

    Listed by:

    Robert McGuigan 850-329-8454,

    Watersound Real Estate,

    Jeremy A Mertens 423-805-0518,

    Watersound Real Estate

    Source: CPAR,MLS#: 793975MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 2
      • Bathrooms: 2
      • Full bathrooms: 2
      Rooms
      • Room types: Bedroom, Primary Bedroom
      Primary bedroom
      • Level: First
      • Dimensions: 12.83 x 12.17
      Bedroom
      • Level: First
      • Dimensions: 12.75 x 11.17
      Features
      • Main Level Primary
      Interior area
      • Total structure area: 1,315
      • Total interior livable area: 1,315 sqft

      Property

      Parking
      • Total spaces: 2
      • Parking features: Garage
      • Garage spaces: 2
      Features
      • Pool features: Community
      Lot
      • Size: 3,920 Square Feet
      • Dimensions: 42.0 ft x 100.0 ft
      Details
      • Parcel number: 32503650154

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Florida
      • Property subtype: Single Family Residence
      • Attached to another structure: Yes
      Condition
      • New construction: No
      • Year built: 2025

      Utilities & green energy

      • Sewer: Public Sewer
      • Utilities for property: Underground Utilities

      Community & HOA

      Community
      • Features: Community Pool
      • Senior community: Yes
      • Subdivision: Latitude at Watersound
      HOA
      • Has HOA: Yes
      • Amenities included: Gated, Barbecue, Picnic Area
      • Services included: Fitness Facility, Maintenance Grounds, Pool(s), Recreation Facilities, Tennis Courts
      • HOA fee: $341 monthly
      Location
      • Region: Panama City Beach

      Financial & listing details

      • Price per square foot: $304/sqft
      • Tax assessed value: $40,000
      • Annual tax amount: $572
      • Date on market: 8/13/2026
      • Cumulative days on market: 16 days

        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        DateEventPrice
        8/27/2026Price change$399,900-1.5%$304/sqft
        Source: CPAR #793975 Report a problem
        8/14/2026Listed for sale$405,900+11.1%$309/sqft
        Source: CPAR #793975 Report a problem
        3/26/2025Sold$365,400$278/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$494 $40,000 +3301.4%
        2023-- $1,176
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        See how much you could borrow to make a competitive offer.

        Climate risks

        Neighborhood: 32413

        Getting around

        0 / 100
        Car-Dependent
        25 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: West Bay
        • Middle: Surfside
        • High: Arnold

        Source: CPAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

        A local agent can set up tours, give advice and negotiate with sellers.

        A local lender can help you make sure your offer is ready when you are.

        Browse local experts