Horizon South Xii
Homes for Sale in Panama City Beach, FL
All 725 homes for sale in Panama City Beach, FL · median $369,000 · 685 condos for sale in Panama City Beach · 660 homes for sale in 32413 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of November 2026, the MLS records 2 closed sales in Horizon South Xii in Panama City Beach, FL since 2026, the most recent in September 2026. Across Panama City Beach as a whole, 613 homes closed in the last 12 months at a median of $442,250, 74 median days on market. At that median and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $5,430 ($4,940 with the full homestead exemption).
Part of Horizon South, Panama City Beach, FL — see all Horizon South homes for sale (18 listings across 5 sections in the MLS).
There is no active closing history in the current MLS snapshot for Horizon South Xii, which means we cannot point to a median price, a pace of sales, or any pattern in how homes here are trading right now. That is a data gap, not a judgment on the community itself.
For a buyer or seller, this means the usual market-timing tools do not apply yet. Pricing and offer strategy here have to be built listing by listing, using comparable activity from nearby Panama City Beach communities rather than a track record specific to this one.
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 Xii sits in Panama City Beach, Bay County, but the current MLS feed shows no recent closings and no amenities documented for the community, so there is little to report beyond its location.
CPAR sales records identify 5 homes in Horizon South Xii that have changed hands since 2020, built between 1989 and 1992 (median 1989), with a median living area of about 608 sq ft and a typical 1-bedroom, 1.5-bath layout; 80% 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.
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.
Who Horizon South Xii is best for.
Best for
- A buyer focused on the Panama City Beach area generally, open to a community without a recent sales track record
- Someone comfortable doing extra diligence on HOA terms and amenities before committing
- A buyer or investor willing to price a home based on individual comps rather than community-wide data
Probably not for
- A buyer who wants to see recent closed sales in the same community before making an offer
- Someone who needs documented, established amenities as part of the decision
- A buyer uncomfortable with limited market data guiding the pricing conversation
The market around Horizon South Xii
Horizon South Xii is too small for its own price trend, so here is the market around it.
In ZIP 32413, 735 homes are on the market and 13% are under contract — a slower corner of Panama City Beach.
Across Bay County, 2,406 homes are active and 434 pending (15% 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 Xii specifically. Momentum Research analysis of MLS records.
The Horizon South Xii buying strategy.
If we were buying in Horizon South Xii 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 Xii.
A community with no current data trail
With zero closings in the current window, Horizon South Xii is effectively quiet in the MLS right now. That can mean a small inventory of homes, a slow stretch between sales, or simply a community that turns over infrequently. Any of those is plausible and we would need to look listing-by-listing, or check surrounding areas of Panama City Beach, to get real context.
No community amenities are identified in current listings either. That does not necessarily mean the community has none, only that nothing has come through the MLS description field recently. Anyone seriously considering a home here should verify amenities, HOA structure, and any recent sales directly rather than relying on aggregate market data, because there is not enough of it yet to draw conclusions.
The location and the amenities are priced into every listing in Horizon South Xii. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
When a community has this little public transaction data, the value of local, hands-on research goes up. We will pull whatever comparable activity exists nearby in Panama City Beach, verify amenities and HOA details directly rather than relying on a stale listing description, and tell you plainly if we think a specific home is priced fairly given the lack of a track record.
Horizon South Xii in 15 seconds.
Tools for a Horizon South Xii 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 Xii 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 Xii, 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 Xii home worth?
Get a no-obligation home value based on real comparable sales in Horizon South Xii, 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 Xii?
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 2026-11-11 |
| Historical depth | Closed-sale records back to 2026 (2 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. A Momentum agent can 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.
See how Horizon South Xii fits the bigger picture — live prices, inventory, and Momentum Scores: