Aqua
Condos for Sale in Panama City Beach, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via CPAR MLS
As of September 2026, Aqua in Panama City Beach, FL has 17 homes for sale, asking from $549,000 to $1,200,000 (median $734,000). Over the 12 months ending 2026-09-12, 5 recorded sales closed at a median of $910,000, a median 109 days on market, sellers accepting 91% of original asking (+48% versus the prior year). Homes listed or recently sold were built 2007–2007; 17 of 17 report an HOA (median $776/mo); 16 of the 16 geocoded homes sit in a FEMA special flood hazard zone (median elevation 20 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $11,170 ($10,690 with the full homestead exemption).
Homes For Sale Right Now in Aqua
Live MLS inventory for Aqua. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Aqua listings as of 2026-09-12, priced high to low. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Tap any home to ask about it.
Aqua's numbers describe a market that is holding value rather than chasing it. The median price sits at $637,500 with no year-over-year movement, and homes are taking roughly 100 days to close — a pace that rewards patience over urgency on both sides of a transaction.
With only 8 closings in the current window, this is a thin-data community: a single high or low sale can shift the median meaningfully. Treat the price point as a directional signal, not a precise valuation, and lean on comparable-unit specifics rather than the community average when pricing or offering.
Aqua right now
🟢 Still climbing. The trailing-12-month median ($910K) is up 48.0% from the prior 12 months ($615K) and up 132% since 2012. With about 25 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level CPAR MLS closed sales, 12-month windows ending September 12. Confidence: Low (5 and 9 sales in the two windows).
What's unique here: the median sale price is about 3x the typical Bay County sale ($910K vs $350K, trailing 12 months, CPAR MLS records).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated September 12, 2026 · Live data: CPAR MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Aqua market snapshot (as of September 12, 2026): the median sale price is about $910K, and a median 109 days on market for closed sales. The trailing-12-month median is up 48% from the prior 12 months and up 132% since 2012, computed from record-level CPAR MLS closed sales (5 closings in the current window).
Aqua is a Panama City Beach community in Bay County where prices have climbed 63% since 2012, but the current market heat score of 25 signals a slow, buyer-patient stretch rather than competitive bidding.
The setting & the homes.
Aerial and on-site photos of Aqua. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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AquaPhotos from CPAR MLS listings in Aqua; content deemed reliable but not guaranteed.
Who Aqua is best for.
Best for
- Buyers who can move without a deadline and want negotiating room built into the timeline
- Buyers focused on long-term hold potential who are comfortable with a flat year-over-year snapshot
- Buyers willing to verify unit-level features and amenities directly rather than rely on community-wide claims
Probably not for
- Buyers who need a fast close in a low-heat, 100-day-average market
- Buyers who want a large comparable-sales pool to lean on before pricing an offer
- Buyers who require confirmed on-site amenities as a condition of the purchase
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level CPAR MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($910K) IS the median in the snapshot above, and the move from 2025 ($615K) IS the +48.0% one-year change.
Windows contain 5 to 66 sales each (5 in the current window); every figure carries its sample size, and thin markets swing on single closings. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
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.
Aqua Market Scorecard
Aqua is currently a thin data market. Limited supply, a median asking price of $734,000, and homes go under contract in about 170 days.
Typical home value in the 32413 ZIP is $470,917, about 24.3% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Aqua, Panama City Beach
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
Aqua on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from CPAR MLS. Map data © OpenStreetMap, tiles © CARTO.
The Aqua buying strategy.
If we were buying in Aqua today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Aqua.
A market priced on condition, not competition
A market heat score of 25 combined with a 100-day median days-on-market tells the real story here: listings are not moving on urgency, they are moving on merit. Buyers have room to inspect, negotiate, and wait for the right unit rather than compete for the first one available.
The long-run appreciation figure — up 63% since 2012 — shows this is not a community that has stalled, it is one that has simply leveled off after a sustained run. Flat year-over-year pricing at this stage reads as consolidation, not weakness. No community amenities are listed in current MLS data, so any recreational or building features should be verified unit-by-unit rather than assumed from the community name.
The location and the amenities are priced into every listing in Aqua. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Aqua buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (7.5). Basis: Long-Term Appreciation +132% since 2012; Recent Direction +48.0% year-over-year; Pricing Power 91.2% sale-to-list. Refreshed with each data update.
Why work with Momentum here
With only 8 closings feeding the current snapshot and no amenities confirmed in MLS records, this is a community where the fine print matters more than the headline number. We pull the actual comparable sales, verify what each listing does and does not include, and price against real closed data instead of a thin, easily-skewed average.
Aqua in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Aqua buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Aqua sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Aqua, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Aqua home worth?
Get a no-obligation home value based on real comparable sales in Aqua, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Aqua on the map →
Recently off market in Aqua
Homes in Aqua that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 15625 Front Beach Road 904 · off market
Frequently Asked Questions
What is the median home price in Aqua?
How long do homes in Aqua take to sell?
Have Aqua home prices gone up?
Who is the best real estate agent for Aqua?
How do I find a top Panama City Beach real estate agent who knows Aqua?
Can Momentum Realty connect me with an agent for Aqua?
Should you buy in Aqua?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Aqua with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 12, 2026 |
| Under-contract shares | CPAR MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2012 (297 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of CPAR MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the CPAR MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Aqua fits the bigger picture — live prices, inventory, and Momentum Scores: