Lakes At Summer Breeze
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.
Photo via CPAR MLS
As of October 2026, Lakes At Summer Breeze in Panama City Beach, FL has 2 homes for sale. As of October 2026, the MLS records 17 closed sales in Lakes At Summer Breeze 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 $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).
| Location | Panama City Beach, Bay County, FL · ZIP 32413 |
|---|---|
| Homes in the community | 25 (FL DOR 2025 assessment roll) |
| Years built | 2000–2022 (median 2004.0) |
| Typical living area | 2,864 sq ft (median) |
| For sale right now | 2 active, 0 pending · median asking $919,500 |
| Owner-occupied (homestead) share | 56% |
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; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Lakes At Summer Breeze key facts,” movewithmomentum.com/neighborhoods/lakes-at-summer-breeze, data as of September 20, 2026.
Lakes At Summer Breeze in Panama City Beach is not a community where the numbers do the talking right now. With only a single closing in the current window, there isn't enough resale activity to draw a reliable line on pricing, pace, or trend. Anyone quoting a firm price range or a typical days-on-market figure for this neighborhood is guessing, not reporting.
That thin transaction count cuts both ways. For a seller, it means less direct comparable pressure but also less proof of what buyers will actually pay. For a buyer, it means real leverage to negotiate on terms, since there's no deep bidding history to lean on. Either way, this is a community where you price and negotiate off the specific home and its condition, not off a neighborhood average.
The 60-Second Overview
Lakes At Summer Breeze sits in Panama City Beach within Bay County, and current MLS data shows minimal recent closing activity, which makes broad statistical claims about this community unreliable at this time.
CPAR sales records identify 5 homes in Lakes At Summer Breeze that have changed hands since 2004, built between 2002 and 2005 (median 2003), with a median living area of about 2,246 sq ft and a typical 3-bedroom, 3-bath layout; 60% are single-family homes. 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 Lakes At Summer Breeze is best for.
Best for
- A buyer comfortable evaluating a home on its own merits without a deep set of neighborhood comparables to reference
- A seller willing to price based on condition and direct market feedback rather than a proven trend line
- A buyer who wants to verify amenities and HOA terms directly rather than rely on assumed community features
Probably not for
- A buyer who wants a clear, data-backed price range before making an offer
- A buyer relying on documented community amenities as a deciding factor
- A seller expecting strong comparable-sale leverage to support an asking price
The market around Lakes At Summer Breeze
Lakes At Summer Breeze is too small for its own price trend, so here is the market around it.
In ZIP 32413, 785 homes are on the market and 16% are under contract — a slower corner of Panama City Beach.
Across Bay County, 2,515 homes are active and 528 pending (17% under contract).
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.
ZIP and county figures describe the wider market, not Lakes At Summer Breeze specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Lakes At Summer Breeze, 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.
Homes For Sale Right Now in Lakes At Summer Breeze
Live MLS inventory for Lakes At Summer Breeze. 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 Lakes At Summer Breeze listings as of 2026-10-01, 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.
Every Home for Sale in Lakes At Summer Breeze Right Now (2)
All 2 active and pending Lakes At Summer Breeze listings with a detail page, newest first, refreshed twice a day from the MLS.
- 125 Smugglers Cove Court, Panama City Beach, Fl 32413 · $950,000 · 5 bd / 4 ba · listed Jul 2, 2026 · listed by Keller Williams Success Realty
- 116 Smugglers Cove Court, Panama City Beach, Fl 32413 · $889,000 · 5 bd / 4 ba · listed Jul 2, 2026 · listed by Better Homes and Gardens Coast Properties
The Lakes At Summer Breeze buying strategy.
If we were buying in Lakes At Summer Breeze 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 Lakes At Summer Breeze.
A Market With Too Little Data to Generalize
With just one closing recorded in the current window, Lakes At Summer Breeze does not yet have the volume needed to establish a dependable median price, absorption rate, or pricing trend. Treat any broad statistic on this community with caution until more transactions accumulate.
Current MLS listings also do not document specific community amenities for Lakes At Summer Breeze. That does not mean none exist, only that they are not confirmed in the active data set, so any amenity claims should be verified directly against the specific listing or HOA documentation before a buyer relies on them.
The location and the amenities are priced into every listing in Lakes At Summer Breeze. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with this little closed-sale history, the value of local representation shifts from reading a trend line to doing the legwork: pulling the actual listing history, checking HOA documents for amenities and fees, and pricing the specific home on its own condition rather than a neighborhood average. That is where we focus our work in Lakes At Summer Breeze.
Lakes At Summer Breeze in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $33/month (about $396/yr) · median of 40 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $33 per month ($396 a year) — the median AssociationFee across 40 MLS records, normalised to a monthly figure; most are billed annually. 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 Lakes At Summer Breeze 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 Lakes At Summer Breeze sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Lakes At Summer Breeze, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Lakes At Summer Breeze home worth?
Get a no-obligation home value based on real comparable sales in Lakes At Summer Breeze, 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 →
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.
14% 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 (2026-10-01).
Frequently Asked Questions
How many homes are in Lakes At Summer Breeze?
What share of Lakes At Summer Breeze is owner-occupied?
When were the homes in Lakes At Summer Breeze built?
Who is the best real estate agent for Lakes At Summer Breeze?
How do I find a top Panama City Beach real estate agent who knows Lakes At Summer Breeze?
Can Momentum Realty connect me with an agent for Lakes At Summer Breeze?
Where is Lakes At Summer Breeze, and what county is it in?
Should you buy in Lakes At Summer Breeze?
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: October 1, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32413)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (17 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 Lakes At Summer Breeze fits the bigger picture — live prices, inventory, and Momentum Scores:
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