Sterling Beach
Condos for Sale in Panama City Beach, FL
All 785 homes for sale in Panama City Beach, FL · median $369,000 · 745 condos for sale in Panama City Beach · 373 homes for sale in 32408 · 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, Sterling Beach Condo in Panama City Beach, FL has 3 homes for sale. Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $755,000, a median 18 days on market, sellers accepting 93% of original asking (+12% versus the prior year). Homes listed or recently sold were built 2003–2003; 3 of 3 report an HOA (median $1,192/mo). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $9,270 ($8,780 with the full homestead exemption).
| Location | Panama City Beach, Bay County, FL · ZIP 32408 |
|---|---|
| Sale prices, last 12 months | $755,000 median across 4 closed sales · +11.9% vs the prior 12 months |
| Days on market (closed sales) | 18 median |
| For sale right now | 3 active, 0 pending · median asking $1,350,000 |
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, “Sterling Beach Condo key facts,” movewithmomentum.com/neighborhoods/sterling-beach-condo, data as of September 20, 2026.
Last 30 days in Sterling Beach: 2 new listings (median asking $1,300,000). As of September 30, 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 Sterling Beach Condo
Live MLS inventory for Sterling Beach 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 Sterling Beach Condo listings as of 2026-09-30, 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.
Every Home for Sale in Sterling Beach Condo Right Now (3)
All 3 active and pending Sterling Beach Condo listings with a detail page, newest first, refreshed twice a day from the MLS.
- 6627 Thomas Drive 301, Panama City, Fl 32408 · $1,350,000 · 3 bd / 3 ba · listed Sep 10, 2026 · listed by Keller Williams Realty Emerald
- 6627 Thomas Drive 1401, Panama City, Fl 32408 · $1,250,000 · 3 bd / 3 ba · listed Sep 7, 2026 · listed by Counts Real Estate Group Inc
- 6627 Thomas Drive 1601, Panama City Beach, Fl 32408 · $1,390,000 · 3 bd / 3 ba · listed Jul 8, 2026 · listed by Keller Williams Success Realty
Sterling Beach Condo is pricing at a median of $735,000, with listings moving in just over 27 days on average. That pace, paired with a market heat score of 55, points to a market that is active but not frantic — homes here find buyers without the bidding-war urgency you see in tighter segments of the beach market.
The trailing window we're pulling from is thin — only 5 closings — so treat the median as a directional signal rather than a precise line. A single high- or low-end unit can swing that number meaningfully. Anyone pricing to sell or structuring an offer here should lean on a current comp pull, not just this snapshot.
Sterling Beach Condo right now
🟢 Still climbing. The trailing-12-month median ($755K) is up 11.9% from the prior 12 months ($675K) and up 76% since 2012. With about 6 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: Low (4 and 4 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 1, 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
Sterling Beach Condo market snapshot (as of September 20, 2026): the median sale price is about $755K, and a median 19 days on market for closed sales. The trailing-12-month median is up 12% from the prior 12 months and up 76% since 2012, computed from record-level CPAR MLS closed sales (4 closings in the current window).
In ZIP 32408 (Panama City Beach), 1,792 homes closed in the last 12 months at a median of $400K, down 0.6% year over year, with a median 75 days on market. Right now 1,195 active and 202 pending listings — a buyer's market. See the live ZIP 32408 housing market and the Bay County market.
CPAR sales records identify 7 homes in Sterling Beach Condo that have changed hands since 2004, built between 2003 and 2003 (median 2003), with a median living area of about 2,274 sq ft and a typical 3-bedroom, 3-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.
Sterling Beach Condo sits in the $735,000 median price band, with values up 8.9% over the past year and 71.0% since 2012 — a long-run trajectory that reflects sustained demand for this stretch of Panama City Beach rather than a recent spike.
The setting & the homes.
Aerial and on-site photos of Sterling Beach Condo. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Sterling Beach Condo
Sterling Beach Condo
Sterling Beach CondoPhotos from CPAR MLS listings in Sterling Beach Condo; content deemed reliable but not guaranteed.
Who Sterling Beach Condo is best for.
Best for
- Buyers with a budget near the current median who want a beach condo with a documented multi-year appreciation trend
- Sellers whose unit is updated and competitively positioned, looking to price against a 27-day-average market
- Buyers comfortable doing independent diligence on building amenities and HOA specifics before committing
Probably not for
- Buyers who need a confirmed amenity package (pool, fitness, etc.) locked in before they'll consider a unit
- Anyone wanting a large, statistically deep comp set before setting a price — the current data window is thin
- Buyers expecting entry pricing well under the current median in this building
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 ($755K) IS the median in the snapshot above, and the move from 2025 ($675K) IS the +11.9% one-year change.
Windows contain 1 to 12 sales each (4 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.
11% of homes for sale in ZIP 32408 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 (2026-09-21).
Sterling Beach Condo Market Scorecard
Sterling Beach Condo is currently a balanced market., a median asking price of $1,350,000, and homes go under contract in about 14 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.
Housing distress & ownership in Sterling Beach 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.
Sterling Beach 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, tiles © CARTO.
The Sterling Beach Condo buying strategy.
If we were buying in Sterling Beach 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 Sterling Beach Condo.
What's Actually Driving the Number
The 71.0% appreciation since 2012 is the headline here — it's a multi-year climb, not a pandemic-era blip, which suggests the pricing floor at Sterling Beach Condo has been reset over time rather than propped up by a single hot stretch. The 8.9% year-over-year gain shows that trend hasn't stalled.
A median dollar-on-market of just over 27 days signals reasonably efficient pricing — units that are priced to the current market move without much drama. No community amenities are currently identified from MLS data for this building, so if shared facilities matter to your decision, verify directly with the condo association rather than assuming a standard package.
The location and the amenities are priced into every listing in Sterling Beach 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 Sterling Beach 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 (6.8). Basis: Long-Term Appreciation +76% since 2012; Recent Direction +11.9% year-over-year; Pricing Power 93.2% sale-to-list. Refreshed with each data update.
Why work with Momentum here
With only 5 closings in the trailing window, pricing a unit at Sterling Beach Condo correctly takes more than plugging in the median — it takes a read on which specific comps are relevant to your unit's condition and position. We pull current, building-specific data before advising a number in either direction.
Sterling Beach Condo in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $1,192/month (about $14,304/yr) · median of 60 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $1,192 per month ($14,304 a year) — the median AssociationFee across 60 MLS records, normalised to a monthly figure; most are billed monthly. 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 Sterling Beach 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 Sterling Beach Condo sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Sterling Beach 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 Sterling Beach Condo home worth?
Get a no-obligation home value based on real comparable sales in Sterling Beach 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 →
Frequently Asked Questions
What is the median home price in Sterling Beach Condo?
How long do homes in Sterling Beach Condo take to sell?
Have Sterling Beach Condo home prices gone up?
Who is the best real estate agent for Sterling Beach Condo?
How do I find a top Panama City Beach real estate agent who knows Sterling Beach Condo?
Can Momentum Realty connect me with an agent for Sterling Beach Condo?
Where is Sterling Beach, and what county is it in?
Should you buy in Sterling Beach 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: September 30, 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 (81 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.
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See how Sterling Beach Condo fits the bigger picture — live prices, inventory, and Momentum Scores:
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