Southwind 3
Condos 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 · 653 homes for sale in 32413 · Bay County homes for sale

Community in Panama City Beach · Bay County · ZIP 32413
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Talk to a Southwind 3 Condo Expert

True comps, carrying-cost math, and listings before the portals.

Photo via CPAR MLS

Built fromLive CPAR MLS data14 years of closingsUpdated twice daily

As of October 2026, Southwind 3 Condo in Panama City Beach, FL has 1 home for sale. Homes listed or recently sold were built 1988–1988; 3 of 3 report an HOA (median $584/mo); none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 19 ft).

Part of Southwind, Panama City Beach, FL — see all Southwind homes for sale (6 listings across 3 sections in the MLS).

Last 30 days in Southwind 3: 2 new listings (median asking $317,000). As of October 2, 2026, Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate.

Live · Southwind 3 Condo Housing Pulse CPAR MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
0%
Under contract
Bay: 17% (528 of 3,043)
1 · 0
For sale · pending
live counts, refreshed twice daily
1
Sold · last 12 mo
10-yr average: about 3 a year

Homes For Sale Right Now in Southwind 3 Condo

Live MLS inventory for Southwind 3 Condo. 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 Southwind 3 Condo 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 Southwind 3 Condo Right Now (3)

All 3 active and pending Southwind 3 Condo listings with a detail page, newest first, refreshed twice a day from the MLS.

Jon Brooks, founder of Momentum Realty
Jon's Current Read

Southwind 3 Condo is a thin data set right now. Our snapshot shows only a single closing in the most recent window, which is too small a sample to draw a pricing trend from. Anyone telling you a firm number for this building today is guessing beyond what the record supports.

That doesn't mean the building is inactive, it means the market here moves in occasional transactions rather than a steady drumbeat. If you're buying or selling in Southwind 3, plan on pricing by direct comparison to whatever has recently closed or is actively listed inside the building, not by a community-wide average.

The 60-Second Overview

Southwind 3 Condo sits in Panama City Beach, Bay County, and current MLS activity is limited enough that we're not able to identify amenities or establish a reliable pricing pattern from the feed alone.

CPAR sales records identify 6 homes in Southwind 3 Condo that have changed hands since 2011, built between 1988 and 1989 (median 1988), with a median living area of about 900 sq ft and a typical 2-bedroom, 2-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.

Best for

  • A buyer targeting a specific unit in Southwind 3 who wants a real, unit-level comp analysis rather than a market average
  • A seller who understands their pricing will be set by careful comparison to nearby closings, not a building-wide statistic
  • An investor comfortable evaluating a low-transaction-volume condo building on a deal-by-deal basis

Probably not for

  • A buyer who wants a clear published price range or amenity list before narrowing a search
  • Someone who needs recent, high-volume sales data to feel confident about value
  • A buyer relying on community amenities as a deciding factor, since none are currently identified from MLS listings

The market around Southwind 3 Condo

Southwind 3 Condo 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 Southwind 3 Condo specifically. Momentum Research analysis of MLS records.

Housing distress & ownership in Southwind 3 Condo, Panama City Beach

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 35 listings
Distress share trend — 0.0% now (2026-09-14 → 2026-09-24)

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.

Listing locations from CPAR MLS. Map data © OpenStreetMap, tiles © CARTO.

If we were buying in Southwind 3 Condo today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Southwind 3 Condo.

Best Buy
A buyer or seller comfortable pricing off direct unit comparison rather than a community-wide trend line.
Biggest Risk
Thin data means pricing mistakes are easy to make without a careful, unit-specific comp pull.
Sweet Spot
Buyers or sellers who already have a specific unit in mind and want it priced on its own merits.
Avoid If
You're expecting a clear, published price trend or amenity list before you commit to looking closer.

A building you evaluate unit by unit

With only one closing showing in the recent window, Southwind 3 doesn't yet give us the volume needed to talk about typical price per square foot, days on market, or a going rate with any confidence. That's a data limitation, not necessarily a market judgment on the building itself.

The practical move here is to treat every listing on its own terms: pull the specific unit's condition, floor, view, and any HOA or association detail directly, and compare it against whatever comparable sales exist in the immediate area rather than relying on a community-level statistic that doesn't yet exist.

“

The location and the amenities are priced into every listing in Southwind 3 Condo. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

In a building with this little recorded transaction history, the value of an agent isn't reciting a market stat, it's knowing how to price and negotiate when the comps are scarce. We pull actual listing and closing detail for the specific unit, cross-check it against nearby Panama City Beach condo activity, and tell you plainly where the number should land instead of leaning on a community average that isn't statistically meaningful yet.

Southwind 3 Condo in 15 seconds.

Best forA buyer or seller comfortable pricing off direct unit comparison rather than a community-wide trend line.
Biggest advantageA low-volume market can mean less competition for the right buyer willing to do the legwork.
Biggest riskThin data means pricing mistakes are easy to make without a careful, unit-specific comp pull.
Sweet spotBuyers or sellers who already have a specific unit in mind and want it priced on its own merits.
Avoid ifYou're expecting a clear, published price trend or amenity list before you commit to looking closer.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Southwind 3 Condos for Sale in Panama City Beach, FL homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Southwind 3 Condos for Sale in Panama City Beach, FL.
In short
  • HOA dues reported around $584/month (about $7,008/yr) · median of 34 MLS listings, most billed monthly
  • Any club/amenity membership is billed separately

Listings in this community report association dues of about $584 per month ($7,008 a year) — the median AssociationFee across 34 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.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Southwind 3 Condo sales matched to your home.

What is your Southwind 3 Condo home worth?

Get a no-obligation home value based on real comparable sales in Southwind 3 Condo, 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 →

Real comps, not an automated estimate.
A buyer targeting a specific unit in Southwind 3 who wants a real, unit-level comp analysis rather than a market averageExcellent fit
A seller who understands their pricing will be set by careful comparison to nearby closings, not a building-wide statisticExcellent fit
An investor comfortable evaluating a low-transaction-volume condo building on a deal-by-deal basisExcellent fit
A buyer who wants a clear published price range or amenity list before narrowing a searchProbably not
Someone who needs recent, high-volume sales data to feel confident about valueProbably not
A buyer relying on community amenities as a deciding factor, since none are currently identified from MLS listingsProbably not

Data sources & freshness

Live listingsCPAR MLS, refreshed twice daily (last: October 1, 2026)
Under-contract sharesCPAR MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2012 (37 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.

Looking to buy here? Search homes for sale →

What’s your home worth in your area?

A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.

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Common questions about Southwind 3

Where is Southwind 3?

Southwind 3 is a community in Panama City Beach, Bay County, Florida, ZIP 32413.

Are there homes for sale in Southwind 3 right now?

Yes — 1 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.

Does Southwind 3 have an HOA or CDD?

No HOA is on record for Southwind 3 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.

Thinking of selling in Southwind 3 Condo? 1 recorded closings (window ending 2026-09-20). See the Bay County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.

Nearby Communities

Explore more neighborhoods near Southwind 3 with Momentum Realty’s local guides.

Southwind Condo0.0 mi away · 1 for saleSouthwind (Bay)0.0 mi away · 3 for salePeachtree Place0.0 mi away · median $285K, 7 sales/12 moWendwood Condo0.0 mi away · 4 for saleWells Gulf Beach Estates0.1 mi away · median $825K, 4 sales/12 moSeagull Beach0.1 mi away · median $761K, 3 sales/12 moSouthern Exposures0.1 mi away · 1 for salePortside Condo (Bay)0.1 mi away · median $260K, 13 sales/12 mo

Browse all neighborhood guides →

Talk to a Local Southwind 3 Condo Expert
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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.

$2,121/mo
Bay County typical true cost to own
$161/mo
Bay County typical home insurance
Check CDD
Confirm before you offer

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.