Summerwinds
Condos for Sale in Panama City, FL
All 257 homes for sale in Panama City, FL · median $349,000 · 235 condos for sale in Panama City · 286 homes for sale in 32408 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of October 2026, Summerwinds Condo in Panama City, FL has 2 homes for sale. Over the 12 months ending 2026-09-20, 5 recorded sales closed at a median of $745,000, a median 17 days on market, sellers accepting 98% of original asking. At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $9,150 ($8,660 with the full homestead exemption).
| Location | Panama City, Bay County, FL · ZIP 32408 |
|---|---|
| Sale prices, last 12 months | $745,000 median across 5 closed sales |
| Days on market (closed sales) | 17 median |
| For sale right now | 2 active, 0 pending · median asking $1,074,950 |
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, “Summerwinds Condo key facts,” movewithmomentum.com/neighborhoods/summerwinds-condo, data as of September 20, 2026.
Summerwinds is pricing like a condo market that has been repriced hard over the last decade — the median sits at $745,000, and the longer-run trend (up 148% since 2012) says this building has moved well beyond its original price tier. The past year alone added 9.6%, so the climb hasn't leveled off, it's continuing on the same trajectory.
With only five closings in the current window, treat every stat here as a directional signal, not a settled number. A median dom of 17 days and a heat score of 66 both point to a market where priced-right units move fast, but with this few transactions, one unusual sale can swing the median significantly. Buyers and sellers should lean on a specific comp pull for the exact unit line and floor, not just the building-wide figure.
The 60-Second Overview
Summerwinds Condo market snapshot (as of September 20, 2026): the median sale price is about $745K, and a median 17 days on market for closed sales.
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.
Summerwinds is a Panama City condo community where price has moved substantially higher over the last several years, with recent closings trading at a median of $745,000 and typically going under contract in just over two weeks.
Who Summerwinds Condo is best for.
Best for
- A buyer comfortable pricing off unit-specific comps rather than a thin building-wide median.
- A buyer who has tracked this building's multi-year price trend and wants in ahead of further gains.
- A seller with a unit that fits current demand and wants a market where days-on-market has been running short.
Probably not for
- A buyer who wants a large recent-sales sample to validate price before making an offer.
- A buyer relying on a published amenities list to compare this building against others.
- A buyer expecting entry-level condo pricing in this market.
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 ($745K) IS the median in the snapshot above.
Windows contain 1 to 10 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.
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 (2026-09-29).
Summerwinds Condo Market Scorecard
Summerwinds Condo is currently a balanced market., a median asking price of $1,074,950, and homes go under contract in about 288 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 Summerwinds 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.
Homes For Sale Right Now in Summerwinds Condo
Live MLS inventory for Summerwinds 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 Summerwinds Condo listings as of 2026-10-01, 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 Summerwinds Condo Right Now (2)
All 2 active and pending Summerwinds Condo listings with a detail page, newest first, refreshed twice a day from the MLS.
- 6323 Thomas Drive 501A, Panama City, Fl 32408 · $1,450,000 · 3 bd / 2 ba · listed Jul 2, 2026 · listed by CENTURY 21 Ryan Realty Inc
- 6323 Thomas Drive 104B, Panama City, Fl 32408 · $675,000 · 2 bd / 2 ba · listed Jul 2, 2026 · listed by CENTURY 21 Ryan Realty Inc
Recent Developments in Summerwinds Condo
Development, infrastructure, retail, and school activity affecting Summerwinds Condo, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated August 2026.
- July 2026Civic
Panama City approves 12-month moratorium on AI data centers
Panama City commissioners unanimously approved a 12-month pause on AI data centers in certain areas, following a six-month restriction adopted by Bay County the prior week. The city said it will use the period to study data center operations and revisit how they fit into local zoning and land-use rules.
What it may mean for the marketA temporary pause shapes where data centers can locate while the city reviews zoning and land-use standards. The site is about 2 miles south of Summerwinds Condo.
Source: WJHG News Channel 7 - July 2026Parks & Amenities
Panama City Beach approves $1.25 million to rehabilitate Conservation Park boardwalks
The Panama City Beach city council approved a budget of $1.25 million to rehabilitate more than one mile of boardwalks at Conservation Park. The funding covers rehabilitation of the park's boardwalk system.
