Summer Breeze
Homes for Sale in Panama City Beach, FL
All 731 homes for sale in Panama City Beach, FL · median $365,000 · 628 homes for sale in 32413 · 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, Summer Breeze in Panama City Beach, FL has 4 homes for sale, asking from $425,000 to $575,000 (median $477,000). Over the 12 months ending 2026-09-20, 6 recorded sales closed at a median of $500,000, a median 56 days on market, sellers accepting 92% of original asking (-9% versus the prior year). Homes listed or recently sold were built 1996–1999; 5 of 5 report an HOA (median $25/mo); none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 29 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $6,140 ($5,650 with the full homestead exemption).
Last 30 days in Summer Breeze: 2 new listings (median asking $452,000). 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 Summer Breeze
Live MLS inventory for 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 Summer Breeze 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.
Summer Breeze right now
🔴 Off the recent peak. The trailing-12-month median ($500K) is down 9.1% from the prior 12 months ($550K) and up 85% since 2012. 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 (6 and 10 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
Summer Breeze market snapshot (as of September 20, 2026): the median sale price is about $500K, and a median 57 days on market for closed sales. The trailing-12-month median is down 9% from the prior 12 months and up 85% since 2012, computed from record-level CPAR MLS closed sales (6 closings in the current window).
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.
County records show 15 qualified sales in Summer Breeze across 2024–2025 (8 in 2024, 7 in 2025), median $525,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Summer Breeze is a community of 154 homes in Panama City Beach, Bay County, built between 1994 and 2022 (median 1996), with a median living area of about 2,121 square feet. 60% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Summer Breeze. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Summer BreezePhotos from CPAR MLS listings in Summer Breeze; content deemed reliable but not guaranteed.
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 ($500K) IS the median in the snapshot above, and the move from 2025 ($550K) IS the -9.1% one-year change.
Windows contain 3 to 17 sales each (6 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.
15% 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 (2026-10-20).
Summer Breeze Market Scorecard
Summer Breeze is currently a balanced market., a median asking price of $475,000, and homes go under contract in about 49 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.
Summer Breeze 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 Summer Breeze buying strategy.
If we were buying in 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 Summer Breeze.
A closer look at the Summer Breeze market
Homes in Summer Breeze trade around a median of $500K, where condition and lot do more to set the final number than the asking price does.
The trailing-12-month median down 9% year over year. Homes that do trade take a median 57 days on market, useful leverage on any listing that has lingered.
The housing stock is 154 homes built between 1994 and 2022, and 60% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Summer Breeze. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Summer Breeze buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (5.2). Basis: Long-Term Appreciation +85% since 2012; Recent Direction -9.1% year-over-year; Owner Commitment 60% owner-occupied; Pricing Power 92.0% sale-to-list. Refreshed with each data update.
Tools for a 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 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 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 Summer Breeze home worth?
Get a no-obligation home value based on real comparable sales in 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 →
Recently off market in Summer Breeze
Homes in Summer Breeze 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.
- 100 Bonaire Drive · off market
- 104 Bimini Court · off market
| Location | Panama City Beach, Bay County, FL · ZIP 32413 |
|---|---|
| Homes in the community | 154 (FL DOR 2025 assessment roll) |
| Years built | 1994–2022 (median 1996) |
| Typical living area | 2,121 sq ft (median) |
| Home types (current listings and sales) | singlefamilyresidence 100% |
| Sale prices, last 12 months | $500,000 median across 6 closed sales · -9.1% vs the prior 12 months |
| Days on market (closed sales) | 56 median |
| For sale right now | 3 active, 1 pending · median asking $475,000 |
| Owner-occupied (homestead) share | 60% |
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, “Summer Breeze key facts,” movewithmomentum.com/neighborhoods/summer-breeze, data as of September 20, 2026.
Housing distress & ownership in 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.
Just listed in Summer Breeze
The newest homes for sale in Summer Breeze right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 142 Bonaire Drive, Panama City Beach, FL 32413 $425,000 · 3 bd · 2 ba · 4 days on market Courtesy of Keller Williams Success Realty
- 117 Summer Breeze Road, Panama City Beach, FL 32413 $479,000 · 3 bd · 2 ba · 18 days on market Courtesy of Keller Williams Realty Emerald
- 109 Summer Breeze Road, Panama City Beach, FL 32413 $575,000 · 3 bd · 2 ba · 49 days on market Courtesy of Counts Real Estate Group Inc
- 128 Bonaire Drive, Panama City Beach, FL 32413 $475,000 · 3 bd · 2 ba · 197 days on market Courtesy of Keller Williams Success Realty
Checked against the MLS Oct 20, 2026. All new listings in this market.
Every Home for Sale in Summer Breeze Right Now (4)
All 4 active and pending Summer Breeze listings with a detail page, newest first, refreshed twice a day from the MLS.
- 142 Bonaire Drive, Panama City Beach, Fl 32413 · $425,000 · 3 bd / 2 ba · listed Oct 16, 2026 · listed by Keller Williams Success Realty
- 117 Summer Breeze Road, Panama City Beach, Fl 32413 · $479,000 · 3 bd / 2 ba · listed Jul 26, 2026 · listed by Keller Williams Realty Emerald
- 109 Summer Breeze Road, Panama City Beach, Fl 32413 · $575,000 · 3 bd / 2 ba · listed Jul 23, 2026 · listed by Counts Real Estate Group Inc
- 128 Bonaire Drive, Panama City Beach, Fl 32413 · $475,000 · 3 bd / 2 ba · listed Jul 22, 2026 · listed by Keller Williams Success Realty
More Panama City Beach home searches
- All homes for sale in Panama City Beach, FL
- Homes for sale in Bay County, FL
- Homes under $300K in Panama City Beach
- Homes from $300K to $500K in Panama City Beach
- 4-bedroom homes for sale in Panama City Beach
- Panama City Beach home values: what is my house worth?
- ZIP 32413 housing scorecard
- 3 coming-soon communities in Bay County
Panama City Beach guides & data
- Market data
- Best neighborhoods (ranked by data)
- Flood zones
- Home insurance cost
- New construction
- ZIP codes
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
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What it really costs to own in Summer Breeze
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 $2,716/yr across 10 listings here (MLS tax records, 2026-10-20). |
|---|---|
| HOA dues | Median $300/year (about $25/month) across 5 MLS listings (most billed annually; 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 1997 across 10 listings. An original roof here would be about 29 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 $412/month (tax $226, HOA $25, insurance $161). An estimate from the sources above, not a quote.
Email me new listings in Summer Breeze
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 Summer Breeze
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Summer Breeze will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Summer Breeze?
How long do homes in Summer Breeze take to sell?
How many homes are in Summer Breeze?
What share of Summer Breeze is owner-occupied?
When were the homes in Summer Breeze built?
Have Summer Breeze home prices gone up?
Who is the best real estate agent for Summer Breeze?
How do I find a top Panama City Beach real estate agent who knows Summer Breeze?
Can Momentum Realty connect me with an agent for Summer Breeze?
Where is Summer Breeze, and what county is it in?
Is Summer Breeze a good place to live?
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 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (6 streets, ZIP 32413)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (130 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 Summer Breeze fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Summer Breeze with Momentum Realty’s local guides.
More on Summer Breeze
- Home values · What homes in Summer Breeze actually sell for