What's in this guide
Overview: What Is Announced
Latitude Margaritaville Watersound is Minto Communities' Margaritaville-themed 55-plus community on Northwest Florida's Emerald Coast, near Panama City Beach and the Scenic Highway 30A corridor, built in partnership with Margaritaville Holdings and The St. Joe Company. It is now selling, with homes starting at $306,990.
Source: Latitude Margaritaville Watersound (Minto), 2026-06.Homes span four collections (Conch Cottages, Caribbean Villas, and the Beach and Island single-family collections), from about 1,210 to 2,568 square feet, and the initial phase is planned for around 3,500 homes.
Source: 55places, Latitude Margaritaville Watersound, 2026-06.Quick Facts (All Sourced)
| Category | What is announced |
|---|---|
| Builder | Minto Communities (with Margaritaville and St. Joe) |
| City / County | Panama City Beach, Bay County (32413) |
| Age restriction | 55+ active adult (HOPA) |
| Status | Now Selling (Town Square and 13 models open) |
| Prices | From $306,990 (builder-published) |
| Home sizes | ~1,210 to 2,568 sq ft, 2 to 3 bedrooms |
| Scale | Initial phase planned for ~3,500 homes |
| Schools | Age-restricted; Bay County is the district of record |
Pricing is builder-published as of mid-2026 and moves with each release. Confirm the current base price, lot premium, and HOA with Minto, and bring your own representation to the first visit.
Location & Context
The community is on the Emerald Coast near Panama City Beach and the 30A corridor in Bay County, with access to the Intracoastal Waterway.
Source: Latitude Margaritaville Watersound (Minto), 2026-06.It brings the established Latitude Margaritaville 55-plus brand (also in Daytona Beach and near Tampa) to Northwest Florida's beach market.
What Is Planned
Homes come in four collections from about 1,210 to 2,568 square feet, from attached Conch Cottages and Caribbean Villas to the Beach and Island single-family lines.
Source: 55places, Latitude Margaritaville Watersound, 2026-06.Amenities center on a Latitude Town Square with live music, a fitness center, a resort pool, a restaurant, and the brand's full active-adult lifestyle programming, with a town center under construction.
Source: Latitude Margaritaville Watersound (Minto), 2026-06.Taxes & Costs Context
Latitude Margaritaville Watersound is in Bay County, so property taxes follow the county millage, and the community carries an HOA covering its amenities.
Confirm the current HOA and whether any CDD applies; Minto Latitude communities are amenity-heavy, so the monthly fee funds the Town Square, pool, and programming. For context, the Bay County figure in our FY2025-26 millage file is a typical total of about 12.28 mills, and actual parcel totals vary by municipality and taxing district, so treat it as a planning number, not a quote.
Source: Momentum Realty millage file (FY2025-26, seeded from county property appraisers and Florida TaxWatch county averages), plus our Bay County property tax guide.Homes start at $306,990, an accessible entry for a branded 55-plus beach-market community, so budget the base price plus lot premium and the HOA.
Source: 55places, Latitude Margaritaville Watersound, 2026-06.Schools
As a 55-plus community, Latitude Margaritaville Watersound is age-restricted, so school assignment is generally not a buying factor; Bay County is the district of record.
The Timeline
Here is the dated record. It updates as Minto releases homes and completes amenities.
- 2026Latitude Margaritaville Watersound is actively selling from $306,990, with the Town Square and 13 models open and a town center under construction. Source: Latitude Margaritaville Watersound (Minto), 2026-06.
As Minto completes amenities and releases new phases, this page upgrades in place to a full guide with live listings.
Tell us your must-haves and budget. We will send Latitude Margaritaville Watersound release and pricing updates as Minto publishes them, and represent you, not the builder.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Bay County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Bay County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
Frequently Asked Questions
Is Latitude Margaritaville Watersound selling?
Who builds it and is it age-restricted?
How much do homes cost?
How big will it be?
Does it have a CDD?
Where is it?
Should I bring my own agent?
Related Reading
Plan the numbers and the area before you commit:
