Horizon South Xiv
Condos for Sale in Panama City Beach, FL
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of September 2026, Horizon South Xiv in Panama City Beach, FL has 3 homes for sale. Homes listed or recently sold were built 1988–1989; 3 of 3 report an HOA (median $630/mo); none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 25 ft).
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.
Horizon South Xiv Market Scorecard
Horizon South Xiv is currently a thin data market. Limited supply, a median asking price of $250,000, and homes go under contract in about 92 days.
Typical home value in the 32413 ZIP is $470,917, about 24.3% 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.
Homes For Sale Right Now in Horizon South Xiv
Live MLS inventory for Horizon South Xiv. 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 Xiv 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.
There is not enough current MLS activity in Horizon South Xiv to point to a reliable price signal right now. No median, no pace-of-sale figure, no amenity roster has surfaced in the current listing data as of this snapshot, which itself tells you something: this is a thin, low-volume corner of the Panama City Beach market rather than a high-turnover community.
For a buyer or seller, that means pricing and timing decisions here have to lean more on direct comparison to individual listings and recent closings than on a community-wide trend line. Treat any number you hear about this community with skepticism until it is confirmed against an active or recently sold listing.
The 60-Second Overview
Horizon South Xiv sits within Panama City Beach in Bay County, but current MLS data does not yet support a community-level price or pace snapshot, and no shared amenities have been identified from active listings.
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 Xiv. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Horizon South Xiv
Horizon South Xiv
Horizon South XivPhotos from CPAR MLS listings in Horizon South Xiv; content deemed reliable but not guaranteed.
Who Horizon South Xiv is best for.
Best for
- A buyer focused on a particular listing in Horizon South Xiv rather than a community-wide average
- Someone comfortable doing property-level diligence in a market segment with limited public data
- A seller who understands pricing here will rely on direct comparables rather than a published community median
Probably not for
- A buyer who wants a confirmed median price or days-on-market figure before engaging
- Someone shopping primarily by a published amenity list, since none is currently identified
- A buyer unwilling to lean on individual comparable sales in place of community-level statistics
The market around Horizon South Xiv
Horizon South Xiv is too small for its own price trend, so here is the market around it.
In ZIP 32413, 807 homes are on the market and 18% are under contract — a slower corner of Panama City Beach.
Across Bay County, 2,576 homes are active and 585 pending (18% under contract).
ZIP and county figures describe the wider market, not Horizon South Xiv specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Horizon South Xiv, Panama City Beach
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.
Horizon South Xiv 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 Horizon South Xiv buying strategy.
If we were buying in Horizon South Xiv 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 Xiv.
A community without a data trail yet
Some communities in this market have enough listing volume to generate a clear median price and a clear sense of how fast homes move. Horizon South Xiv is not currently one of them based on this snapshot. That is not a red flag on its own, but it does mean the usual shorthand — median price, days on market, amenity list — is not available to lean on.
What this means practically: any home here has to be evaluated on its own terms. Condition, lot, unit position, and recent comparable sales carry more weight than they would in a community with a deep, consistent trading history.
The location and the amenities are priced into every listing in Horizon South Xiv. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
When a community does not have a strong public data trail, the value of local, hands-on comparison goes up. We pull the individual listing history, nearby comparable sales, and current competing inventory directly rather than relying on a community-wide average that does not exist yet for Horizon South Xiv.
Horizon South Xiv 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 Horizon South Xiv 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 Xiv 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 Xiv, 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 Xiv home worth?
Get a no-obligation home value based on real comparable sales in Horizon South Xiv, 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 Horizon South Xiv on the map →
Should you buy in Horizon South Xiv?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Horizon South Xiv with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: September 12, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2012 (18 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 Horizon South Xiv fits the bigger picture — live prices, inventory, and Momentum Scores: