Emerald Shores
Condos for Sale in Panama City Beach, FL

All 785 homes for sale in Panama City Beach, FL · median $369,000 · 745 condos for sale in Panama City Beach · 653 homes for sale in 32413 · Bay County homes for sale

Community in Panama City Beach · Bay County · ZIP 32413
Free · No obligation
Talk to a Emerald Shores Condo Expert

True comps, carrying-cost math, and listings before the portals.

Photo via CPAR MLS

Built fromLive CPAR MLS data13 years of closingsUpdated twice daily

As of October 2026, Emerald Shores Condo in Panama City Beach, FL has 1 home for sale. As of October 2026, the MLS records 19 closed sales in Emerald Shores Condo in Panama City Beach, FL since 2013, the most recent in February 2024. Across Panama City Beach as a whole, 18 homes closed in the last 12 months at a median of $425,000, 76 median days on market, with 1,400 homes for sale today. At that median and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $5,220 ($4,730 with the full homestead exemption).

Live · Emerald Shores Condo Housing Pulse CPAR MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
0%
Under contract
Bay: 17% (528 of 3,043)
1 · 0
For sale · pending
live counts, refreshed twice daily
Jon Brooks, founder of Momentum Realty
Jon's Current Read

The honest starting point here is that current MLS activity gives us almost nothing to work with. There are no closings in the current window, which means there is no fresh comparable-sales trail to point to for pricing at Emerald Shores Condo right now.

That posture matters more than any number would. When a building shows zero recent closings, pricing has to be built from older sales, unit-specific condition, and direct comparison to similar buildings nearby rather than a live trend line. Buyers and sellers here should expect a conversation grounded in specifics, not a headline stat.

The 60-Second Overview

Emerald Shores Condo sits in Panama City Beach, Bay County, but the current MLS feed shows no closings in this window, so there is no recent transaction data to summarize.

Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.

Best for

  • A buyer comfortable pricing a unit from older sales history and direct comparables rather than a recent closing trend
  • Someone specifically targeting Panama City Beach who is willing to verify building details firsthand before committing
  • A seller prepared to build a pricing case with an agent rather than point to recent same-building sales

Probably not for

  • A buyer who wants a clear, current price trend before making a decision
  • Someone relying on MLS-listed amenities to judge what the building offers
  • A seller expecting recent comparable closings to support a fast, confident list price

The market around Emerald Shores Condo

Emerald Shores Condo is too small for its own price trend, so here is the market around it.

In ZIP 32413, 785 homes are on the market and 16% are under contract — a slower corner of Panama City Beach.

Across Bay County, 2,515 homes are active and 528 pending (17% under contract).

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.

ZIP and county figures describe the wider market, not Emerald Shores Condo specifically. Momentum Research analysis of MLS records.

Housing distress & ownership in Emerald Shores Condo, Panama City Beach

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 17 listings
Distress share trend — 0.0% now (2026-09-14 → 2026-09-19)

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.

Homes For Sale Right Now in Emerald Shores Condo

Live MLS inventory for Emerald Shores Condo. 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 Shores Condo listings as of 2026-10-01, 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.

Every Home for Sale in Emerald Shores Condo Right Now (1)

All 1 active and pending Emerald Shores Condo listings with a detail page, newest first, refreshed twice a day from the MLS.

If we were buying in Emerald Shores Condo today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Shores Condo.

Best Buy
Direct-comparison buyers and sellers willing to build a pricing case unit by unit rather than lean on a recent trend.
Biggest Risk
With zero recent closings, there is no current pricing trend to validate a list price or an offer against.
Sweet Spot
Works best for a buyer or seller prepared to verify amenities, HOA terms, and comparable pricing directly rather than from listing summaries.
Avoid If
Avoid if you need an active, recent comp set to feel confident in a price before moving forward.

When the data goes quiet

A zero-closing window does not mean nothing is happening at Emerald Shores Condo. It usually means inventory is thin, owners are holding, or the units that would sell are moving through channels this particular feed does not capture in this snapshot. Whatever the cause, it means anyone pricing a unit here right now is working without a live local comp set from this building.

