Sugar Beach
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 · 348 homes for sale in 32408 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via CPAR MLS
As of October 2026, Sugar Beach Condo in Panama City Beach, FL has 5 homes for sale. Over the 12 months ending 2026-09-20, 12 recorded sales closed at a median of $360,000, a median 75 days on market, sellers accepting 91% of original asking (+14% versus the prior year). Homes listed or recently sold were built 1974–1974; 4 of 4 report an HOA (median $842/mo); 4 of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 9 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $4,420 ($3,930 with the full homestead exemption).
Last 30 days in Sugar Beach: 1 new listing (median asking $357,900), 1 under contract right now. 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 Sugar Beach Condo
Live MLS inventory for Sugar Beach 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 Sugar Beach Condo listings as of 2026-10-20, 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.
At Sugar Beach Condo, the median price of $340,000 is the only reliable anchor point, and with a median 87 days on market, pricing discipline matters more than urgency. This is not a market where sellers can list high and wait it out comfortably — the days-on-market figure says buyers are taking their time comparing units before committing.
Year over year, prices are up 13.3%, which signals genuine upward movement rather than a stall. But a market heat score of 41 tells a more tempered story: this is a balanced-to-cool market, not a bidding-war environment. For sellers, that combination argues for pricing at or near recent comparable closings rather than testing the ceiling. For buyers, it means there is room to negotiate on timeline and terms, even in a market with positive price momentum.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Sugar Beach Condo right now
🟢 Still climbing. The trailing-12-month median ($360K) is up 14.0% from the prior 12 months ($316K). With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level CPAR MLS closed sales, 12-month windows ending September 20. Confidence: Medium (12 and 8 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 20, 2026 · Live data: CPAR MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Sugar Beach Condo market snapshot (as of September 20, 2026): the median sale price is about $360K, and a median 76 days on market for closed sales. The trailing-12-month median is up 14% from the prior 12 months, computed from record-level CPAR MLS closed sales (12 closings in the current window).
In ZIP 32408 (Panama City Beach), 1,792 homes closed in the last 12 months at a median of $400K, down 0.6% year over year, with a median 75 days on market. Right now 1,195 active and 202 pending listings — a buyer's market. See the live ZIP 32408 housing market and the Bay County market.
CPAR sales records identify 7 homes in Sugar Beach Condo that have changed hands since 2021, built between 1974 and 1974 (median 1974), with a median living area of about 1,086 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.
Sugar Beach Condo sits within Panama City Beach in Bay County, part of a Gulf-front condo market where individual unit condition and view typically explain more of the price variance than the building itself. With only 13 closings in the most recent window, the data reflects a smaller, more concentrated resale pool rather than high-volume turnover.
The setting & the homes.
Aerial and on-site photos of Sugar Beach Condo. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Sugar Beach Condo
Sugar Beach Condo
Sugar Beach Condo
Sugar Beach CondoPhotos from CPAR MLS listings in Sugar Beach Condo; content deemed reliable but not guaranteed.
Who Sugar Beach Condo is best for.
Best for
- A buyer focused on a Gulf Coast condo purchase who has flexibility on closing timeline given the longer median days-on-market.
- A buyer comfortable evaluating unit-specific condition and view rather than relying on building-wide amenities.
- An investor or second-home buyer tracking a market with positive year-over-year price movement but wanting to avoid a bidding-war pace.
Probably not for
- A buyer who needs verified on-site community amenities locked in before making an offer.
- A buyer expecting a fast, high-competition transaction — the 87-day median days-on-market argues against that expectation.
- A buyer who wants a large, deep comparable pool — the 13-closing window is thin for that kind of confidence.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level CPAR MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($360K) IS the median in the snapshot above, and the move from 2025 ($316K) IS the +14.0% one-year change.
Windows contain 1 to 18 sales each (12 in the current window); every figure carries its sample size, and thin markets swing on single closings. 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.
12% of homes for sale in ZIP 32408 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 (2026-10-20).
Sugar Beach Condo Market Scorecard
Sugar Beach Condo is currently a balanced market., a median asking price of $357,900, and homes go under contract in about 50 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: CPAR MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Sugar Beach 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 Sugar Beach Condo buying strategy.
If we were buying in Sugar Beach 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 Sugar Beach Condo.
What's Actually Driving the Number
The 87-day median days-on-market is the most telling figure here. It suggests this is a market where units sit and get compared, not one where the first offer wins. Combined with a market heat score of 41, the read is a slower-churn condo market: still moving, but buyers have time to shop rather than react.
