6415 Sunset Avenue in Holiday Beach Unit 4, Panama City Beach is listed at $560,000. That is 15% above Holiday Beach Unit 4's median closed sale of $485,000 over the last 12 months (51 recorded sales). It has been listed Sep 25, 2026. Listing facts: built in 2006. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
*OPEN HOUSE SUNDAY 25TH 1-3PM* Just 0.7 miles from Public Beach Access 13, this beautifully maintained 3-bedroom, 2-bath home offers the space, privacy, and outdoor living that make Panama City Beach living so appealing--with no HOA. From the inviting tropical landscaping to the soaring ceilings and light-filled interior, the home makes a strong impression from the moment you arrive. Inside, the open layout features impressive ceiling heights, oversized windows, and new luxury vinyl plank flooring throughout the main living areas.
The kitchen is both functional and inviting, with abundant cabinetry, stainless steel appliances, quartz countertops, a large island with a deep single-basin sink, and a glass-and-stone mosaic backsplash. The adjoining dining area overlooks the backyard and flows naturally into the spacious living room. The primary suite offers a tray ceiling, walk-in closet, and private bath with a soaking tub, separate shower, dual vanity, and quartz countertop.
The guest bath has also been updated with a quartz vanity and contemporary finishes. The backyard is where this home truly stands out. Fully fenced and surrounded by mature landscaping, it features multiple paver areas, a covered patio, and a substantial pergola with a metal roof, ceiling fan, lighting, and fire table--an ideal setting for morning coffee, outdoor dining, or evenings with friends.
There is also a separate patio area for additional outdoor seating and entertaining. Fresh exterior paint, a refreshed white-rock yard and driveway, and a 2-car garage complete the property. The generous driveway provides ample parking, with potential boat parking, subject to applicable regulations.
The roof was replaced in May 2026. Enjoy the convenience of being close to the Gulf, dining, shopping, boating, and entertainment while coming home to a quiet residential setting. With no HOA, a new roof, exceptional outdoor living, and the beach just minutes away, this is a property that offers both lifestyle and flexibility.
Description provided by Local Insight Realty and reproduced from the MLS; not independently verified.
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 Holiday Beach Unit 4. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
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.
$3,799/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
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.
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.
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.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
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.
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 $1,800/yr (certified county roll, taxable value × millage). Buy at the asking price of $560,000 and the first-year bill resets to about $6,250/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. |
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| 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 $2,000–$4,000/yr; neither is a quote. |
| Roof and age | Built in 2006. An original roof would be about 20 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. |
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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.
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.
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.
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
How this home is priced against recent nearby sales, and where Holiday Beach has been over 25 years. Momentum Research analysis of CPAR MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
12-month median closed price, 2012–2026.
Momentum Market Heat, 2013–2026. Now 30 (cold).
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.
56/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
32% of homes in Holiday Beach are owner-occupied. An estimated 68% are non-owner-occupied, including 11% held in a company or trust and 31% 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), 1254 homes matched. Community-level context.
Recent Holiday Beach sales closed near 91.4% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of CPAR records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 24 active listings in Holiday Beach, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS November 2, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Local Insight Realty · MLS # 795480
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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.
Every home on Sunset Avenue: what is for sale, what sold and when, the homes and the communities along it.
Just listed: new homes for sale in this area in the last 48 hours · updated hourly · RSS · This area market today: new listings, price cuts, pendings
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Phase two, costing about $40,000 from the county general budget, adds two pavilions, a basketball court and sidewalks, following a May playground replacement. A new fence is already in. Completion is expected within a few weeks.
Why it matters: Added courts, shade structures and walkways improve everyday recreation options in the surrounding neighborhood. The site is about 2 miles southwest of Holiday Beach.
The city rejected all bids earlier this month for the 49-slip West Basin and will rebid in phases focused on wet slips. The boat ramp has been redesigned and will come later. Phase One construction could start within 90 days of selecting a contractor.
Why it matters: A slower, phased marina rebuild delays new downtown waterfront boating capacity but keeps the project moving toward construction. The site is about 2 miles southeast of Holiday Beach.
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 site is about 1 mile northeast of Holiday Beach.
Panama City reached a deal for developer Zachary Seymour to buy the 1914 Panama City Grammar School on East Seventh Street and convert it to apartments and townhomes. The city would waive about $375,000 in code fines and a $100,000 CRA grant is pending approval. Seymour has one year to finish structural repairs to roofs, windows and doors.
Why it matters: Reuse of a vacant historic building would add downtown-area residential units and remove a long-standing vacant property. The site is about 2 miles southeast of Holiday Beach.
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.
See schools in the Holiday Beach Unit 4 guide → · Browse school-zone pages →
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 6415 Sunset Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
| Listing record | CPAR, checked against the MLS hourly (last: November 2, 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.
Per the listing record, 6415 Sunset Avenue was built in 2006 and has 3 bedrooms and 2 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
6415 Sunset Avenue is in Holiday Beach Unit 4 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.
The estimate on this page (about $6,250 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $4,450 more per year than the current owner’s estimated bill (+247%). 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.
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.
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.
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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 jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Central Panhandle Association of REALTORS® Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Central Panhandle Association of REALTORS®. © 2026 Central Panhandle Association of REALTORS®, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
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.
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.
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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.
