Cedar Creek Chase
Homes for Sale in Panama City, FL
All 257 homes for sale in Panama City, FL · median $349,000 · 42 homes for sale in 32409 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $455,000, a median 76 days on market, sellers accepting 95% of original asking. At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $5,590 ($5,100 with the full homestead exemption).
| Location | Panama City, Bay County, FL · ZIP 32409 |
|---|---|
| Homes in the community | 46 (FL DOR 2025 assessment roll) |
| Years built | 2006–2023 (median 2015.5) |
| Typical living area | 2,581 sq ft (median) |
| Sale prices, last 12 months | $455,000 median across 4 closed sales |
| Days on market (closed sales) | 76 median |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 56% |
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; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Cedar Creek Chase key facts,” movewithmomentum.com/neighborhoods/cedar-creek-chase, data as of September 20, 2026.
Cedar Creek Chase is a small, relatively young pocket of Panama City — 70 homes built between 2006 and 2024, with a median build year of 2017. That construction window is the main price driver here: buyers are largely comparing homes built within the last two decades rather than sorting through a wide range of ages and renovation states, which keeps the market's price signal fairly clean.
At a $465,000 median and a median 51 days on market, this reads as a steady, unhurried market rather than a bidding-war environment. With only 70 homes in the community and a modest closings sample, pricing needs to be built listing-by-listing off recent comparable closings rather than assumed from broad neighborhood averages.
Nearby homes for sale
No active listings inside Cedar Creek ChaseHomes for Sale in Panama City, FL right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Cedar Creek Chase market snapshot (as of September 20, 2026): the median sale price is about $455K, and a median 76 days on market for closed sales.
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.
County records show 3 qualified sales in Cedar Creek Chase across 2024–2024, median $478,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Cedar Creek Chase is a community of 46 homes in Panama City, Bay County, built between 2006 and 2023 (median 2015.5), with a median living area of about 2,581 square feet. 56% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Cedar Creek Chase is a compact, newer-construction community in Panama City, Bay County, with homes concentrated in the 2006-2024 build range and a median living area around 2,612 square feet — favoring buyers looking for larger single-family floor plans over older or smaller housing stock in the area.
Who Cedar Creek Chase is best for.
Best for
- Buyers wanting a newer-built (2006-2024) single-family home with more square footage than older Panama City stock typically offers
- Buyers comfortable pricing off recent comparable closings in a smaller community rather than a large, data-rich subdivision
- Buyers prioritizing home size and construction era over community amenities
Probably not for
- Buyers who want on-site amenities like a pool, clubhouse, or organized common areas
- Buyers who need a large, liquid inventory pool to choose from at any given time
- Buyers expecting a fast-moving, high-competition market pace
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 ($455K) IS the median in the snapshot above.
Windows contain 1 to 10 sales each (4 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 (2026-09-20).
Cedar Creek Chase Market Scorecard
Cedar Creek Chase is currently a balanced market..
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.
Housing distress & ownership in Cedar Creek Chase, 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.
The Cedar Creek Chase buying strategy.
If we were buying in Cedar Creek Chase 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 Chase.
A newer, larger-format pocket of Bay County
The defining fact about Cedar Creek Chase is its build era: with a median year built of 2017 and a full range spanning 2006 to 2024, most homes here are working with more current construction standards and floor plans than what's typical in older Panama City neighborhoods. Median living space of roughly 2,612 square feet points toward larger single-family homes rather than a starter-home mix.
Roughly 40.5% of homes carry a homestead exemption, suggesting a meaningful share of owner-occupied residency alongside a portion of non-homesteaded ownership — worth noting for anyone comparing this community to more heavily rental- or investment-driven pockets nearby. No community amenities are identified from current MLS listings, so buyers should treat this as a residential-only setting and verify any shared features directly rather than assuming a clubhouse, pool, or gated infrastructure.
The location and the amenities are priced into every listing in Cedar Creek Chase. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
With only 70 homes and a small closings sample, Cedar Creek Chase is not a community where broad averages tell the whole story — pricing a listing or evaluating an offer here means pulling the most current comparable closings and reading them against build year and square footage, not leaning on neighborhood-wide assumptions. We work this the way we work every small, newer-construction pocket: comp-by-comp, with a clear read on what's actually closing and why.
Cedar Creek Chase in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
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 Chase 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 Chase 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 Chase, 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 Chase home worth?
Get a no-obligation home value based on real comparable sales in Cedar Creek Chase, 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 Chase
Homes in Cedar Creek Chase 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. 2 on record.
- 3428 High Cliff Road · off market
- 3509 High Cliff Road · off market
Frequently Asked Questions
What is the median home price in Cedar Creek Chase?
How long do homes in Cedar Creek Chase take to sell?
How many homes are in Cedar Creek Chase?
What share of Cedar Creek Chase is owner-occupied?
When were the homes in Cedar Creek Chase built?
Who is the best real estate agent for Cedar Creek Chase?
How do I find a top Panama City real estate agent who knows Cedar Creek Chase?
Can Momentum Realty connect me with an agent for Cedar Creek Chase?
Where is Cedar Creek Chase, and what county is it in?
Should you buy in Cedar Creek Chase?
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: September 17, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32409)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (71 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. Momentum sells for 1.25% above the CPAR MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Cedar Creek Chase fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Cedar Creek Chase
- Home values · What homes in Cedar Creek Chase actually sell for
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