Sunswept
Condos for Sale in Panama City, FL
All 236 homes for sale in Panama City, FL · median $357,650 · 215 condos for sale in Panama City · 275 homes for sale in 32408 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of November 2026, Sunswept in Panama City, FL has 4 homes for sale, asking from $259,000 to $290,000 (median $272,500). Homes listed or recently sold were built 1983–1983; 4 of 4 report an HOA (median $479/mo); 3 of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 11 ft).
Homes For Sale Right Now in Sunswept
Live MLS inventory for Sunswept. 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 · 148 daysTop listing
Active · 148 days
Active · 364 days
Active · 94 daysActive and pending Sunswept listings as of 2026-11-10, 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.
Sunswept shows only two homes tracked in the current MLS snapshot for this Panama City community, with a single closing in the most recent window. That is not enough transaction volume to establish a reliable price trend, a typical days-on-market figure, or a pattern for how homes here are valued relative to condition or lot.
For a buyer or seller, the practical takeaway is that this is a thin-data market right now. Pricing decisions should lean on a direct comparison of the specific homes available or under contract rather than on any community-wide average, and negotiating posture should be set deal by deal.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
The 60-Second Overview
Sunswept is a small Bay County community within Panama City where current MLS activity is limited to a handful of listings, and no community amenities are identified in the available data.
CPAR sales records identify 6 homes in Sunswept that have changed hands since 2025, built between 1983 and 1983 (median 1983), with a median living area of about 565 sq ft and a typical 1-bedroom, 1-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.
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.
The setting & the homes.
Aerial and on-site photos of Sunswept. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
SunsweptSunsweptSunsweptSunsweptPhotos from CPAR MLS listings in Sunswept; content deemed reliable but not guaranteed.
Who Sunswept is best for.
Best for
- A buyer who has already identified a specific home in Sunswept and wants a careful, independent valuation before offering.
- A buyer comfortable making a decision without a deep pool of recent local comparables to reference.
- An investor or owner-occupant focused on the individual property's condition and lot rather than on community-wide trends.
Probably not for
- A buyer who wants a track record of pricing and pace across dozens of recent closings before committing.
- A buyer relying on published community amenities as part of the purchase decision, since none are identified here.
- A buyer who needs strong recent-comparable data within the community itself to support financing or appraisal.
The market around Sunswept
Sunswept is too small for its own price trend, so here is the market around it.
In ZIP 32408, 757 homes are on the market and 11% are under contract — a slower corner of Panama City.
Across Bay County, 2,515 homes are active and 528 pending (17% under contract).
In ZIP 32408 (Panama City), 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 put supply at about 8.0 months — a buyer's market. See the live ZIP 32408 housing market and the Bay County market.
ZIP and county figures describe the wider market, not Sunswept specifically. Momentum Research analysis of MLS records.
Sunswept 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 Sunswept buying strategy.
If we were buying in Sunswept 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 Sunswept.
A market too small to average
With only two homes represented in the feed and a single closing in the most recent window, Sunswept does not generate the volume needed to describe a median price, a typical time on market, or a consistent condition-to-price relationship. Any of those figures would be built on a sample too small to hold up.
The homestead share sitting at zero in this snapshot is worth noting on its own, though with a base of just two homes it should be read as a data point about the current listing set rather than a broader statement about how the community is used. Buyers and sellers here should treat each available home as its own case, verified through direct inspection of the listing and comparable sales pulled from a wider radius if needed.
The location and the amenities are priced into every listing in Sunswept. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with this little MLS volume, the value we add is in sourcing comparables from outside Sunswept itself, pressure-testing a listing's condition and pricing against similar homes nearby, and making sure a thin local dataset does not lead to an uninformed offer or an underpriced listing.
Sunswept in 15 seconds.
Tools for a Sunswept 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 Sunswept sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Sunswept, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Sunswept home worth?
Get a no-obligation home value based on real comparable sales in Sunswept, 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 →
Should you buy in Sunswept?
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: November 10, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (42 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. A Momentum agent can price yours against live local comps.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Sunswept fits the bigger picture — live prices, inventory, and Momentum Scores:
What it really costs to own in Sunswept
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 $2,254/yr across 6 listings here (MLS tax records, 2026-11-11). |
|---|---|
| HOA dues | Median $479/month across 4 MLS listings (most billed quarterly; 2026-11-11). 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 1983 across 8 listings. An original roof here would be about 43 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 $828/month (tax $188, HOA $479, insurance $161). An estimate from the sources above, not a quote.
Email me new listings in Sunswept
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 Sunswept Condos for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Sunswept Condos for Sale will answer, and the answer is published on this page for the next buyer.
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.