Horizon South Townhouses
Homes for Sale in Panama City Beach, FL
All 725 homes for sale in Panama City Beach, FL · median $369,000 · 672 homes for sale in 32413 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of November 2026, Horizon South Townhouses in Panama City Beach, FL has 3 homes for sale. Homes listed or recently sold were built 1983–1984; 3 of 3 report an HOA (median $325/mo).
Last 30 days in Horizon South Townhouses: 1 new listing (median asking $275,000). As of November 14, 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 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 · 93 daysTop listing
Active · 144 days
Active · 2 daysActive and pending Horizon South Townhouses listings as of 2026-11-13, 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.
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.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
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.
The setting & the homes.
Aerial and on-site photos of Horizon South Townhouses. Swipe to explore the community.
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Horizon South TownhousesHorizon South TownhousesHorizon South TownhousesPhotos from CPAR MLS listings in Horizon South Townhouses; content deemed reliable but not guaranteed.
Who Horizon South Townhouses is best for.
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), 262 homes closed in the last 12 months at a median of $499K, with a median 71 days on market. Right now 336 active and 61 pending listings put supply at about 15.4 months — a soft 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.
Horizon South Townhouses 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 Horizon South Townhouses buying strategy.
If we were buying in Horizon South Townhouses 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 Horizon South Townhouses.
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.
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.
Tools for a Horizon South Townhouses 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 Horizon South Townhouses sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Horizon South Townhouses, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
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 →
Should you buy in Horizon South Townhouses?
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: November 13, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-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.
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. A Momentum agent can price yours against live local comps.
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See how Horizon South Townhouses fits the bigger picture — live prices, inventory, and Momentum Scores:
What it really costs to own in Horizon South Townhouses
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 $2,496/yr across 4 listings here (MLS tax records, 2026-11-14). |
|---|---|
| HOA dues | Median $325/month across 3 MLS listings (most billed monthly; 2026-11-14). 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. |
| Roof and age | Median build year 1984 across 6 listings. An original roof here would be about 42 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 $694/month (tax $208, HOA $325, insurance $161). An estimate from the sources above, not a quote.
Email me new listings in Horizon South Townhouses
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 Horizon South Townhouses
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Horizon South Townhouses will answer, and the answer is published on this page for the next buyer.
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.