Breakwater At Ward Creek
Homes for Sale in Panama City Beach, FL

Breakwater At Ward Creek market snapshot (as of September 20, 2026): the median sale price is about $681K, and a median 0 days on market for closed sales. The trailing-12-month median is up 8% from the prior 12 months, computed from record-level CPAR MLS closed sales (37 closings in the current window).

In ZIP 32413 (Panama City Beach), 1,569 homes closed in the last 12 months at a median of $445K, down 0.1% year over year, with a median 79 days on market. Right now 1,074 active and 177 pending listings put supply at about 7.3 months — a buyer's market. See the live ZIP 32413 housing market and the Bay County market.

County records show 3 qualified sales in Breakwater At Ward Creek across 2024–2024, median $785,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

Flood zones in Breakwater At Ward Creek: of 10 listing addresses checked against the FEMA National Flood Hazard Layer, 60% sit outside the FEMA Special Flood Hazard Area (Zone X); 40% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary — verify any specific address at msc.fema.gov. See flood zones by neighborhood in Panama City Beach.

Breakwater At Ward Creek is a community of 9 homes in Panama City Beach, Bay County, built between 2024 and 2024 (median 2024.0), with a median living area of about 2,940 square feet. 1% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

Breakwater At Ward Creek is a new-construction pocket in Panama City Beach where the homes are large and essentially the same vintage, so the pricing conversation is about size and finish rather than age or repair.

This is one of the more homogeneous snapshots you'll find in Bay County. With a 2024 build year across the board and a median living area near 2,940 square feet, the differences between homes come down to lot, orientation, and interior selections rather than the wide condition spread you see in established neighborhoods. That makes comparison shopping cleaner, but it also means the median of roughly $676,667 is a fair proxy for what most homes here actually trade at.

The homestead share is effectively nil at under one percent, which tells you these are not, for the most part, long-tenured primary residences yet — consistent with a community still filling in. No community amenities show up in current MLS listings, so budget on the house and its lot delivering the value, not shared facilities. If a pool, gate, or clubhouse matters to you, confirm it independently before writing an offer.

In a thin, uniform market like this, the edge is knowing when inventory moves and how a given lot or floor plan compares against the last few closings. We track the 41 closings behind this snapshot and the small active pool so you're not guessing whether a listing is priced with the median or ahead of it — and we'll tell you plainly when a home isn't worth the ask.

Listings in this community report association dues of about $210 per month ($2,520 a year) — the median AssociationFee across 292 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.