Cedar Creek At Deerpoint Lake
Homes for Sale in Panama City, FL
All 268 homes for sale in Panama City, FL · median $349,900 · 45 homes for sale in 32409 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of November 2026, Cedar Creek At Deerpoint Lake in Panama City, FL has 3 homes for sale. Over the 12 months ending 2026-11-11, 6 recorded sales closed at a median of $541,031, a median 169 days on market, sellers accepting 100% of original asking. Homes listed or recently sold were built 2018–2021; 4 of 4 report an HOA (median $120/mo); none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 23 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $6,640 ($6,160 with the full homestead exemption).
Last 30 days in Cedar Creek At Deerpoint Lake: 2 new listings (median asking $977,000), 1 under contract right now. As of November 11, 2026, Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate.
Homes For Sale Right Now in Cedar Creek At Deerpoint Lake
Live MLS inventory for Cedar Creek At Deerpoint Lake. 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 · 3 daysTop listing
Active · 100 days
Active · 12 daysActive and pending Cedar Creek At Deerpoint Lake listings as of 2026-11-12, 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.
Cedar Creek At Deerpoint Lake is a small enclave — 54 homes total — built out mostly between 2008 and 2024, with a median build year around 2019 and a median living area over 3,000 square feet. That combination of newer construction and larger footprints is what anchors the median price at $553,286. This is not a starter-home market; it's priced around size and relatively recent build dates.
The median 79.5 days on market tells you pricing here is condition- and presentation-driven rather than a race to contract. With only 14 closings in the current window, the reported -50.8% year-over-year swing should be read as a small-sample effect — a shift in which homes happened to sell, not a wholesale repricing of the community. Treat any single stat here with some caution and look at the underlying homes, not just the headline number.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Cedar Creek At Deerpoint Lake right now
🟡 Balanced market. 6.0 months of supply and 25% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of CPAR MLS records, as of November 11, 2026. Confidence: Medium (4 active and pending listings, 6 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 12, 2026 · Live data: CPAR MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Cedar Creek At Deerpoint Lake market snapshot (as of November 11, 2026): the median sale price is about $541K, a median 170 days on market for closed sales, and 6.0 months of supply, a balanced market.
In ZIP 32409 (Panama City), 42 homes closed in the last 12 months at a median of $509K, with a median 60 days on market. Right now 36 active and 18 pending listings put supply at about 10.3 months — a balanced market. See the live ZIP 32409 housing market and the Bay County market.
Cedar Creek At Deerpoint Lake is a community of 30 homes in Panama City, Bay County, built between 2008 and 2024 (median 2019.0), with a median living area of about 3,512 square feet. 38% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
A compact, largely post-2008 enclave near Deerpoint Lake built around larger-format homes, with a median living area above 3,000 square feet and build years running from 2008 through 2024.
The setting & the homes.
Aerial and on-site photos of Cedar Creek At Deerpoint Lake. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Cedar Creek At Deerpoint LakeCedar Creek At Deerpoint LakeCedar Creek At Deerpoint Lake
Cedar Creek At Deerpoint LakePhotos from CPAR MLS listings in Cedar Creek At Deerpoint Lake; content deemed reliable but not guaranteed.
Who Cedar Creek At Deerpoint Lake is best for.
Best for
- Buyers targeting a larger home, budgeting near the $553K median, in a build era from 2008 through 2024
- Buyers comfortable with a longer search or negotiation timeline given the median 79.5-day market window
- Buyers who want proximity to Deerpoint Lake and are less focused on packaged community amenities, since none are currently listed
Probably not for
- Buyers who need a wide selection of active listings to compare — inventory here is limited to 54 homes total
- Buyers relying on amenity-driven community features, as none are identified in current MLS data
- Buyers expecting a stable, predictable price trend line — the small closing sample makes year-over-year figures volatile
Cedar Creek At Deerpoint Lake on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from CPAR MLS. Map data © OpenStreetMap contributors.
The Cedar Creek At Deerpoint Lake buying strategy.
If we were buying in Cedar Creek At Deerpoint Lake 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 Cedar Creek At Deerpoint Lake.
Small Inventory, Large Homes
At 54 homes, Cedar Creek At Deerpoint Lake is a limited data set, and that shapes how you should read every figure attached to it. The median price of $553,286 reflects a community of larger homes — median living area north of 3,000 square feet — built across a fairly wide window, 2008 to 2024. Buyers here are paying for square footage and a build era, not for a tight, uniform product line.
The 40.7% homestead share suggests a meaningful portion of the community is held as non-primary residences, which can affect how many homes come to market in a given year and how negotiable sellers are. With just 14 closings feeding the current window, days-on-market (median 79.5) is a more reliable signal than the year-over-year price swing — it points to a market where condition and pricing discipline matter more than urgency.
The location and the amenities are priced into every listing in Cedar Creek At Deerpoint Lake. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Cedar Creek At Deerpoint Lake buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (5.9). Basis: Liquidity & Demand 6.0 months of supply; Owner Commitment 38% owner-occupied; Pricing Power 100.0% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a community this small, the headline stats can mislead if you don't look at the individual homes behind them. We track which of the 54 properties are actually active or recently closed, weigh condition against the 2008-2024 build range, and help you price or negotiate off real comparables rather than a thin year-over-year number.
