Summer Towne Cottage
Condos for Sale in Panama City Beach, FL
All 785 homes for sale in Panama City Beach, FL · median $369,000 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of September 2026, Summer Towne Cottage Condo in Panama City Beach, FL has 1 home for sale. As of September 2026, the MLS records 25 closed sales in Summer Towne Cottage Condo in Panama City Beach, FL since 2013, the most recent in September 2025. Across Panama City Beach as a whole, 18 homes closed in the last 12 months at a median of $425,000, 76 median days on market, with 1,400 homes for sale today. At that median and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $5,220 ($4,730 with the full homestead exemption).
Summer Towne Cottage Condo is not a community with an active, readable market right now. The current window shows a single closing, which is not enough activity to establish a reliable price trend or a typical days-on-market figure. Anyone quoting a confident number for this building right now is guessing.
For a buyer, that means pricing has to be built from a direct comparison of the unit in question against whatever recent comparable sales exist in the broader Panama City Beach condo market, not from an internal trend line that does not yet exist. For a seller, it means the listing itself will likely set the market's next data point, so presentation and pricing strategy carry more weight than they would in a building with steady turnover.
The 60-Second Overview
Summer Towne Cottage Condo sits in Panama City Beach, Bay County, and current MLS activity is limited enough that this snapshot reflects a single closing rather than an established trend.
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.
Who Summer Towne Cottage Condo is best for.
Best for
- A buyer focused on a specific unit in Panama City Beach who is willing to verify condition, condo documents, and pricing independently rather than relying on building-wide trend data
- A buyer who wants Panama City Beach location and is comfortable in a community with limited amenity documentation, pending direct verification
- A seller prepared to price a listing based on broader area comparables rather than an internal track record, given the current lack of building activity
Probably not for
- A buyer who wants to compare several recent closings within the same building before committing
- A buyer who needs a documented list of on-site amenities confirmed before making an offer
- A seller expecting the current MLS data to support a confident, trend-based asking price
The market around Summer Towne Cottage Condo
Summer Towne Cottage Condo is too small for its own price trend, so here is the market around it.
Across Bay County, 2,515 homes are active and 528 pending (17% under contract).
In ZIP 32013 (Panama City Beach), 244 homes closed in the last 12 months at a median of $425K, down 4.5% year over year, with a median 76 days on market. Right now 171 active and 19 pending listings — a soft market. See the live ZIP 32013 housing market and the Bay County market.
ZIP and county figures describe the wider market, not Summer Towne Cottage Condo specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Summer Towne Cottage 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.
Homes For Sale Right Now in Summer Towne Cottage Condo
Live MLS inventory for Summer Towne Cottage 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 Summer Towne Cottage Condo listings as of 2026-09-30, 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.
Every Home for Sale in Summer Towne Cottage Condo Right Now (1)
All 1 active and pending Summer Towne Cottage Condo listings with a detail page, newest first, refreshed twice a day from the MLS.
- 16328 Front Beach Road 9, Panama City Beach, Fl 32413 · $735,000 · 2 bd / 3 ba · listed Jul 1, 2026 · listed by Latitudes Realty
The Summer Towne Cottage Condo buying strategy.
If we were buying in Summer Towne Cottage 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 Summer Towne Cottage Condo.
A market with too little data to name
The most honest thing to say about Summer Towne Cottage Condo right now is that the MLS feed does not give us much to work with. One closing in the current window is a data point, not a pattern, and no community amenities are identified in current listings. That last part may reflect how listings are written up rather than what the property actually offers, so it is worth verifying directly rather than assuming either way.
In a building like this, due diligence has to lean more heavily on the individual unit and less on building-wide statistics. Condo docs, association financials, and the specific unit's condition will tell a buyer more than a market snapshot can. Treat this as a starting point for direct research, not a finished picture.
The location and the amenities are priced into every listing in Summer Towne Cottage Condo. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
When a community's MLS data is this thin, the value of a broker is in what happens off the spreadsheet: pulling comparable sales from the wider area, reading the condo association's financials and rules directly, and confirming what a listing actually includes rather than what a facts feed says is not there. That is the work we do before advising on price or terms.
Summer Towne Cottage Condo in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $308/month (about $3,696/yr) · median of 19 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $308 per month ($3,696 a year) — the median AssociationFee across 19 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, 2026-09.
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 Summer Towne Cottage 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 Summer Towne Cottage Condo sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Summer Towne Cottage 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 Summer Towne Cottage Condo home worth?
Get a no-obligation home value based on real comparable sales in Summer Towne Cottage 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 Summer Towne Cottage 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: September 30, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2013 (25 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 local comps.
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See how Summer Towne Cottage Condo fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Summer Towne Cottage
Where is Summer Towne Cottage?
Summer Towne Cottage is a community in Panama City Beach, Bay County, Florida, ZIP 32013 / 32413.
Are there homes for sale in Summer Towne Cottage right now?
Yes — 1 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.
Does Summer Towne Cottage have an HOA or CDD?
No HOA is on record for Summer Towne Cottage 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.
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