What it may mean for the marketInvestment in Conservation Park boardwalks upgrades a recreational amenity in Panama City Beach. The project is about 16 miles west of Summerwinds Condo, elsewhere in Bay County.
Source: WJHG News Channel 7 - June 2026Retail & Dining
New retailers open at Watersound Town Center as construction continues
Watersound Town Center in the Panama City Beach area reported new store openings including FP Movement, Hemline, Monkee's, and Sunset Shoes and Lifestyles, with Johnnie-O expected later in the summer. St. Joe said two additional buildings are planned to break ground this year at the center.
What it may mean for the marketGrowing retail and dining space plus additional buildings expand the commercial center along the State Road 79 corridor. The project is about 23 miles northwest of Summerwinds Condo, elsewhere in Bay County.
Source: The St. Joe Company - June 2026Infrastructure
Panama City moves downtown marina slip construction to bid, ends City Marina Partners deal
Panama City put the first 50 boat slips at the Downtown Marina out for contractor bids, with construction expected to begin shortly after a contract is awarded and the bid window closing June 16. Commissioners also ended their working relationship with City Marina Partners and budgeted payment for work already completed.
What it may mean for the marketProgress on downtown marina slip construction advances waterfront infrastructure in the Panama City core. The project is about 3 miles south of Summerwinds Condo, elsewhere in Bay County.
Source: WJHG News Channel 7 - June 2026Development
Panama City commissioners approve Community Development District for 1,800-home neighborhood
Panama City commissioners approved a Community Development District for a planned neighborhood of about 1,800 homes east of John Pitts Road in north Panama City. Under the CDD, road maintenance within the neighborhood stays with the district rather than transferring to the city.
What it may mean for the marketA new large-scale residential district adds housing supply and internally maintained streets to the north Panama City market. The project is about 5 miles northeast of Summerwinds Condo, elsewhere in Bay County.
Source: WJHG News Channel 7
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
The Summerwinds Condo buying strategy.
If we were buying in Summerwinds 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 Summerwinds Condo.
A thin market, a strong trend
The headline number to sit with is the 148% move since 2012 — that's not a single hot year, that's a building that has been repriced across a full cycle. The 9.6% year-over-year gain shows that trend hasn't stalled; it's still adding on top of an already elevated base. A median dom of 17 days and a heat score of 66 both describe a market where inventory doesn't sit long once it's priced to current conditions.
The caveat is sample size. Five closings in the current window is not enough to smooth out unit-to-unit variation — a top-floor, water-facing line and a lower-floor interior unit can post very different numbers and still both be 'the market.' No amenity list is currently attached to MLS data for this community, so buyers should verify building amenities and any associated fees directly rather than assuming a standard package.
The location and the amenities are priced into every listing in Summerwinds Condo. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a building with only a handful of recent closings, the comp set matters more than the headline median. We pull unit-specific history — floor, view line, prior sale price — before advising an offer or a list price, rather than leaning on a building-wide number that a single unusual sale can distort.
Summerwinds Condo in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $1,564/month (about $18,768/yr) · median of 40 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $1,564 per month ($18,768 a year) — the median AssociationFee across 40 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 Summerwinds 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 Summerwinds Condo sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Summerwinds 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 Summerwinds Condo home worth?
Get a no-obligation home value based on real comparable sales in Summerwinds 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.
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Frequently Asked Questions
What is the median home price in Summerwinds Condo?
How long do homes in Summerwinds Condo take to sell?
Have Summerwinds Condo home prices gone up?
Who is the best real estate agent for Summerwinds Condo?
How do I find a top Panama City real estate agent who knows Summerwinds Condo?
Can Momentum Realty connect me with an agent for Summerwinds Condo?
Where is Summerwinds, and what county is it in?
Should you buy in Summerwinds 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 1, 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 (65 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 Summerwinds Condo fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Summerwinds Condos for Sale in Panama City
- Home values · What homes in Summerwinds Condos for Sale in Panama City actually sell for
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