Cedar Creek At Deerpoint Lake
Homes for Sale in Panama City, FL
All 245 homes for sale in Panama City, FL · median $349,900 · 42 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 October 2026, Cedar Creek At Deerpoint Lake in Panama City, FL has 3 homes for sale. Over the 12 months ending 2026-09-20, 15 recorded sales closed at a median of $550,810, a median 67 days on market, sellers accepting 100% of original asking (-6% versus the prior year). Homes listed or recently sold were built 2018–2026 with 2 new construction; 5 of 5 report an HOA (median $120/mo); none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 25 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $6,760 ($6,280 with the full homestead exemption).
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
🟡 Off the recent peak. The trailing-12-month median ($551K) is down 6.1% from the prior 12 months ($587K). With about 3 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level CPAR MLS closed sales, 12-month windows ending September 20. Confidence: Medium (15 and 6 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 20, 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 September 20, 2026): the median sale price is about $551K, and a median 67 days on market for closed sales. The trailing-12-month median is down 6% from the prior 12 months, computed from record-level CPAR MLS closed sales (15 closings in the current window).
In ZIP 32409 (Panama City), 126 homes closed in the last 12 months at a median of $440K, up 0.4% year over year, with a median 64 days on market. Right now 80 active and 35 pending listings — a balanced market. See the live ZIP 32409 housing market and the Bay County market.
CPAR sales records identify 35 homes in Cedar Creek At Deerpoint Lake that have changed hands since 2021, built between 2017 and 2026 (median 2025), with a median living area of about 2,685 sq ft and a typical 4-bedroom, 3-bath layout. Source: CPAR closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
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.
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Cedar Creek At Deerpoint Lake
Cedar Creek At Deerpoint Lake
Cedar Creek At Deerpoint Lake
Cedar Creek At Deerpoint Lake
Cedar 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
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 ($551K) IS the median in the snapshot above, and the move from 2025 ($587K) IS the -6.1% one-year change.
Windows contain 0 to 15 sales each (15 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.
28% 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 (2026-10-19).
Cedar Creek At Deerpoint Lake Market Scorecard
Cedar Creek At Deerpoint Lake is currently a balanced market., a median asking price of $589,000, and homes go under contract in about 59 days.
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.
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 and pending Cedar Creek At Deerpoint Lake listings as of 2026-10-19, 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 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.
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.
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 $1,073/yr across 6 listings here (MLS tax records, 2026-10-20). |
|---|---|
| HOA dues | Median $120/month across 5 MLS listings (most billed quarterly; 2026-10-20). 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 2021 across 10 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
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.
HOA, CDD & Fees
- HOA dues reported around $120/month (about $1,440/yr) · median of 5 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $120 per month ($1,440 a year) — the median AssociationFee across 5 MLS records, normalised to a monthly figure; most are billed quarterly. 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.
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.
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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. 5 on record.
- 4004 Baxley Bend Road · off market
- 4138 Cedar Creek Drive · off market
- 4215 Wood Duck Cove · off market
- 9837 Summer Creek Drive · off market
- 9895 Summer Creek Drive · off market
Last 30 days in Cedar Creek At Deerpoint Lake: 1 new listing (median asking $1,399,000), 3 under contract right now. As of October 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.
| Location | Panama City, Bay County, FL · ZIP 32409 |
|---|---|
| Home types (current listings and sales) | singlefamilyresidence 100% |
| Sale prices, last 12 months | $550,810 median across 15 closed sales · -6.1% vs the prior 12 months |
| Days on market (closed sales) | 67 median |
| For sale right now | 3 active, 3 pending · median asking $589,000 |
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, “Cedar Creek At Deerpoint Lake key facts,” movewithmomentum.com/neighborhoods/cedar-creek-at-deerpoint-lake, data as of September 20, 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.
Just listed in Cedar Creek At Deerpoint Lake
The newest homes for sale in Cedar Creek At Deerpoint Lake right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 9701 Summer Creek Drive, Panama City, FL 32409 $1,399,000 · 3 bd · 4 ba · 3 days on market Courtesy of Anchor Realty Florida
- 9716 Sweetfield Lane, Panama City, FL 32409 $585,000 · 4 bd · 2 ba · 65 days on market Courtesy of EXP Realty LLC
Checked against the MLS Oct 20, 2026. All new listings in this market.
Every Home for Sale in Cedar Creek At Deerpoint Lake Right Now (5)
All 5 active and pending Cedar Creek At Deerpoint Lake listings with a detail page, newest first, refreshed twice a day from the MLS.
- 9701 Summer Creek Drive, Panama City, Fl 32409 · $1,399,000 · 3 bd / 4 ba · listed Sep 7, 2026 · listed by Anchor Realty Florida
- 9716 Sweetfield Lane, Panama City, Fl 32409 · $585,000 · 4 bd / 2 ba · listed Aug 2, 2026 · listed by EXP Realty LLC
- 4509 Tender Creek Cove, Southport, Fl 32409 · $659,900 · 4 bd / 3 ba · pending · listed Jul 25, 2026 · listed by Think Real Estate
- 4514 Lovegrass Lane, Panama City, Fl 32409 · $537,784 · 4 bd / 3 ba · pending · listed Jul 22, 2026 · listed by Adams Homes Realty, Inc.
- 4513 Silkwater Lane, Panama City, Fl 32409 · $534,400 · 4 bd / 2 ba · pending · listed Jul 22, 2026 · listed by Adams Homes Realty, Inc.
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Panama City guides & data
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Florida buyer guides
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- Florida flood insurance calculator
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Summer Creek Drive (21 homes on record)
- Summer Creek Drive (1 homes on record)
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?
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?
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: October 19, 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 2017 (34 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.
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See how Cedar Creek At Deerpoint Lake fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Cedar Creek At Deerpoint Lake
- Home values · What homes in Cedar Creek At Deerpoint Lake actually sell for
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