Splash
Condos for Sale in Panama City Beach, FL
All 733 homes for sale in Panama City Beach, FL · median $368,500 · 696 condos for sale in Panama City Beach · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via CPAR MLS
As of October 2026, Splash Condo in Panama City Beach, FL has 9 homes for sale and 2 pending, asking from $399,000 to $835,000 (median $486,500). Over the 12 months ending 2026-09-20, 11 recorded sales closed at a median of $465,000, a median 52 days on market, sellers accepting 95% of original asking (-8% versus the prior year). Homes listed or recently sold were built 2006–2006; 11 of 11 report an HOA (median $733/mo); 8 of the 11 geocoded homes sit in a FEMA special flood hazard zone (median elevation 16 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $5,710 ($5,220 with the full homestead exemption).
Last 30 days in Splash: 4 new listings (median asking $442,450), 2 under contract right now. As of October 17, 2026, Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate.
Homes For Sale Right Now in Splash Condo
Live MLS inventory for Splash Condo. 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 Splash Condo listings as of 2026-10-17, 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.
Splash Condo is priced at a median of $470,000, and the story right now is softening, not surging. Prices are down 4.1% year over year, and homes are sitting a bit longer, with a median of 63 days on market. That combination points to a buyer who has room to negotiate on price and timeline, and a seller who needs to be realistic about where the market actually sits today, not where it sat a year or two ago.
Zoom out and the picture changes. Since 2012, value here is up 120%, so the long arc has been strongly positive even with this current pullback. A market heat score of 34 confirms we're in a cooler stretch of that longer cycle. For a buyer, that's a window to negotiate. For a seller, it means pricing to today's pace rather than last cycle's momentum.
Splash Condo right now
🟡 Off the recent peak. The trailing-12-month median ($465K) is down 7.9% from the prior 12 months ($505K) and up 109% since 2012. With about 20 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 20. Confidence: Medium (11 and 11 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 18, 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
Splash Condo market snapshot (as of September 20, 2026): the median sale price is about $465K, and a median 52 days on market for closed sales. The trailing-12-month median is down 8% from the prior 12 months and up 109% since 2012, computed from record-level CPAR MLS closed sales (11 closings in the current window).
In ZIP 32013 (Panama City Beach), 244 homes closed in the last 12 months at a median of $425K, down 4.5% year over year, with a median 76 days on market. Right now 171 active and 19 pending listings — a soft market. See the live ZIP 32013 housing market and the Bay County market.
CPAR sales records identify 19 homes in Splash Condo that have changed hands since 2014, built between 2006 and 2006 (median 2006), with a median living area of about 1,074 sq ft and a typical 2-bedroom, 2-bath layout; 100% are condominiums. Source: CPAR closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Splash Condo sits in Panama City Beach, Bay County, and its current numbers describe a market that has cooled from a strong long-term run rather than one that is broadly weak.
The setting & the homes.
Aerial and on-site photos of Splash Condo. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Splash CondoPhotos from CPAR MLS listings in Splash Condo; content deemed reliable but not guaranteed.
Who Splash Condo is best for.
Best for
- A buyer targeting a purchase near the $470,000 median who wants negotiating leverage in a slower market.
- A buyer with flexible timing who can wait through a typical 60-plus day marketing period without pressure.
- A buyer focused on long-term value, drawn to a building with a documented 120% gain since 2012.
Probably not for
- A buyer who needs a fast, competitive-bid purchase — the current market heat score of 34 doesn't support that pace.
- A buyer who requires a confirmed amenities package upfront, since none are currently identified from MLS listings.
- A seller expecting last cycle's pricing momentum without adjusting for the current year-over-year decline.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level CPAR MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($465K) IS the median in the snapshot above, and the move from 2025 ($505K) IS the -7.9% one-year change.
Windows contain 10 to 39 sales each (11 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.
18% of homes for sale in Splash Condo are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-01).
Splash Condo Market Scorecard
Splash Condo is currently a balanced market., a median asking price of $497,750, and homes go under contract in about 69 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: CPAR MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Splash Condo 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 contributors.
The Splash Condo buying strategy.
If we were buying in Splash Condo 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 Splash Condo.
A cooling phase inside a long uptrend
The two most important numbers in this snapshot pull in different directions. A -4.1% year-over-year change and a median 63-day time on market both say demand has eased relative to recent years. But the 120% gain since 2012 says the building has captured real, sustained value over time. Neither number cancels the other out — together they describe a market that ran hot for a long stretch and is now taking a breather.
A market heat score of 34 reinforces that this is currently a slower-moving, buyer-favorable window rather than a fast, competitive one. There's no amenities data currently identified from MLS listings for this building, so anyone evaluating a specific unit should confirm amenities, condo fees, and any association details directly rather than assuming a standard package.
The location and the amenities are priced into every listing in Splash Condo. 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 Splash Condo 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 (6.0). Basis: Long-Term Appreciation +109% since 2012; Recent Direction -7.9% year-over-year; Pricing Power 95.0% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a market moving at this pace, with a median 63 days on market and pricing that has pulled back over the last year, the negotiation itself matters more than the headline listing price. We track how Splash Condo is actually trading right now, unit by unit, so pricing and offer strategy are built on current behavior, not last cycle's numbers.
Splash Condo in 15 seconds.
What it really costs to own in Splash Condos for Sale
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $5,627/yr across 22 listings here (MLS tax records, 2026-10-18). |
|---|---|
| HOA dues | Median $733/month across 448 MLS listings (most billed quarterly; 2026-10-15). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The average Citizens Property Insurance premium in Bay County is $1,928/yr (1,264 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 2006 across 22 listings. An original roof here would be about 20 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Estimated carrying cost at the median asking price, before the mortgage: about $1,363/month (tax $469, HOA $733, insurance $161). An estimate from the sources above, not a quote.
