Horizon South Xix
Homes for Sale in Panama City Beach, FL
All 785 homes for sale in Panama City Beach, FL · median $369,000 · 745 condos for sale in Panama City Beach · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of October 2026, the MLS records 23 closed sales in Horizon South Xix in Panama City Beach, FL since 2012, the most recent in August 2026. Across Panama City Beach as a whole, 18 homes closed in the last 12 months at a median of $425,000, 76 median days on market, with 1,400 homes for sale today. At that median and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $5,220 ($4,730 with the full homestead exemption).
Part of Horizon South, Panama City Beach, FL — see all Horizon South homes for sale (24 listings across 5 sections in the MLS).
Horizon South Xix in Panama City Beach is not a community with a heavy current MLS footprint, and that matters for how you should approach it. With limited active listing and closing data to pull from right now, pricing here is better understood by pulling comparable properties and recent activity directly rather than leaning on a broad market average.
For a buyer, that means doing the legwork on a specific unit or lot before assuming anything about value. For a seller, it means positioning matters more than chasing a market number, since there is not a deep run of recent comparable closings to lean on for pricing confidence.
The 60-Second Overview
Horizon South Xix sits within Panama City Beach in Bay County, an area shaped as much by its individual buildings and lot types as by any single community-wide trend, and the current MLS picture here is thin enough that each listing needs to be evaluated on its own terms.
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 Xix is best for.
Best for
- A buyer comfortable evaluating a specific property on its own merits rather than leaning on community-wide statistics
- A buyer or seller who wants direct, verified information on amenities and association terms rather than assumptions from listing history
- Someone already committed to the Panama City Beach area who is flexible on which specific community best fits their goals
Probably not for
- A buyer who wants a well-documented price history before making an offer
- Someone relying on a published amenities list to make a decision without independent verification
- A buyer who needs strong recent closing data to benchmark an asking price with confidence
The market around Horizon South Xix
Horizon South Xix is too small for its own price trend, so here is the market around it.
Across Bay County, 2,515 homes are active and 528 pending (17% under contract).
In ZIP 32013 (Panama City Beach), 244 homes closed in the last 12 months at a median of $425K, down 4.5% year over year, with a median 76 days on market. Right now 171 active and 19 pending listings — a soft market. See the live ZIP 32013 housing market and the Bay County market.
ZIP and county figures describe the wider market, not Horizon South Xix specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Horizon South Xix, 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.
The Horizon South Xix buying strategy.
If we were buying in Horizon South Xix 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 Xix.
Reading a Thin Market
When a community shows limited recent MLS activity, the instinct is to assume there is nothing to say. The more accurate read is that the data set is small, which changes the analysis rather than eliminating it. A handful of listings or closings can move a median significantly, so broad statements about pricing trend or pace here would outrun what the numbers actually support.
No specific community amenities have been identified from current MLS listings for Horizon South Xix. That is not necessarily a statement about what exists on the ground, it is a statement about what current listing sheets disclose. Anyone evaluating a property here should confirm amenities, association details, and any use restrictions directly rather than assuming them from the listing history alone.
The location and the amenities are priced into every listing in Horizon South Xix. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market with a thin current listing history, the value of local, on-the-ground due diligence goes up, not down. We do not fill gaps in the data with assumptions. Where MLS activity is limited, we pull the specific comparables that exist, verify amenity and association detail directly, and tell you plainly where the data is solid and where it is not.
Horizon South Xix in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $715/month (about $8,580/yr) · median of 20 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $715 per month ($8,580 a year) — the median AssociationFee across 20 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.
Tools for a Horizon South Xix 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 Xix 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 Xix, 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 Xix home worth?
Get a no-obligation home value based on real comparable sales in Horizon South Xix, 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 Xix?
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: September 30, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (23 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 Xix fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Horizon South Xix with Momentum Realty’s local guides.
Common questions about Horizon South Xix
Where is Horizon South Xix?
Horizon South Xix is a community in Panama City Beach, Bay County, Florida, ZIP 32013 / 32413.
Are there homes for sale in Horizon South Xix right now?
Yes — 0 active and 1 pending listings as of the last feed refresh (twice daily). They are listed on this page.
Does Horizon South Xix have an HOA or CDD?
No HOA is on record for Horizon South Xix 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.
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.