116 Smugglers Cove Court, Panama City Beach, FL 32413
SingleFamilyResidence in Lakes At Summer Breeze, Panama City Beach · No CDD on record
Lakes At Summer Breeze · Panama City Beach, FL 32413 · Bay County
Listing data updated October 14, 2026 at 8:37 AM ET · checked against the MLS hourly
Listed by Better Homes and Gardens Coast Properties (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
5Bedrooms
4Bathrooms
2004Year Built
No CDD on record5 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
Highlights
As of October 14, 2026, 116 Smugglers Cove Court in Lakes At Summer Breeze, Panama City Beach is listed at $889,000. It has been 368 days on market. Listing facts: built in 2004, HOA dues of $33/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2004 · 22 yrs
368 days on market
HOA $33/mo (per listing)
Listing description
About this home
No listing description is available for this property.
All 54 photos
Listing descriptions are screened for fair-housing and accuracy compliance before display.
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$889,000
Bed / bath5 / 4
Year built2004
Property typeSingleFamilyResidence
MLS #777615
Listing status368 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~19 ft
CountyBay
Area listings2 active · 0 under contract
Estimated first-year tax~$10,300/yr
CDD assessmentNone on record
HOA$33/mo
Calculated estimates
Estimated monthly payment$6,186
Insurance (illustrative)$3k–$6k/yr
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$6,186/mo
Principal & interest $4,924/mo80%
Taxes $858/mo14%
Insurance $370/mo6%
HOA $33/mo1%
$6,186/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Bay County rate (12.28 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $3,625/yr ($302/mo) — taxable value $294,542 × 12.28 mills
$6,675 more each year
(+184%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$475,404
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$769,946
Market value
$395,264
Assessed
$294,542
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Central Panhandle AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 116 Smugglers Cove Court
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $3,625/yr (certified county roll, taxable value × millage). Buy at the asking price of $889,000 and the first-year bill resets to about $10,300/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 12.28 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
HOA dues
$33/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
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 differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $3,000–$6,500/yr; neither is a quote.
Roof and age
Built in 2004. An original roof would be about 22 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 ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $1,052/month (tax $858, HOA $33, insurance $161). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$3k–$6k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$33/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~19 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Bay County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Bay County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailVery Low
Cold waveRelatively Moderate
Winter weatherRelatively Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Property timeline
This home’s history
2004BuiltPer public record
About Oct 2025Listed (per MLS)MLS reports 368 cumulative days on market as of October 14, 2026
Aug 4, 2026First seen on movewithmomentum.comObserved at $889,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $889,000Momentum Realty · on market 368 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
No closed sales of a similar home within about 10 miles in Bay County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for Lakes At Summer Breeze. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Momentum Research
The Momentum read
56% of homes in Lakes At Summer Breeze are owner-occupied. An estimated 44% are non-owner-occupied, including 0% held in a company or trust and 28% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 25 homes matched. Community-level context.
What’s unique here: one of only 2 active listings in Lakes At Summer Breeze, no CDD assessment.
Updated October 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Better Homes and Gardens Coast Properties · MLS # 777615
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Keep looking
Similar homes for sale near Lakes At Summer Breeze
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Sep 2026 · Retail Dining
Panama City meets Houston developer interested in part of Panama City Mall site
Panama City officials met a Houston developer interested in buying a portion of the largely vacant Panama City Mall, owned by Hendon Properties, with a retail focus. Discussions covered rezoning, possible CRA participation and plan submittal. The mayor called the FDOT US 231 widening, planned to six lanes from US 98 to SR 20, the biggest holdup.
Why it matters: Possible retail redevelopment of a large vacant site could add shopping options near the US 231 corridor, with timing tied to road widening and rezoning. The project is about 12 miles east of Lakes At Summer Breeze, elsewhere in Bay County.
Panama City Beach council upholds approval of Palmhaven development on Front Beach Road
The Panama City Beach City Council voted to uphold the Planning Board approval of Palmhaven, about 160 homes by Fischer Homes at 12610 Front Beach Road, with added conditions. The developer must build a multi-use trail, public park area and 40 public golf cart parking spaces, and a final development order is required before construction.
Why it matters: Adds roughly 160 homes of new housing supply on the west Front Beach Road corridor, along with a new public park, trail and parking amenities. The site is about 4 miles east of Lakes At Summer Breeze.
HCA Florida Gulf Coast Hospital announces $125 million expansion
HCA Florida Gulf Coast Hospital announced a $125 million expansion on its 23rd Street campus, including a new patient tower with 34 additional beds, a 16-bed orthopedic and spine unit, a fourth cath lab, an expanded women's center and a 5,000-square-foot outpatient entrance expansion. The project is in design, with construction of 24 to 36 months and completion targeted for 2029.
Why it matters: Added hospital capacity and specialty services would improve local healthcare access and add medical-sector employment along the 23rd Street corridor. The project is about 11 miles east of Lakes At Summer Breeze, elsewhere in Bay County.
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.
Why it matters: Investment in Conservation Park boardwalks upgrades a recreational amenity in Panama City Beach. The project is about 7 miles north of Lakes At Summer Breeze, elsewhere in Bay County.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Bay County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Bay County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 116 Smugglers Cove Court, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2004 (22 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $33/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Bay County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Confirm square footage and room dimensions independently.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $10,300/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $6,675 more per year than the current owner’s estimated bill (+184%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
CPAR, checked against the MLS hourly (last: October 14, 2026)
Comparable sales
Fewer than 3 defensible closed sales within about 10 miles in Bay County — no medians or automated estimate shown
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of CPAR records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 116 Smugglers Cove Court and when was it built?
Per the listing record, 116 Smugglers Cove Court was built in 2004 and has 5 bedrooms and 4 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 116 Smugglers Cove Court in?
116 Smugglers Cove Court is in Lakes At Summer Breeze in Panama City Beach, Bay County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 116 Smugglers Cove Court have an HOA, and how much are the dues?
The listing reports HOA dues of $33 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 116 Smugglers Cove Court differ from the current owner's?
The estimate on this page (about $10,300 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $6,675 more per year than the current owner’s estimated bill (+184%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 116 Smugglers Cove Court in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 116 Smugglers Cove Court in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
