Emerald Beach Resort
Condos for Sale in Panama City Beach, FL
All 731 homes for sale in Panama City Beach, FL · median $365,000 · 694 condos for sale in Panama City Beach · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via CPAR MLS
As of October 2026, Emerald Beach Resort in Panama City Beach, FL has 10 homes for sale and 3 pending, asking from $330,000 to $529,000 (median $418,750). Over the 12 months ending 2026-09-20, 14 recorded sales closed at a median of $387,000, a median 143 days on market, sellers accepting 92% of original asking (-21% versus the prior year). Homes listed or recently sold were built 2007–2007; 13 of 13 report an HOA (median $1,095/mo); 13 of the 13 geocoded homes sit in a FEMA special flood hazard zone (median elevation 19 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $4,750 ($4,270 with the full homestead exemption).
Last 30 days in Emerald Beach Resort: 1 new listing (median asking $330,000), 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.
Homes For Sale Right Now in Emerald Beach Resort
Live MLS inventory for Emerald Beach Resort. 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 Emerald Beach Resort 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.
Emerald Beach Resort is pricing off condition and unit position more than anything else right now. With a median of $442,500 and a market heat score sitting at just 15, this is a buyer's negotiating environment, not a seller's momentum story. The pullback of 10.1% year over year tells you sellers who bought at the recent peak need to price to the current market, not to last year's comps.
Days on market running well past four months (138) means listings are sitting long enough for buyers to be selective and for sellers to feel the carrying cost. That combination — soft pricing, slow absorption, low heat — favors patient offers and inspection-driven negotiation over urgency.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Emerald Beach Resort right now
🔴 Off the recent peak. The trailing-12-month median ($387K) is down 20.7% from the prior 12 months ($488K) and up 152% since 2012. With about 27 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 (14 and 11 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
Emerald Beach Resort market snapshot (as of September 20, 2026): the median sale price is about $387K, and a median 144 days on market for closed sales. The trailing-12-month median is down 21% from the prior 12 months and up 152% since 2012, computed from record-level CPAR MLS closed sales (14 closings in the current window).
In ZIP 32013 (Panama City Beach), 244 homes closed in the last 12 months at a median of $425K, down 4.5% year over year, with a median 76 days on market. Right now 171 active and 19 pending listings — a soft market. See the live ZIP 32013 housing market and the Bay County market.
CPAR sales records identify 36 homes in Emerald Beach Resort that have changed hands since 2007, built between 2005 and 2007 (median 2007), with a median living area of about 934 sq ft and a typical 1-bedroom, 2-bath layout; 100% are condominiums. Source: CPAR closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Flood zones in Emerald Beach Resort: of 10 listing addresses checked against the FEMA National Flood Hazard Layer, 100% are in a V-series coastal high-hazard zone. Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Panama City Beach.
Emerald Beach Resort sits within Panama City Beach's condo-resort corridor in Bay County, where pricing tends to move with unit condition and rental history rather than broad neighborhood trends.
The setting & the homes.
Aerial and on-site photos of Emerald Beach Resort. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Emerald Beach ResortPhotos from CPAR MLS listings in Emerald Beach Resort; content deemed reliable but not guaranteed.
Who Emerald Beach Resort is best for.
Best for
- Buyers who want a Panama City Beach condo and have flexibility on timeline while the market works through current inventory
- Buyers focused on value relative to the long-term price trend since 2012 rather than short-term momentum
- Buyers willing to negotiate on price given the extended median days on market
Probably not for
- Buyers who need a fast close in a low-inventory, high-competition environment
- Buyers who require confirmed on-site resort amenities as a condition of purchase, since none are currently identified from active listings
- Sellers expecting last year's pricing given the 10.1% year-over-year pullback
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 ($387K) IS the median in the snapshot above, and the move from 2025 ($488K) IS the -20.7% one-year change.
Windows contain 8 to 46 sales each (14 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.
23% of homes for sale in Emerald Beach Resort 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 (2026-10-15).
Emerald Beach Resort Market Scorecard
Emerald Beach Resort is currently a balanced market., a median asking price of $379,000, and homes go under contract in about 210 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.
Emerald Beach Resort 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 Emerald Beach Resort buying strategy.
