Laguna Beach Ammended
Homes for Sale in Panama City Beach, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 25 closed sales in Laguna Beach Ammended in Panama City Beach, FL since 2012, the most recent in June 2026. Across Panama City Beach as a whole, 18 homes closed in the last 12 months at a median of $430,000, 76 median days on market, with 1,412 homes for sale today. At that median and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $5,280 ($4,790 with the full homestead exemption).
Part of the Laguna Beach master-planned community in Panama City Beach, FL — see all Laguna Beach homes for sale (45 listings across 11 villages and sections in the MLS).
Laguna Beach Ammended is a large, established footprint of 756 homes with a median year built of 1993, but the range runs all the way back to 1930 and up to 2024, so age of construction varies block to block. That spread means condition and renovation status, not just square footage, is doing most of the pricing work here — two homes with similar layouts can present very differently depending on when they were last updated.
The homestead share sits at just 12 percent, which tells us most of this inventory is not owner-occupied as a primary residence. That points to a market shaped heavily by second-home and investment buyers, which affects how quickly homes turn over and how sellers should think about staging and pricing for a buyer pool that is often not local.
The 60-Second Overview
With 756 homes and a median living area of just over 2,000 square feet, this is a sizable, established section of Panama City Beach where construction spans nearly a century — buyers should expect real variation in age and updates from one listing to the next.
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 Laguna Beach Ammended is best for.
Best for
- Buyers seeking a second home or investment property in a large, established inventory base rather than a brand-new build
- Buyers who are comfortable evaluating each listing's renovation and system history individually given the wide construction-era range
- Buyers targeting a mid-size home near the 2,000-square-foot median who are not dependent on advertised community amenities
Probably not for
- Buyers who want a single consistent build era across the community rather than homes spanning nearly a century of construction
- Buyers relying on shared amenities like a pool or clubhouse as a deciding factor, since none are currently identified from MLS listings
- Buyers who want strong certainty around long-term owner-occupancy patterns, given the low homestead share here
The market around Laguna Beach Ammended
Laguna Beach Ammended 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 Laguna Beach Ammended specifically. Momentum Research analysis of MLS records.
The Laguna Beach Ammended buying strategy.
If we were buying in Laguna Beach Ammended 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 Laguna Beach Ammended.
A wide build era, a thin homestead footprint
The 1930–2024 build range is the first thing to understand about this community. A median year built of 1993 puts the typical home into its early-1990s construction era, but that median masks real diversity — pre-1960s builds sit alongside recent construction, which means inspection findings, system age, and renovation history will vary far more than in a community built out in a single decade.
The 12 percent homestead share is the other defining fact. In a community where the large majority of owners have not filed for a primary-residence exemption, expect the buyer pool and the seller motivations to lean toward second-home use, rental positioning, or investment turnover rather than long-term primary occupancy. No community amenities are currently identified from MLS listings for this section, so any pool, dock, or clubhouse access a specific home advertises should be verified directly rather than assumed as a neighborhood-wide feature.
The location and the amenities are priced into every listing in Laguna Beach Ammended. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with this much variation in build year and a low share of owner-occupants, pricing a home well means reading condition and renovation history correctly, not just running comps on square footage. We pull the actual closed and active listings in Laguna Beach Ammended, sort by build era and update history, and give you a grounded read on where a specific property lands before you commit to a number.
Laguna Beach Ammended 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 Laguna Beach Ammended 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 Laguna Beach Ammended sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Laguna Beach Ammended, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Laguna Beach Ammended home worth?
Get a no-obligation home value based on real comparable sales in Laguna Beach Ammended, 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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Should you buy in Laguna Beach Ammended?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | CPAR MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2012 (25 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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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.