Summerhouse
Condos for Sale in Panama City, FL
All 253 homes for sale in Panama City, FL · median $349,900 · 232 condos for sale in Panama City · 277 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, Summerhouse Condo. in Panama City, FL has 7 homes for sale, asking from $349,000 to $439,000 (median $412,000). Over the 12 months ending 2026-09-20, 6 recorded sales closed at a median of $426,750, a median 277 days on market, sellers accepting 88% of original asking (+26% versus the prior year). Homes listed or recently sold were built 1984–1987; 7 of 7 report an HOA (median $1,215/mo); 6 of the 7 geocoded homes sit in a FEMA special flood hazard zone (median elevation 13 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $5,240 ($4,750 with the full homestead exemption).
Last 30 days in Summerhouse: 1 new listing (median asking $385,000). 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 Summerhouse Condo
Live MLS inventory for Summerhouse 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 Summerhouse 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.
The number that actually matters at Summerhouse right now is the closings count, not the price. With only five transactions in the current window, a median of $415,000 is a real data point but not a stable trend line — one unusually high or low sale can move it materially. Treat the +20.3% year-over-year figure as directional, not a guarantee of where the next unit will price.
A median days-on-market of 323 tells the rest of the story: this is a slow-clearing market. Combined with a market heat score of 38, sellers here should expect a patient process and price accordingly from day one rather than testing the ceiling. Buyers who can move on a well-priced, well-maintained unit have real negotiating room, since there is little competitive urgency pushing offers.
Summerhouse Condo right now
🟢 Still climbing. The trailing-12-month median ($427K) is up 26.4% from the prior 12 months ($338K) and up 141% 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: Medium (6 and 8 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
Summerhouse Condo market snapshot (as of September 20, 2026): the median sale price is about $427K, and a median 277 days on market for closed sales. The trailing-12-month median is up 26% from the prior 12 months and up 141% since 2012, computed from record-level CPAR MLS closed sales (6 closings in the current window).
In ZIP 32408 (Panama City), 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 11 homes in Summerhouse Condo that have changed hands since 2016, built between 1984 and 1987 (median 1985), with a median living area of about 1,015 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.
Summerhouse is a condominium community in Panama City where a thin volume of recent sales and a long typical time on market mean pricing here should be read case-by-case rather than off a single headline number.
The setting & the homes.
Aerial and on-site photos of Summerhouse Condo. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Summerhouse CondoPhotos from CPAR MLS listings in Summerhouse Condo; content deemed reliable but not guaranteed.
Who Summerhouse Condo is best for.
Best for
- Buyers focused on a specific unit's condition and layout, not a community amenity list
- Buyers with flexible timelines who can negotiate patiently in a slow-clearing market
- Sellers who can hold and price realistically given a long typical time on market
Probably not for
- Buyers who want a robust, documented amenity package as part of the purchase
- Sellers who need a fast, predictable close within a tight timeframe
- Buyers who want to lean heavily on a stable, high-volume comp set to set price
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 ($427K) IS the median in the snapshot above, and the move from 2025 ($338K) IS the +26.4% one-year change.
Windows contain 3 to 11 sales each (6 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.
12% 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 (2026-10-18).
Summerhouse Condo Market Scorecard
Summerhouse Condo is currently a balanced market., a median asking price of $421,000, and homes go under contract in about 105 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.
Summerhouse 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 Summerhouse Condo buying strategy.
If we were buying in Summerhouse 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 Summerhouse Condo.
Thin Volume, Long Runway
The since-2012 change of 144% shows this community has appreciated substantially over a long horizon, but that stat spans more than a decade of separate market cycles and says nothing about next quarter. The more useful near-term signals are the 323-day median time on market and the heat score of 38 — both point to a market where units sit, buyers take their time, and sellers who need speed will likely need to lead on price or condition.
No community amenities are currently identified in the MLS listings for Summerhouse, which means value here is being driven primarily by the unit itself — condition, floor plan, view, and any recent updates — rather than a shared amenity package. Anyone comparing Summerhouse to a nearby condo community with a documented amenity set should weigh that difference directly into their offer.
The location and the amenities are priced into every listing in Summerhouse 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 Summerhouse 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 +141% since 2012; Recent Direction +26.4% year-over-year; Pricing Power 87.7% sale-to-list. Refreshed with each data update.
Why work with Momentum here
With only five recent closings feeding the median, generic online estimates are especially unreliable at Summerhouse. We pull the actual comparable sales, check them against current condition and listing history, and tell you plainly whether a given unit is priced to the thin data set or ahead of it.
Summerhouse Condo in 15 seconds.
What it really costs to own in Summerhouse 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 $4,272/yr across 14 listings here (MLS tax records, 2026-10-18). |
|---|---|
| HOA dues | Median $1,215/month across 334 MLS listings (most billed monthly; 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 1985 across 14 listings. An original roof here would be about 41 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 $1,732/month (tax $356, HOA $1,215, insurance $161). An estimate from the sources above, not a quote.
Email me new listings in Summerhouse 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 Summerhouse Condos for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Summerhouse Condos for Sale will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $1,215/month (about $14,580/yr) · median of 334 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $1,215 per month ($14,580 a year) — the median AssociationFee across 334 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 Summerhouse 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 Summerhouse Condo sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Summerhouse 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 Summerhouse Condo home worth?
Get a no-obligation home value based on real comparable sales in Summerhouse 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 →
Recently off market in Summerhouse Condo.
Homes in Summerhouse Condo. 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. 3 on record.
- 6505 Thomas Drive 314 · off market
- 6505 Thomas Drive 705 · off market
- 6505 Thomas Drive 910 · off market
| Location | Panama City, Bay County, FL · ZIP 32408 |
|---|---|
| Home types (current listings and sales) | condos 100% |
| Sale prices, last 12 months | $426,750 median across 6 closed sales · +26.4% vs the prior 12 months |
| Days on market (closed sales) | 277 median |
| For sale right now | 7 active, 0 pending · median asking $421,000 |
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, “Summerhouse key facts,” movewithmomentum.com/neighborhoods/summerhouse-condo, data as of September 20, 2026.
Housing distress & ownership in Summerhouse Condo., Panama City
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 Summerhouse
The newest homes for sale in Summerhouse right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 6505 Thomas Drive 707, Panama City, FL 32408 $385,000 · 2 bd · 2 ba · 1 day on market Courtesy of Counts Real Estate Group Inc
- 6505 Thomas Drive 904, Panama City, FL 32408 $349,000 · 2 bd · 2 ba · 66 days on market Courtesy of Counts Real Estate Group Inc
- 6505 Thomas Drive 411, Panama City, FL 32408 $439,000 · 2 bd · 2 ba · 92 days on market Courtesy of Counts Real Estate Group Inc
- 6505 Thomas Drive 901, Panama City, FL 32408 $421,000 · 2 bd · 2 ba · 105 days on market Courtesy of Counts Real Estate Group Inc
- 6505 Thomas Drive 912, Panama City Beach, FL 32408 $412,000 · 2 bd · 2 ba · 226 days on market Courtesy of Counts Real Estate Group Inc
- 6505 Thomas Drive 613C, Panama City, FL 32408 $439,000 · 2 bd · 2 ba · 533 days on market Courtesy of Counts Real Estate Group Inc
Checked against the MLS Oct 18, 2026. All new listings in this market.
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Frequently Asked Questions
What is the median home price in Summerhouse Condo?
How long do homes in Summerhouse Condo take to sell?
Have Summerhouse Condo home prices gone up?
Who is the best real estate agent for Summerhouse Condo?
How do I find a top Panama City real estate agent who knows Summerhouse Condo?
Can Momentum Realty connect me with an agent for Summerhouse Condo?
Where is Summerhouse, and what county is it in?
Should you buy in Summerhouse 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 (94 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 Summerhouse Condo. fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Summerhouse with Momentum Realty’s local guides.
More on Summerhouse Condos for Sale in Panama City
- Home values · What homes in Summerhouse Condos for Sale in Panama City actually sell for