Sugar Beach
Condos for Sale in Panama City Beach, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via CPAR MLS
As of September 2026, Sugar Beach Condo in Panama City Beach, FL has 5 homes for sale and 1 pending, asking from $268,000 to $495,000 (median $357,900). Over the 12 months ending 2026-07-28, 13 recorded sales closed at a median of $340,000, a median 87 days on market, sellers accepting 91% of original asking (+13% versus the prior year). Homes listed or recently sold were built 1974–1974; 6 of 6 report an HOA (median $750/mo); 6 of the 6 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 $4,170 ($3,690 with the full homestead exemption).
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 2026-09-11, 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.
Sugar Beach Condo right now
🟢 Still climbing. The trailing-12-month median ($340K) is up 13.3% from the prior 12 months ($300K). 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 July 28. Confidence: Medium (13 and 7 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 28, 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 July 28, 2026): the median sale price is about $340K, and a median 87 days on market for closed sales. The trailing-12-month median is up 13% from the prior 12 months, computed from record-level CPAR MLS closed sales (13 closings in the current window).
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
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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 July 28 of each year, from record-level CPAR MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($340K) IS the median in the snapshot above, and the move from 2025 ($300K) IS the +13.3% one-year change.
Windows contain 1 to 16 sales each (13 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.
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.
Sugar Beach Condo Market Scorecard
Sugar Beach Condo is currently a thin data market. Limited supply, a median asking price of $357,900, and homes go under contract in about 16 days.
Typical home value in the 32408 ZIP is $370,292, about 2.6% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
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.
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.
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 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.
See homes for sale in Sugar Beach Condo on the map →
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?
Should you buy in Sugar Beach Condo?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Sugar Beach Condo with Momentum Realty’s local guides.
Data sources & freshness
| Community market stats | CPAR MLS closed sales, 12-month windows ending July 28, 2026 |
| 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?
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 your area comps.
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More Panama City Beach & Panama City & Bay County guides
Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of Panama City & Bay County or the full Neighborhood Finder.
See how Sugar Beach Condo fits the bigger picture — live prices, inventory, and Momentum Scores: