Grande Surf Club
Condos for Sale in Panama City, FL
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of September 2026, Grande Surf Club Condo in Panama City, FL has 4 homes for sale, asking from $799,900 to $975,000 (median $842,000). Over the 12 months ending 2026-09-12, 3 recorded sales closed at a median of $887,400, a median 73 days on market, sellers accepting 95% of original asking. Homes listed or recently sold were built 2000–2000; 4 of 4 report an HOA (median $1,420/mo); 3 of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 14 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $10,890 ($10,410 with the full homestead exemption).
Homes For Sale Right Now in Grande Surf Club Condo
Live MLS inventory for Grande Surf Club 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 Grande Surf Club Condo listings as of 2026-09-12, 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.
The number that stands out here is the sample size: only three closings feed the current snapshot, so a median price near $887,400 should be read as a data point, not a market law. With that few transactions, one unusually large or unusually modest unit can swing the median substantially, and the next closing could move the picture again.
Median days on market sits at 73, which points to a deliberate, not rushed, sales process. Combined with the thin closing count, this reads as a market where pricing strategy on a single unit matters more than following a broader trend line — because right now, there isn't much of a trend line to follow.
The 60-Second Overview
Grande Surf Club Condo market snapshot (as of September 12, 2026): the median sale price is about $887K, and a median 73 days on market for closed sales.
Grande Surf Club Condo is a condominium community in Panama City, Bay County, currently showing a median sale price of $887,400 and a median 73 days on market across a small closings sample.
The setting & the homes.
Aerial and on-site photos of Grande Surf Club Condo. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Grande Surf Club Condo
Grande Surf Club Condo
Grande Surf Club Condo
Grande Surf Club CondoPhotos from CPAR MLS listings in Grande Surf Club Condo; content deemed reliable but not guaranteed.
Who Grande Surf Club Condo is best for.
Best for
- A buyer targeting a specific unit at Grande Surf Club Condo who is prepared to verify condo documents and amenities independently rather than relying on listing descriptions.
- A seller comfortable pricing based on limited recent comps and willing to let a listing sit closer to the median 73-day mark to find the right buyer.
- An investor or purchaser with flexible timing who can absorb some uncertainty in a market with a small closings sample.
Probably not for
- A buyer who wants a confirmed list of building amenities before writing an offer, since none are currently identified from MLS listings.
- Someone who needs a large comp set to validate a price before committing, given only three closings inform the current median.
- A buyer or seller expecting a fast, high-volume sale process; the current 73-day median suggests a slower, more deliberate pace.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level CPAR MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($887K) IS the median in the snapshot above.
Windows contain 0 to 4 sales each (3 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.
Grande Surf Club Condo Market Scorecard
Grande Surf Club Condo is currently a thin data market. Limited supply, a median asking price of $842,000, and homes go under contract in about 36 days.
Typical home value in the 32408 ZIP is $370,292, about 2.6% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Grande Surf Club Condo, 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.
Grande Surf Club Condo 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, tiles © CARTO.
The Grande Surf Club Condo buying strategy.
If we were buying in Grande Surf Club Condo 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 Grande Surf Club Condo.
A market defined by thin data
With only three closings in the current window, Grande Surf Club Condo doesn't yet offer the kind of statistical depth that lets a buyer or seller lean on averages with confidence. The $887,400 median is real, but it represents a small handful of transactions rather than a broad cross-section of unit types, floors, or conditions — which means unit-specific factors are likely doing more pricing work than any building-wide trend.
Current MLS listings for the community do not identify specific amenities, so anything a buyer wants to confirm — building services, parking arrangements, association rules, or shared facilities — should be verified directly through condo documents and association records rather than assumed. At 73 median days on market, sellers have room to price carefully and buyers have room to do that diligence without feeling rushed by competing offers.
The location and the amenities are priced into every listing in Grande Surf Club Condo. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this thin on closings, pricing a unit well or evaluating an asking price requires more than pulling a median off a report. We dig into the individual comps that exist, flag when a number is being carried by too few data points, and push for the condo documents and amenity details that current listings don't spell out — so you're negotiating from facts, not assumptions.
Grande Surf Club Condo 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 Grande Surf Club Condo 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 Grande Surf Club Condo sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Grande Surf Club Condo, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Grande Surf Club Condo home worth?
Get a no-obligation home value based on real comparable sales in Grande Surf Club 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 homes for sale in Grande Surf Club Condo on the map →
Frequently Asked Questions
What is the median home price in Grande Surf Club Condo?
How long do homes in Grande Surf Club Condo take to sell?
Who is the best real estate agent for Grande Surf Club Condo?
How do I find a top Panama City real estate agent who knows Grande Surf Club Condo?
Can Momentum Realty connect me with an agent for Grande Surf Club Condo?
Should you buy in Grande Surf Club Condo?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Grande Surf Club Condo with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 12, 2026 |
| Under-contract shares | CPAR MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2012 (21 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 Grande Surf Club Condo fits the bigger picture — live prices, inventory, and Momentum Scores: