Suntime Beach U
Homes for Sale in Panama City Beach, FL
All 785 homes for sale in Panama City Beach, FL · median $369,000 · 653 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 October 2026, Suntime Beach U-1 in Panama City Beach, FL has 3 homes for sale. Homes listed or recently sold were built 1989–2013; none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 31 ft).
| Location | Panama City Beach, Bay County, FL · ZIP 32413 |
|---|---|
| Homes in the community | 27 (FL DOR 2025 assessment roll) |
| Years built | 1961–2020 (median 1990) |
| Typical living area | 1,982 sq ft (median) |
| For sale right now | 3 active, 0 pending · median asking $449,000 |
| Owner-occupied (homestead) share | 41% |
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, “Suntime Beach U-1 key facts,” movewithmomentum.com/neighborhoods/suntime-beach-u-1, data as of September 20, 2026.
Homes For Sale Right Now in Suntime Beach U
Live MLS inventory for Suntime Beach U. 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 Suntime Beach U listings as of 2026-10-01, 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 Suntime Beach U 1 Right Now (3)
All 3 active and pending Suntime Beach U 1 listings with a detail page, newest first, refreshed twice a day from the MLS.
- 125 Cobb Road, Panama City Beach, Fl 32413 · $1,250,000 · 6 bd / 5 ba · listed Aug 15, 2026 · listed by Counts Real Estate Group Inc
- 120 Cobb Road, Panama City Beach, Fl 32413 · $449,000 · 3 bd / 2 ba · listed Aug 13, 2026 · listed by Performance Realty
- 121 Cobb Road, Panama City Beach, Fl 32413 · $297,000 · 2 bd / 2 ba · listed Aug 10, 2026 · listed by Douglas Eliman 30A
The setting & the homes.
Aerial and on-site photos of Suntime Beach U. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Suntime Beach U
Suntime Beach U
Suntime Beach UPhotos from CPAR MLS listings in Suntime Beach U; content deemed reliable but not guaranteed.
The market around Suntime Beach U
Suntime Beach U is too small for its own price trend, so here is the market around it.
In ZIP 32413, 785 homes are on the market and 16% are under contract — a slower corner of Panama City Beach.
Across Bay County, 2,515 homes are active and 528 pending (17% under contract).
ZIP and county figures describe the wider market, not Suntime Beach U specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Suntime Beach U-1, 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.
Suntime Beach U 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, tiles © CARTO.
The Suntime Beach U buying strategy.
If we were buying in Suntime Beach U 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 Suntime Beach U.
A closer look at the Suntime Beach U market
The housing stock is 27 homes built between 1961 and 2020, and 41% 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 Suntime Beach U. The deal is won or lost on condition, the comps, and the renovation math.
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 Suntime Beach U 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 Suntime Beach U sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Suntime Beach U, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Suntime Beach U home worth?
Get a no-obligation home value based on real comparable sales in Suntime Beach U, 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 →
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.
14% 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 (2026-10-01).
Frequently Asked Questions
How many homes are in Suntime Beach U?
What share of Suntime Beach U is owner-occupied?
When were the homes in Suntime Beach U built?
Who is the best real estate agent for Suntime Beach U?
How do I find a top Panama City Beach real estate agent who knows Suntime Beach U?
Can Momentum Realty connect me with an agent for Suntime Beach U?
Where is Suntime Beach U, and what county is it in?
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: October 1, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32413)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (21 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.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Suntime Beach U-1 fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Suntime Beach U with Momentum Realty’s local guides.