The 13.3% year-over-year gain in median price is real, but it should be read against a small closings window of 13 transactions. A limited sample size means each closing carries more weight in the median, so the trend is worth watching over additional quarters rather than treated as a settled trajectory. No community amenities are currently identified from active MLS listings, so building-level features should be verified unit by unit rather than assumed from the community name alone.
The location and the amenities are priced into every listing in Sugar Beach Condo. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a smaller-volume condo market like this one, the median and the headline days-on-market can mask a lot of unit-to-unit variation. Momentum pulls the current MLS listings and recent closings for Sugar Beach Condo specifically, so pricing conversations are grounded in what is actually active and pending right now, not a citywide average that does not reflect this building.
Sugar Beach Condo in 15 seconds.
Tools for a Sugar Beach 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 Sugar Beach Condo sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Sugar Beach 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 Sugar Beach Condo home worth?
Get a no-obligation home value based on real comparable sales in Sugar Beach 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.
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Recently off market in Sugar Beach Condo
Homes in Sugar Beach Condo that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 2 on record.
- 8727 Thomas Drive D9 · off market
- 8727 Thomas Drive E8 · off market
| Location | Panama City Beach, Bay County, FL · ZIP 32408 |
|---|---|
| Sale prices, last 12 months | $360,000 median across 12 closed sales · +14.0% vs the prior 12 months |
| Days on market (closed sales) | 75 median |
| For sale right now | 5 active, 1 pending · median asking $357,900 |
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. Market figures describe homes, not residents. Cite as: Momentum Realty, “Sugar Beach key facts,” movewithmomentum.com/neighborhoods/sugar-beach-condo, data as of September 20, 2026.
Housing distress & ownership in Sugar Beach 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.
Just listed in Sugar Beach
The newest homes for sale in Sugar Beach right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 8727 Thomas Drive C43, Panama City Beach, FL 32408 $357,900 · 2 bd · 2 ba · 29 days on market Courtesy of Dalton Wade Inc
- 8727 Thomas Drive B6, Panama City, FL 32408 $460,000 · 3 bd · 3 ba · 50 days on market Courtesy of Beachy Beach Real Estate
- 8727 Thomas Drive C17, Panama City Beach, FL 32408 $495,000 · 2 bd · 2 ba · 269 days on market Courtesy of eXp Realty, LLC
Checked against the MLS Oct 20, 2026. All new listings in this market.
Every Home for Sale in Sugar Beach Condo Right Now (4)
All 4 active and pending Sugar Beach Condo listings with a detail page, newest first, refreshed twice a day from the MLS.
- 8727 Thomas Drive B6, Panama City, Fl 32408 · $460,000 · 3 bd / 3 ba · listed Sep 1, 2026 · listed by Beachy Beach Real Estate
- 8727 Thomas Drive C43, Panama City Beach, Fl 32408 · $357,900 · 2 bd / 2 ba · listed Aug 20, 2026 · listed by Dalton Wade Inc
- 8727 Thomas Drive C17, Panama City Beach, Fl 32408 · $495,000 · 2 bd / 2 ba · listed Jul 22, 2026 · listed by eXp Realty, LLC
- 8727 Thomas Drive A6, Panama City Beach, Fl 32408 · $620,000 · 4 bd / 3 ba · pending · listed Jul 22, 2026 · listed by Beachy Beach Real Estate
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Panama City Beach guides & data
- Market data
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- Flood zones
- Home insurance cost
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- ZIP codes
Florida buyer guides
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- Florida property tax calculator
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- The 4-point inspection, explained
- Florida flood insurance calculator
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What it really costs to own in Sugar Beach Condos 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 $5,057/yr across 6 listings here (MLS tax records, 2026-10-20). |
|---|---|
| HOA dues | Median $750/month across 5 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 1974 across 8 listings. An original roof here would be about 52 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 $1,332/month (tax $421, HOA $750, insurance $161). An estimate from the sources above, not a quote.
Email me new listings in Sugar Beach Condos 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 Sugar Beach Condos for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Sugar Beach Condos for Sale will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Sugar Beach Condo?
How long do homes in Sugar Beach Condo take to sell?
Who is the best real estate agent for Sugar Beach Condo?
How do I find a top Panama City Beach real estate agent who knows Sugar Beach Condo?
Can Momentum Realty connect me with an agent for Sugar Beach Condo?
Where is Sugar Beach, and what county is it in?
Should you buy in Sugar Beach 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 20, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (114 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?
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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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See how Sugar Beach Condo fits the bigger picture — live prices, inventory, and Momentum Scores:
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More on Sugar Beach Condos for Sale in Panama City Beach
- Home values · What homes in Sugar Beach Condos for Sale in Panama City Beach actually sell for