Sweetwater Village N
Homes for Sale in Panama City, FL
All 257 homes for sale in Panama City, FL · median $349,000 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $235,000, a median 13 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 $2,880 ($2,400 with the full homestead exemption).
Part of Sweetwater Village, Panama City, FL — see all Sweetwater Village homes for sale (1 listing across 3 sections in the MLS).
| Location | Panama City, Bay County, FL · ZIP 32304, 32404 |
|---|---|
| Sale prices, last 12 months | $235,000 median across 3 closed sales |
| Days on market (closed sales) | 13 median |
| For sale right now | 0 active, 0 pending |
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, “Sweetwater Village N key facts,” movewithmomentum.com/neighborhoods/sweetwater-village-n, data as of September 20, 2026.
Sweetwater Village N is a 218-home community where the housing stock spans well over three decades of construction, with a median build year of 1999. That range matters more than any single stat here: buyers are choosing between older, established construction and newer builds within the same neighborhood boundary, and condition — not just age — is doing most of the work in setting price.
With 57.4% of homes carrying a homestead exemption, this reads as a community built around primary occupancy rather than turnover or investment activity. That tends to mean fewer listings hit the market at once and inventory moves in smaller batches, so buyers should expect to act on well-priced, well-maintained homes rather than wait for a flood of comparable options.
Nearby homes for sale
No active listings inside Sweetwater Village NHomes for Sale in Panama City, FL right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Sweetwater Village N market snapshot (as of September 20, 2026): the median sale price is about $235K, and a median 13 days on market for closed sales.
In ZIP 32304 (Panama City), 81 homes closed in the last 12 months at a median of $222K ($208/sq ft), down 14.7% year over year, with a median 27 days on market. Right now 19 active and 13 pending listings put supply at about 2.9 months — a balanced market. See the live ZIP 32304 housing market and the Bay County market.
Sweetwater Village N in Panama City (Bay County) holds 218 homes with a median living area of 1,511.5 square feet, built across a span from 1989 to 2024. There is no identified community amenity package tied to the current MLS listings, so the appeal here centers on the homes and location rather than shared facilities.
Who Sweetwater Village N is best for.
Best for
- A buyer looking for a primary home with no HOA amenity dues built into the value proposition
- A buyer comfortable evaluating homes across a wide range of construction ages within one neighborhood
- A buyer prioritizing a Panama City location over a curated amenity list
Probably not for
- A buyer who wants a single-era, architecturally uniform subdivision
- A buyer whose budget depends on shared community amenities like a pool or clubhouse
- A buyer unwilling to weigh condition carefully given the 1989-to-2024 build spread
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 ($235K) IS the median in the snapshot above.
Windows contain 2 to 14 sales each (3 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.
14% of homes for sale in ZIP 32304 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 (2026-09-20).
Sweetwater Village N Market Scorecard
Sweetwater Village N is currently a balanced market..
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 Sweetwater Village N, 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.
The Sweetwater Village N buying strategy.
If we were buying in Sweetwater Village N 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 Sweetwater Village N.
A Community Defined by Construction Range, Not Amenities
The defining fact about Sweetwater Village N is its build-year spread. A median of 1999 sitting inside a 1989-to-2024 range means this is not a single-phase subdivision with uniform housing stock. Buyers touring here will see meaningfully different construction eras on the same streets, which shows up in finishes, systems age, and layout even when square footage lands close to the community median of 1,511.5 feet.
There is no amenity package identified from current MLS listings, so this is not a community sold on a clubhouse or pool. That puts more weight on the individual home, the lot, and proximity to what a buyer actually needs day to day. Recent closings activity over the trailing window gives a workable read on where similar homes are trading, and that data point should anchor any offer strategy rather than a listing price alone.
The location and the amenities are priced into every listing in Sweetwater Village N. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with a wide construction range and no amenity story to lean on, pricing a home correctly means understanding exactly where it sits between the 1989 and 2024 ends of that spectrum. We pull the recent closings for Sweetwater Village N specifically, not a citywide average, so sellers price to what is actually moving and buyers know when a listing is priced for its era or against it.
Sweetwater Village N 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 Sweetwater Village N 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 Sweetwater Village N sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Sweetwater Village N, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Sweetwater Village N home worth?
Get a no-obligation home value based on real comparable sales in Sweetwater Village N, 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 Sweetwater Village N
Homes in Sweetwater Village N 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.
- 7209 Lake Suzzanne Lane · off market
Frequently Asked Questions
What is the median home price in Sweetwater Village N?
How long do homes in Sweetwater Village N take to sell?
Have Sweetwater Village N home prices gone up?
Who is the best real estate agent for Sweetwater Village N?
How do I find a top Panama City real estate agent who knows Sweetwater Village N?
Can Momentum Realty connect me with an agent for Sweetwater Village N?
Where is Sweetwater Village N, and what county is it in?
Should you buy in Sweetwater Village N?
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 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 (125 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 Sweetwater Village N fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Sweetwater Village N
- Home values · What homes in Sweetwater Village N actually sell for
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