Horizon South Xxi
Homes for Sale in Panama City Beach, FL
All 726 homes for sale in Panama City Beach, FL · median $369,000 · 667 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 Xxi in Panama City Beach, FL since 2026, the most recent in August 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, with 898 homes for sale today. 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 (19 listings across 5 sections in the MLS).
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.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside Horizon South Xxi 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 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.
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.
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 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.
The market around Horizon South Xxi
Horizon South Xxi 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 Xxi specifically. Momentum Research analysis of MLS records.
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.
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?
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Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: September 17, 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.
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