Email me new listings in Splash Condos for Sale
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Splash Condos for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Splash Condos for Sale will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $733/month (about $8,796/yr) · median of 448 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $733 per month ($8,796 a year) — the median AssociationFee across 448 MLS records, normalised to a monthly figure; most are billed quarterly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
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 Splash Condo 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 Splash Condo sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Splash Condo, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Splash Condo home worth?
Get a no-obligation home value based on real comparable sales in Splash Condo, 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 all homes for sale in Panama City Beach →
| Location | Panama City Beach, Bay County, FL · ZIP 32013, 32401, 32407, 32408 and more |
|---|---|
| Home types (current listings and sales) | condos 100% |
| Sale prices, last 12 months | $465,000 median across 11 closed sales · -7.9% vs the prior 12 months |
| Days on market (closed sales) | 52 median |
| For sale right now | 6 active, 2 pending · median asking $497,750 |
Data as of September 20, 2026. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Market figures describe homes, not residents. Cite as: Momentum Realty, “Splash key facts,” movewithmomentum.com/neighborhoods/splash-condo, data as of September 20, 2026.
Housing distress & ownership in Splash Condo, 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.
Just listed in Splash
The newest homes for sale in Splash right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 17739 Front Beach Road 1206W, Panama City, FL 32413 $489,998 · 2 bd · 2 ba · new today Courtesy of Berkshire Hathaway HomeServices Beach Properties of Florida
- 17729 Front Beach Road 403E, Panama City Beach, FL 32413 $399,000 · 1 bd · 2 ba · new today Courtesy of Superior Of Florida, LLC.
- 17739 Front Beach Road 906W, Panama City Beach, FL 32413 $465,000 · 2 bd · 2 ba · 1 day on market Courtesy of Superior Of Florida, LLC.
- 17729 Front Beach Road 204E, Panama City Beach, FL 32413 $419,900 · 1 bd · 2 ba · 26 days on market Courtesy of Property Connections Boutique
- 17739 Front Beach Road 1703W, Panama City, FL 32413 $599,000 · 2 bd · 2 ba · 96 days on market Courtesy of Compass Florida, LLC
- 17729 Front Beach Road 2101E, Panama City Beach, FL 32413 $835,000 · 3 bd · 3 ba · 149 days on market Courtesy of Corcoran Reverie
Checked against the MLS Oct 18, 2026. All new listings in this market.
Every Home for Sale in Splash Condo Right Now (11)
All 11 active and pending Splash Condo listings with a detail page, newest first, refreshed twice a day from the MLS.
- 17739 Front Beach Road 1206W, Panama City, Fl 32413 · $489,998 · 2 bd / 2 ba · listed Sep 30, 2026 · listed by Berkshire Hathaway HomeServices Beach Properties of Florida
- 17739 Front Beach Road 906W, Panama City Beach, Fl 32413 · $465,000 · 2 bd / 2 ba · listed Sep 22, 2026 · listed by Superior Of Florida, LLC.
- 17729 Front Beach Road 403E, Panama City Beach, Fl 32413 · $399,000 · 1 bd / 2 ba · listed Sep 22, 2026 · listed by Superior Of Florida, LLC.
- 17739 Front Beach Road 901W, Panama City Beach, Fl 32413 · $799,000 · 3 bd / 3 ba · pending · listed Sep 7, 2026 · listed by Berkshire Hathaway HomeServices Beach Properties of Florida
- 17729 Front Beach Road 204E, Panama City Beach, Fl 32413 · $419,900 · 1 bd / 2 ba · listed Aug 15, 2026 · listed by Property Connections Boutique
- 17739 Front Beach Road 401W, Panama City Beach, Fl 32413 · $799,900 · 3 bd / 3 ba · pending · listed Aug 14, 2026 · listed by Superior Of Florida, LLC.
- 17729 Front Beach Road 2101E, Panama City Beach, Fl 32413 · $835,000 · 3 bd / 3 ba · listed Jul 26, 2026 · listed by Corcoran Reverie
- 17739 Front Beach Road 1703W, Panama City, Fl 32413 · $599,000 · 2 bd / 2 ba · listed Jul 16, 2026 · listed by Compass Florida, LLC
- 17729 Front Beach Road 702E, Panama City Beach, Fl 32413 · $499,000 · 2 bd / 2 ba · listed Jul 16, 2026 · listed by Beach House Sales and Development
- 17729 Front Beach Road 2002E, Panama City Beach, Fl 32413 · $486,500 · 2 bd / 2 ba · listed Jul 16, 2026 · listed by Berkshire Hathaway HomeServices Beach Properties of Florida
- 17729 Front Beach Road 405E, Panama City Beach, Fl 32413 · $465,000 · 1 bd / 2 ba · listed Jul 16, 2026 · listed by Keller Williams Success Realty
More Panama City Beach home searches
Frequently Asked Questions
What is the median home price in Splash Condo?
How long do homes in Splash Condo take to sell?
Have Splash Condo home prices gone up?
Who is the best real estate agent for Splash Condo?
How do I find a top Panama City Beach real estate agent who knows Splash Condo?
Can Momentum Realty connect me with an agent for Splash Condo?
Where is Splash, and what county is it in?
Should you buy in Splash Condo?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: October 17, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (331 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 →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Splash Condo fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Splash Condos for Sale in Panama City Beach
- Home values · What homes in Splash Condos for Sale in Panama City Beach actually sell for
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