If we were buying in Emerald Beach Resort 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 Emerald Beach Resort.
A Market Correcting From a Peak
The long view here is still positive: values are up 191% since 2012, which is a meaningful multi-cycle gain for a resort-condo product. But the near-term picture has cooled — the 10.1% year-over-year decline and a heat score of 15 point to a market that has pulled back from its most competitive phase and is now working through inventory more slowly.
Only 13 closings in the current window is a thin sample, so any single sale can swing the median. That thinness, paired with 138 median days on market, means pricing strategy and patience matter more here than chasing a number from a recent sale down the hall. No community amenities are currently identified from active MLS listings, so buyers should confirm directly what a given unit or building offers rather than assuming resort-style features are included.
The location and the amenities are priced into every listing in Emerald Beach Resort. 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 Emerald Beach Resort 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 (5.0). Basis: Long-Term Appreciation +152% since 2012; Recent Direction -20.7% year-over-year; Pricing Power 92.5% sale-to-list. Refreshed with each data update.
Why work with Momentum here
With only 13 closings to reference and a wide spread in condition-driven pricing, reading this market well means knowing which recent sales are representative and which are outliers. We track that closing-by-closing so offers and listing prices are grounded in what is actually happening now, not in a stale comp.
Emerald Beach Resort in 15 seconds.
What it really costs to own in Emerald Beach Resort Condos for Sale
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 $4,294/yr across 18 listings here (MLS tax records, 2026-10-20). |
|---|---|
| HOA dues | Median $1,095/month across 13 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. Flood: of 10 listing addresses checked against the FEMA flood map, 0% sit outside the high-risk zone and 100% inside one, where flood insurance is required with a federally backed mortgage. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2007 across 26 listings. An original roof here would be about 19 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 for replacement where it fails. |
Estimated carrying cost at the median asking price, before the mortgage: about $1,614/month (tax $358, HOA $1,095, insurance $161). An estimate from the sources above, not a quote.
Email me new listings in Emerald Beach Resort Condos for Sale
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 Emerald Beach Resort Condos for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Emerald Beach Resort Condos for Sale will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $1,095/month (about $13,140/yr) · median of 13 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $1,095 per month ($13,140 a year) — the median AssociationFee across 13 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.
Flood & Insurance Context
Of 10 sampled listing addresses in this community: 100% in a V-series coastal high-hazard zone.
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=10) · as of 2026-10
Tools for a Emerald Beach Resort 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 Emerald Beach Resort sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Emerald Beach Resort, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Emerald Beach Resort home worth?
Get a no-obligation home value based on real comparable sales in Emerald Beach Resort, 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 Emerald Beach Resort
Homes in Emerald Beach Resort 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.
- 14701 Front Beach Road 1127 · off market
- 14701 Front Beach Road 1132 · off market
- 14701 Front Beach Road 1933 · off market
- 14701 Front Beach Road 2525 · off market
- 14701 Front Beach Road 627 · off market
| Location | Panama City Beach, Bay County, FL · ZIP 32013, 32407, 32408, 32413 |
|---|---|
| Home types (current listings and sales) | condos 100% |
| Sale prices, last 12 months | $387,000 median across 14 closed sales · -20.7% vs the prior 12 months |
| Days on market (closed sales) | 143 median |
| For sale right now | 13 active, 2 pending · median asking $379,000 |
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, “Emerald Beach Resort key facts,” movewithmomentum.com/neighborhoods/emerald-beach-resort, data as of September 20, 2026.
Housing distress & ownership in Emerald Beach Resort, Panama City Beach
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 Emerald Beach Resort
The newest homes for sale in Emerald Beach Resort right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 14701 Front Beach Road 826, Panama City Beach, FL 32413 $330,000 · 1 bd · 1 ba · 5 days on market Courtesy of Counts Real Estate Group Inc
- 14701 Front Beach Road 1526, Panama City Beach, FL 32413 $337,000 · 1 bd · 1 ba · 93 days on market Courtesy of Berkshire Hathaway HomeServices Beach Properties of Florida
- 14701 Front Beach Road 1825, Panama City Beach, FL 32413 $465,000 · 2 bd · 2 ba · 126 days on market Courtesy of eXp Realty, LLC
- 14701 Front Beach Road 330, Panama City Beach, FL 32413 $529,000 · 2 bd · 2 ba · 127 days on market Courtesy of Pineapple Properties
- 14701 Front Beach Road 2034, Panama City Beach, FL 32413 $379,000 · 1 bd · 2 ba · 168 days on market Courtesy of Think Real Estate
- 14701 Front Beach Road 1627, Panama City Beach, FL 32413 $387,500 · 1 bd · 2 ba · 210 days on market Courtesy of Keller Williams Success Realty
Checked against the MLS Oct 20, 2026. All new listings in this market.
Every Home for Sale in Emerald Beach Resort Right Now (13)
All 13 active and pending Emerald Beach Resort listings with a detail page, newest first, refreshed twice a day from the MLS.
- 14701 Front Beach Road 826, Panama City Beach, Fl 32413 · $330,000 · 1 bd / 1 ba · listed Oct 14, 2026 · listed by Counts Real Estate Group Inc
- 14701 Front Beach Road 529, Panama City Beach, Fl 32413 · $350,000 · 1 bd / 1 ba · pending · listed Aug 20, 2026 · listed by Counts Real Estate Group Inc
- 14701 Front Beach Road 330, Panama City Beach, Fl 32413 · $529,000 · 2 bd / 2 ba · listed Jul 22, 2026 · listed by Pineapple Properties
- 14701 Front Beach Road 825, Panama City Beach, Fl 32413 · $500,000 · 2 bd / 2 ba · listed Jul 22, 2026 · listed by Counts Real Estate Group Inc
- 14701 Front Beach Road 1931, Panama City Beach, Fl 32413 · $469,000 · 2 bd / 2 ba · listed Jul 22, 2026 · listed by Christies International Real Estate Emerald Coast
- 14701 Front Beach Road 1825, Panama City Beach, Fl 32413 · $465,000 · 2 bd / 2 ba · listed Jul 22, 2026 · listed by eXp Realty, LLC
- 14701 Front Beach Rd Road 1327, Panama City Beach, Fl 32413 · $450,000 · 1 bd / 2 ba · listed Jul 22, 2026 · listed by Berkshire Hathaway HomeServices Beach Properties of Florida
- 14701 Front Beach Road 1627, Panama City Beach, Fl 32413 · $387,500 · 1 bd / 2 ba · listed Jul 22, 2026 · listed by Keller Williams Success Realty
- 14701 Front Beach Road 2034, Panama City Beach, Fl 32413 · $379,000 · 1 bd / 2 ba · listed Jul 22, 2026 · listed by Think Real Estate
- 14701 Front Beach Road 1526, Panama City Beach, Fl 32413 · $337,000 · 1 bd / 1 ba · listed Jul 22, 2026 · listed by Berkshire Hathaway HomeServices Beach Properties of Florida
- 14701 Front Beach Road 1229, Panama City Beach, Fl 32413 · $335,000 · 1 bd / 1 ba · listed Jul 22, 2026 · listed by Keller Williams Success Realty
- 14701 Front Beach Road 2128, Panama City Beach, Fl 32413 · $348,500 · 1 bd / 2 ba · pending · listed Jul 22, 2026 · listed by The Premier Property Group
- 14701 Front Beach Road 1232, Panama City Beach, Fl 32413 · $339,000 · 1 bd / 1 ba · pending · listed Jul 22, 2026 · listed by Pineapple Properties
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Frequently Asked Questions
What is the median home price in Emerald Beach Resort?
How long do homes in Emerald Beach Resort take to sell?
Have Emerald Beach Resort home prices gone up?
Who is the best real estate agent for Emerald Beach Resort?
How do I find a top Panama City Beach real estate agent who knows Emerald Beach Resort?
Can Momentum Realty connect me with an agent for Emerald Beach Resort?
Where is Emerald Beach Resort, and what county is it in?
Should you buy in Emerald Beach Resort?
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 2012 (373 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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More on Emerald Beach Resort Condos for Sale in Panama City Beach
- Home values · What homes in Emerald Beach Resort Condos for Sale in Panama City Beach actually sell for
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