Southwind 3
Condos for Sale in Panama City Beach, FL
All 731 homes for sale in Panama City Beach, FL · median $365,000 · 694 condos for sale in Panama City Beach · 628 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, 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 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.
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 2026-10-19, 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.
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.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
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.
The setting & the homes.
Aerial and on-site photos of Southwind 3 Condo. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Southwind 3 Condo
Southwind 3 Condo
Southwind 3 CondoPhotos from CPAR MLS listings in Southwind 3 Condo; content deemed reliable but not guaranteed.
Who Southwind 3 Condo is best for.
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.
Southwind 3 Condo on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from CPAR MLS. Map data © OpenStreetMap contributors.
The Southwind 3 Condo buying strategy.
If we were buying in Southwind 3 Condo 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 Southwind 3 Condo.
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.
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.
What it really costs to own in Southwind 3Condos for Sale
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $3,537/yr across 6 listings here (MLS tax records, 2026-10-20). |
|---|---|
| HOA dues | Median $584/month across 3 MLS listings (most billed quarterly; 2026-10-20). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The average Citizens Property Insurance premium in Bay County is $1,928/yr (1,264 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 1988 across 6 listings. An original roof here would be about 38 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Estimated carrying cost at the median asking price, before the mortgage: about $1,039/month (tax $295, HOA $584, insurance $161). An estimate from the sources above, not a quote.
Email me new listings in Southwind 3Condos for Sale
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Southwind 3Condos for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Southwind 3Condos for Sale will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $584/month (about $7,012/yr) · median of 3 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $584 per month ($7,012 a year) — the median AssociationFee across 3 MLS records, normalised to a monthly figure; most are billed quarterly. 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 Southwind 3 Condo 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 Southwind 3 Condo sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Southwind 3 Condo, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
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 →
Should you buy in Southwind 3 Condo?
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 19, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-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.
Recent Developments in Southwind 3 Condo
Development, infrastructure, retail, and school activity affecting Southwind 3 Condo, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- September 2026Retail & Dining
Panama City meets Houston developer interested in part of Panama City Mall site
Panama City officials met a Houston developer interested in buying a portion of the largely vacant Panama City Mall, owned by Hendon Properties, with a retail focus. Discussions covered rezoning, possible CRA participation and plan submittal. The mayor called the FDOT US 231 widening, planned to six lanes from US 98 to SR 20, the biggest holdup.
What it may mean for the marketPossible retail redevelopment of a large vacant site could add shopping options near the US 231 corridor, with timing tied to road widening and rezoning. The project is about 10 miles east of Southwind 3 Condo, elsewhere in Bay County.
Source: WJHG - September 2026Development
Panama City Beach council upholds approval of Palmhaven development on Front Beach Road
The Panama City Beach City Council voted to uphold the Planning Board approval of Palmhaven, about 160 homes by Fischer Homes at 12610 Front Beach Road, with added conditions. The developer must build a multi-use trail, public park area and 40 public golf cart parking spaces, and a final development order is required before construction.
What it may mean for the marketAdds roughly 160 homes of new housing supply on the west Front Beach Road corridor, along with a new public park, trail and parking amenities. The site is about 2 miles east of Southwind 3 Condo.
Source: WJHG - August 2026Infrastructure
HCA Florida Gulf Coast Hospital announces $125 million expansion
HCA Florida Gulf Coast Hospital announced a $125 million expansion on its 23rd Street campus, including a new patient tower with 34 additional beds, a 16-bed orthopedic and spine unit, a fourth cath lab, an expanded women's center and a 5,000-square-foot outpatient entrance expansion. The project is in design, with construction of 24 to 36 months and completion targeted for 2029.
What it may mean for the marketAdded hospital capacity and specialty services would improve local healthcare access and add medical-sector employment along the 23rd Street corridor. The site is about 9 miles east of Southwind 3 Condo.
Source: WJHG - July 2026Parks & Amenities
Panama City Beach approves $1.25 million to rehabilitate Conservation Park boardwalks
The Panama City Beach city council approved a budget of $1.25 million to rehabilitate more than one mile of boardwalks at Conservation Park. The funding covers rehabilitation of the park's boardwalk system.
What it may mean for the marketInvestment in Conservation Park boardwalks upgrades a recreational amenity in Panama City Beach. The project is about 9 miles northwest of Southwind 3 Condo, elsewhere in Bay County.
Source: WJHG News Channel 7 - July 2026Civic
Panama City approves 12-month moratorium on AI data centers
Panama City commissioners unanimously approved a 12-month pause on AI data centers in certain areas, following a six-month restriction adopted by Bay County the prior week. The city said it will use the period to study data center operations and revisit how they fit into local zoning and land-use rules.
What it may mean for the marketA temporary pause shapes where data centers can locate while the city reviews zoning and land-use standards. The project is about 11 miles east of Southwind 3 Condo, elsewhere in Bay County.
Source: WJHG News Channel 7 - June 2026Infrastructure
Panama City moves downtown marina slip construction to bid, ends City Marina Partners deal
Panama City put the first 50 boat slips at the Downtown Marina out for contractor bids, with construction expected to begin shortly after a contract is awarded and the bid window closing June 16. Commissioners also ended their working relationship with City Marina Partners and budgeted payment for work already completed.
What it may mean for the marketProgress on downtown marina slip construction advances waterfront infrastructure in the Panama City core. The project is about 10 miles east of Southwind 3 Condo, elsewhere in Bay County.
Source: WJHG News Channel 7
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
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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.
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.
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.
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.
- 17670 Front Beach Road I12, Panama City Beach, Fl 32413 · $299,000 · 2 bd / 2 ba · listed Sep 24, 2026 · listed by Berkshire Hathaway HomeServices Beach Properties of Florida
- 17670 Front Beach Road I15, Panama City Beach, Fl 32413 · $335,000 · 2 bd / 2 ba · listed Sep 21, 2026 · listed by Southern Way Realty, Inc.
- 17670 Front Beach Road I4, Panama City Beach, Fl 32413 · $349,900 · 2 bd / 2 ba · listed Jul 22, 2026 · listed by Keller Williams Success Realty
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Nearby Communities
Explore more neighborhoods near Southwind 3 with Momentum Realty’s local guides.
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.