Horizon South Townhouses
Homes for Sale in Panama City Beach, FL

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

Community in Panama City Beach · Bay County · ZIP 32413
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True comps, carrying-cost math, and listings before the portals.

Photo via CPAR MLS

Built fromLive CPAR MLS data10 years of closingsUpdated twice daily

As of October 2026, Horizon South Townhouses in Panama City Beach, FL has 3 homes for sale. Homes listed or recently sold were built 1984–1984; none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 31 ft).

Live · Horizon South Townhouses 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)
3 · 0
For sale · pending
live counts, refreshed twice daily

Homes For Sale Right Now in Horizon South Townhouses

Live MLS inventory for Horizon South Townhouses. 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 Horizon South Townhouses 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 Horizon South Townhouses Right Now (3)

All 3 active and pending Horizon South Townhouses listings with a detail page, newest first, refreshed twice a day from the MLS.

Jon Brooks, founder of Momentum Realty
Jon's Current Read

There is not enough active listing data on Horizon South Townhouses right now to point to a price trend, a days-on-market pattern, or an inventory count. That in itself tells you something: this is a small, thinly-traded townhouse community rather than a high-turnover subdivision, and pricing here will be set listing by listing rather than by a visible market curve.

For a buyer, that means doing homework on the specific unit rather than leaning on community-wide averages. For a seller, it means comparables may need to be pulled from a wider radius or a longer time window, since there may not be enough recent same-community sales to anchor a number with confidence.

The 60-Second Overview

Horizon South Townhouses is a townhouse community in Panama City Beach, Bay County, with limited current MLS activity — current listings do not identify a defined amenity package.

CPAR sales records identify 6 homes in Horizon South Townhouses that have changed hands since 2021, built between 1983 and 1989 (median 1984), with a median living area of about 1,184 sq ft and a typical 2-bedroom, 2.5-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.

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 targeting Panama City Beach who prefers a townhouse footprint over a condo tower
  • A buyer willing to verify amenities and HOA terms directly rather than relying on a published community amenity list
  • A buyer comfortable making a decision with limited comparable-sale data on hand

Probably not for

  • A buyer who wants a confirmed, documented amenity package before making an offer
  • A buyer who relies heavily on recent same-community comparable sales to validate price
  • A buyer who wants a high-turnover market with frequent, easily benchmarked listings

The market around Horizon South Townhouses

Horizon South Townhouses 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 Horizon South Townhouses specifically. Momentum Research analysis of MLS records.

Housing distress & ownership in Horizon South Townhouses, 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 31 listings
Distress share trend — 0.0% now (2026-08-12 → 2026-09-25)

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.

Listing locations from CPAR MLS. Map data © OpenStreetMap, tiles © CARTO.

If we were buying in Horizon South Townhouses 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 Horizon South Townhouses.

Best Buy
A buyer looking for a smaller-scale townhouse option in Panama City Beach rather than a high-rise condo.
Biggest Risk
Thin data means pricing and amenity details must be confirmed directly rather than assumed from community averages.
Sweet Spot
Buyers comfortable doing unit-specific due diligence in exchange for a quieter, less crowded segment of the beach market.
Avoid If
You want a community with a clearly documented amenity package and a visible, active resale market to benchmark against.

A quiet corner of the Panama City Beach market

Panama City Beach covers a wide range of product, from high-rise condo towers to smaller townhouse clusters like Horizon South. Communities like this one tend to move differently than the beachfront towers — fewer units, less frequent turnover, and pricing driven more by individual unit condition and location within the community than by a shared set of building amenities.

Because current MLS listings for Horizon South do not identify a defined amenity package, buyers should not assume pool access, clubhouse features, or other shared facilities are included — that needs to be confirmed unit by unit through the listing and any HOA documents, rather than assumed from the community name.

“

The location and the amenities are priced into every listing in Horizon South Townhouses. 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 community with limited visible MLS history, the value we add is in the legwork: pulling whatever comparable sales exist, verifying what amenities and HOA terms actually apply to a given unit, and making sure a price is grounded in something real rather than a generic beach-town assumption.

Horizon South Townhouses in 15 seconds.

Best forA buyer looking for a smaller-scale townhouse option in Panama City Beach rather than a high-rise condo.
Biggest advantageIts lower profile in the MLS can mean less competition on offers when a unit does list.
Biggest riskThin data means pricing and amenity details must be confirmed directly rather than assumed from community averages.
Sweet spotBuyers comfortable doing unit-specific due diligence in exchange for a quieter, less crowded segment of the beach market.
Avoid ifYou want a community with a clearly documented amenity package and a visible, active resale market to benchmark against.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Horizon South Townhouses 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 Horizon South Townhouses.
In short
  • HOA dues reported around $325/month (about $3,900/yr) · median of 40 MLS listings, most billed monthly
  • Any club/amenity membership is billed separately

Listings in this community report association dues of about $325 per month ($3,900 a year) — the median AssociationFee across 40 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 Horizon South Townhouses sales matched to your home.

What is your Horizon South Townhouses home worth?

Get a no-obligation home value based on real comparable sales in Horizon South Townhouses, 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 targeting Panama City Beach who prefers a townhouse footprint over a condo towerExcellent fit
A buyer willing to verify amenities and HOA terms directly rather than relying on a published community amenity listExcellent fit
A buyer comfortable making a decision with limited comparable-sale data on handExcellent fit
A buyer who wants a confirmed, documented amenity package before making an offerProbably not
A buyer who relies heavily on recent same-community comparable sales to validate priceProbably not
A buyer who wants a high-turnover market with frequent, easily benchmarked listingsProbably 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 2016 (12 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 →

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Common questions about Horizon South Townhouses

Where is Horizon South Townhouses?

Horizon South Townhouses is a community in Panama City Beach, Bay County, Florida, ZIP 32413.

Are there homes for sale in Horizon South Townhouses right now?

Yes — 3 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.

Does Horizon South Townhouses have an HOA or CDD?

No HOA is on record for Horizon South Townhouses 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.

Nearby Communities

Explore more neighborhoods near Horizon South Townhouses with Momentum Realty’s local guides.

Horizon South Xii0.1 mi awayHorizon South Xviii0.1 mi away · median $230K, 4 sales/12 moHorizon South0.1 mi away · median $195K, 5 sales/12 moHorizon South Xiv0.1 mi away · 3 for saleHorizon South Xix0.1 mi awayHorrizon South Xxi0.1 mi away · 1 for sale

Browse all neighborhood guides →

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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.