Cedar Creek At Deerpoint Lake in 15 seconds.
Tools for a Cedar Creek At Deerpoint Lake 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 Cedar Creek At Deerpoint Lake sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cedar Creek At Deerpoint Lake, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cedar Creek At Deerpoint Lake home worth?
Get a no-obligation home value based on real comparable sales in Cedar Creek At Deerpoint Lake, 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 Cedar Creek At Deerpoint Lake
Homes in Cedar Creek At Deerpoint Lake 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. 7 on record.
- 4004 Baxley Bend Road · off market
- 4138 Cedar Creek Drive · off market
- 4215 Wood Duck Cove · off market
- 4513 Silkwater Lane · off market
- 4514 Lovegrass Lane · off market
- 9837 Summer Creek Drive · off market
- 9895 Summer Creek Drive · off market
| Location | Panama City, Bay County, FL · ZIP 32409 |
|---|---|
| Homes in the community | 30 (FL DOR 2025 assessment roll) |
| Years built | 2008–2024 (median 2019.0) |
| Typical living area | 3,512 sq ft (median) |
| Sale prices, last 12 months | $541,031 median across 6 closed sales |
| Days on market (closed sales) | 169 median |
| For sale right now | 3 active, 1 pending · median asking $579,900 · 6.0 months of supply |
| Owner-occupied (homestead) share | 38% |
Data as of November 11, 2026. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Cedar Creek At Deerpoint Lake key facts,” movewithmomentum.com/neighborhoods/cedar-creek-at-deerpoint-lake, data as of November 11, 2026.
Housing distress & ownership in Cedar Creek At Deerpoint Lake, 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.
Every Home for Sale in Cedar Creek At Deerpoint Lake Right Now (4)
All 4 active and pending Cedar Creek At Deerpoint Lake listings with a detail page, newest first, refreshed twice a day from the MLS.
- 9807 Summer Creek Drive, Panama City, Fl 32409 · $554,999 · 4 bd / 3 ba · listed Oct 28, 2026 · listed by Levin Rinke Realty
- 9701 Summer Creek Drive, Panama City, Fl 32409 · $1,399,000 · 3 bd / 4 ba · listed Sep 7, 2026 · listed by Anchor Realty Florida
- 4509 Tender Creek Cove, Southport, Fl 32409 · $659,900 · 4 bd / 3 ba · pending · listed Sep 7, 2026 · listed by Think Real Estate
- 9716 Sweetfield Lane, Panama City, Fl 32409 · $579,900 · 4 bd / 2 ba · listed Aug 13, 2026 · listed by EXP Realty LLC
More Panama City home searches
- All homes for sale in Panama City, FL
- Homes for sale in Bay County, FL
- Panama City home values: what is my house worth?
- ZIP 32409 housing scorecard
- 5 coming-soon communities in Bay County
Panama City guides & data
- Market data
- Best neighborhoods (ranked by data)
- Flood zones
- Home insurance cost
- New construction
- ZIP codes
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
Real estate agent in Panama City? Join Momentum in Panama City: 100% commission, one $12K cap.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Summer Creek Drive (22 homes on record)
- Summer Creek Drive (1 homes on record)
27% of homes for sale in ZIP 32409 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 (2026-11-12).
What it really costs to own in Cedar Creek At Deerpoint Lake
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $5,832/yr across 4 listings here (MLS tax records, 2026-11-12). |
|---|---|
| HOA dues | Median $120/month across 6 MLS listings (most billed quarterly; 2026-11-12). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| 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 depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 2019 across 8 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Estimated carrying cost at the median asking price, before the mortgage: about $767/month (tax $486, HOA $120, insurance $161). An estimate from the sources above, not a quote.
Email me new listings in Cedar Creek At Deerpoint Lake
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Cedar Creek At Deerpoint Lake
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Cedar Creek At Deerpoint Lake will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Cedar Creek At Deerpoint Lake?
How long do homes in Cedar Creek At Deerpoint Lake take to sell?
Is Cedar Creek At Deerpoint Lake a buyer's or seller's market right now?
How many homes are in Cedar Creek At Deerpoint Lake?
What share of Cedar Creek At Deerpoint Lake is owner-occupied?
When were the homes in Cedar Creek At Deerpoint Lake built?
Who is the best real estate agent for Cedar Creek At Deerpoint Lake?
How do I find a top Panama City real estate agent who knows Cedar Creek At Deerpoint Lake?
Can Momentum Realty connect me with an agent for Cedar Creek At Deerpoint Lake?
Where is Cedar Creek At Deerpoint Lake, and what county is it in?
Is Cedar Creek At Deerpoint Lake a good place to live?
Should you buy in Cedar Creek At Deerpoint Lake?
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: November 12, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending November 11, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32409)) |
| Under-contract shares | CPAR MLS records, as of 2026-11-11 |
| Historical depth | Closed-sale records back to 2026 (6 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. A Momentum agent can price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Cedar Creek At Deerpoint Lake fits the bigger picture — live prices, inventory, and Momentum Scores: