Horizon South Xxi
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
True comps, carrying-cost math, and listings before the portals.
Over the 12 months ending 2026-09-20, 5 recorded sales closed at a median of $231,000, a median 109 days on market, sellers accepting 94% of original asking. At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $2,840 ($2,350 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).
| Location | Panama City Beach, Bay County, FL · ZIP 32413 |
|---|---|
| Sale prices, last 12 months | $231,000 median across 5 closed sales |
| Days on market (closed sales) | 109 median |
| For sale right now | 0 active, 0 pending |
Data as of September 20, 2026. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Market figures describe homes, not residents. Cite as: Momentum Realty, “Horizon South Xxi key facts,” movewithmomentum.com/neighborhoods/horizon-south-xxi, data as of September 20, 2026.
Horizon South Xxi is a thin-data market right now — only three closings inform this snapshot, so treat the median price as a directional signal, not a precise benchmark. At $238,000, pricing here sits well below much of the broader Panama City Beach market, which tells you more about unit size, age, or condition than about location desirability.
The median days-on-market figure of 113 is the number that matters most for strategy. That is a slow clear, meaning sellers should price to the condition of the unit from day one rather than testing the market, and buyers have real room to negotiate on terms, timeline, or repair credits before committing.
Nearby homes for sale
No active listings inside Horizon South XxiHomes for Sale in Panama City Beach, FL right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Horizon South Xxi market snapshot (as of September 20, 2026): the median sale price is about $231K, and a median 109 days on market for closed sales.
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.
CPAR sales records identify 5 homes in Horizon South Xxi that have changed hands since 2020, built between 1999 and 1999 (median 1999), with a median living area of about 770 sq ft and a typical 1-bedroom, 1-bath layout; 100% 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.
Horizon South Xxi is a Panama City Beach condominium community in Bay County where recent activity has been limited, and no community amenities are confirmed in current MLS listings — buyers should verify any amenity claims directly with the association rather than assume standard resort features.
Who Horizon South Xxi is best for.
Best for
- Buyers targeting a lower entry price point in the Panama City Beach condo market and willing to verify condition and amenities directly.
- Buyers with flexible timelines who are not dependent on a quick close or resale.
- Investors or owners comfortable underwriting a unit on its own merits rather than relying on community-wide comparables.
Probably not for
- Buyers who need confirmed on-site amenities as a condition of purchase.
- Sellers expecting a fast sale based on typical resort-market velocity.
- Buyers relying heavily on median pricing data from a very small closing sample to set expectations.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level CPAR MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($231K) IS the median in the snapshot above.
Windows contain 1 to 9 sales each (5 in the current window); every figure carries its sample size, and thin markets swing on single closings. 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 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.
16% of homes for sale in ZIP 32413 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-20).
Horizon South Xxi Market Scorecard
Horizon South Xxi is currently a balanced market..
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: CPAR MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Horizon South Xxi, 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 Xxi buying strategy.
If we were buying in Horizon South Xxi 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 Xxi.
A Small Sample, Slow Clock Market
With just three closings in the window, Horizon South Xxi does not generate enough volume to establish a tight price band. The $238,000 median is real, but it reflects whatever mix of units happened to sell — floor level, view, renovation status, and unit size can all swing a single sale meaningfully in a building this size sample.
The 113-day median time on market is the more actionable data point. That is a slower clearing pace than an active, liquid condo market, which suggests either pricing resistance, a smaller buyer pool for this specific product, or both. Anyone buying or selling here should build in time — this is not a market where a well-priced unit is guaranteed to move quickly.
The location and the amenities are priced into every listing in Horizon South Xxi. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
A market with only three recent closings requires someone who will tell you plainly what the data can and cannot support. We will not oversell a thin sample as a trend, and we will help you verify amenities, association details, and true comparables directly rather than relying on assumptions.
Horizon South Xxi 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 Xxi 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 Xxi 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 Xxi, 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 Xxi home worth?
Get a no-obligation home value based on real comparable sales in Horizon South Xxi, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Recently off market in Horizon South Xxi
Homes in Horizon South Xxi that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 2 on record.
- 17462 Front Beach 57204 · off market
- 17462 Front Beach Road 57206 · off market
Frequently Asked Questions
What is the median home price in Horizon South Xxi?
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Where is Horizon South Xxi, and what county is it in?
Should you buy in Horizon South Xxi?
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 17, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2014 (44 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. 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 Xxi fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Horizon South Xxi
- Home values · What homes in Horizon South Xxi actually sell for
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