Community amenities are also unlisted as of this snapshot, with none identified from current MLS listings. That is a data gap, not a verdict on what the building offers. Anyone evaluating a specific unit here should confirm amenities, HOA structure, and condition directly rather than relying on what the feed shows, since MLS listing text often understates or omits standing features.

“

The location and the amenities are priced into every listing in Emerald Shores Condo. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

In a building with no current closings and no listed amenities to lean on, the value of local, on-the-ground knowledge goes up, not down. We do the work of pulling older sales history, confirming unit-level condition and HOA details directly, and building a pricing case from evidence instead of an outdated stat, so you are not negotiating blind.

Emerald Shores Condo in 15 seconds.

Best forDirect-comparison buyers and sellers willing to build a pricing case unit by unit rather than lean on a recent trend.
Biggest advantageLocation in Panama City Beach within Bay County remains a fixed, verifiable fact even when transaction data is thin.
Biggest riskWith zero recent closings, there is no current pricing trend to validate a list price or an offer against.
Sweet spotWorks best for a buyer or seller prepared to verify amenities, HOA terms, and comparable pricing directly rather than from listing summaries.
Avoid ifAvoid if you need an active, recent comp set to feel confident in a price before moving forward.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Emerald Shores Condos for Sale in Panama City Beach, FL homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Emerald Shores Condos for Sale in Panama City Beach, FL.
In short
  • HOA dues reported around $600/month (about $7,200/yr) · median of 20 MLS listings, most billed monthly
  • Any club/amenity membership is billed separately

Listings in this community report association dues of about $600 per month ($7,200 a year) — the median AssociationFee across 20 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.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Emerald Shores Condo sales matched to your home.

What is your Emerald Shores Condo home worth?

Get a no-obligation home value based on real comparable sales in Emerald Shores Condo, 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 Beach →

Real comps, not an automated estimate.
A buyer comfortable pricing a unit from older sales history and direct comparables rather than a recent closing trendExcellent fit
Someone specifically targeting Panama City Beach who is willing to verify building details firsthand before committingExcellent fit
A seller prepared to build a pricing case with an agent rather than point to recent same-building salesExcellent fit
A buyer who wants a clear, current price trend before making a decisionProbably not
Someone relying on MLS-listed amenities to judge what the building offersProbably not
A seller expecting recent comparable closings to support a fast, confident list priceProbably not

Data sources & freshness

Live listingsCPAR MLS, refreshed twice daily (last: October 1, 2026)
Under-contract sharesCPAR MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2013 (19 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.

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.

By submitting, you agree that EAB RE INVESTMENTS LLC (Momentum Realty) and its agents may call, email, and text you about your inquiry, which may involve automated means and prerecorded or artificial voices. You do not need to consent as a condition of buying any property, goods, or services. To opt out, reply STOP at any time or reply HELP for assistance. You can also click the unsubscribe link in emails. Message and data rates may apply. Message frequency may vary. See our Privacy Policy and SMS Terms.or call (904) 351-6461
CallFree valuation →

Common questions about Emerald Shores

Where is Emerald Shores?

Emerald Shores is a community in Panama City Beach, Bay County, Florida, ZIP 32413.

Are there homes for sale in Emerald Shores right now?

Yes — 1 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.

Does Emerald Shores have an HOA or CDD?

No HOA is on record for Emerald Shores in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.

Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.

Thinking of selling in Emerald Shores Condo? See the Bay County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.

Nearby Communities

Explore more neighborhoods near Emerald Shores with Momentum Realty’s local guides.

Seahorse Villas0.1 mi away · 1 for saleRoyal Palms Of Laguna Beach0.3 mi away · 2 for saleLaguna Beach Plaza0.3 mi away · 1 for saleLaguna Beach0.3 mi away · 1 for saleLaguna Beach Estates0.3 mi away · 1 for saleLaguna Beach0.4 mi away · median $525K, 31 sales/12 moLaguna Beach0.4 mi away · 1 for saleNautilus Condo (Bay)0.5 mi away

Browse all neighborhood guides →

Talk to a Local Emerald Shores Condo Expert
Call Get Listings

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.

$2,121/mo
Bay County typical true cost to own
$161/mo
Bay County typical home insurance
Check CDD
Confirm before you offer

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.