Summer Breeze
Homes for Sale in Panama City Beach, FL
All 726 homes for sale in Panama City Beach, FL · median $369,000 · 667 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 November 2026, Summer Breeze in Panama City Beach, FL has 3 homes for sale. Homes listed or recently sold were built 1996–1999; 4 of 4 report an HOA (median $25/mo); none of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 30 ft).
Last 30 days in Summer Breeze: 1 new listing (median asking $425,000), 1 under contract right now. As of November 11, 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 · 162 daysTop listing
Active · 197 days
Active · 11 daysActive and pending Summer Breeze listings as of 2026-11-12, 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.
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.
The market around Summer Breeze
Summer Breeze is too small for its own price trend, so here is the market around it.
In ZIP 32413, 735 homes are on the market and 13% are under contract — a slower corner of Panama City Beach.
Across Bay County, 2,406 homes are active and 434 pending (15% under contract).
ZIP and county figures describe the wider market, not Summer Breeze specifically. Momentum Research analysis of MLS records.
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
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.
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. 3 on record.
- 100 Bonaire Drive · off market
- 104 Bimini Court · off market
- 130 Summer Breeze Road · 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) |
| For sale right now | 3 active, 1 pending · median asking $475,000 |
| Owner-occupied (homestead) share | 60% |
Data as of November 11, 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 November 11, 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.
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 · $478,000 · 3 bd / 2 ba · pending · listed Oct 8, 2026 · listed by Keller Williams Realty Emerald
- 109 Summer Breeze Road, Panama City Beach, Fl 32413 · $575,000 · 3 bd / 2 ba · listed Sep 4, 2026 · listed by Counts Real Estate Group Inc
- 128 Bonaire Drive, Panama City Beach, Fl 32413 · $475,000 · 3 bd / 2 ba · listed Aug 13, 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
- Panama City Beach home values: what is my house worth?
- ZIP 32413 housing scorecard
- 5 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
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
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13% 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 (2026-11-12).
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 $3,737/yr across 8 listings here (MLS tax records, 2026-11-12). |
|---|---|
| HOA dues | Median $300/year (about $25/month) across 5 MLS listings (most billed annually; 2026-11-12). 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 8 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 $497/month (tax $311, 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
How many homes are in Summer Breeze?
What share of Summer Breeze is owner-occupied?
When were the homes in Summer Breeze built?
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?
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: November 12, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (6 streets, ZIP 32413)) |
| Under-contract shares | CPAR MLS records, as of 2026-11-11 |
| Historical depth | Closed-sale records back to 2026 (2 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.
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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. A Momentum agent can price yours against live local comps.
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See how Summer Breeze fits the bigger picture — live prices, inventory, and Momentum Scores: