Sweetwater Village S
Homes for Sale in Panama City, FL
All 257 homes for sale in Panama City, FL · median $349,000 · 302 homes for sale in 32404 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of October 2026, Sweetwater Village S in Panama City, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $140,200, a median 103 days on market, sellers accepting 88% of original asking (+11% versus the prior year). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $1,720 ($1,240 with the full homestead exemption).
Part of Sweetwater Village, Panama City, FL — see all Sweetwater Village homes for sale (1 listing across 3 sections in the MLS).
| Location | Panama City, Bay County, FL · ZIP 32404 |
|---|---|
| Sale prices, last 12 months | $140,200 median across 4 closed sales · +11.0% vs the prior 12 months |
| Days on market (closed sales) | 103 median |
| For sale right now | 1 active, 0 pending · median asking $164,000 |
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. Market figures describe homes, not residents. Cite as: Momentum Realty, “Sweetwater Village S key facts,” movewithmomentum.com/neighborhoods/sweetwater-village-s, data as of September 20, 2026.
The number that anchors Sweetwater Village S is the $140,200 median price, and it lines up with what's actually here: a mix of homes built between 1986 and 2023, with a median build year of 1998 and a median size of roughly 1,596 square feet. This is a lower-price-point, established-stock community, and pricing here is going to track condition and updates more than square footage or curb appeal alone.
The market posture right now is worth sitting with before you set expectations. Median days on market sits at 103, which is a slow clearing rate, yet the year-over-year read shows an 11% price increase. With only 4 closings in the most recent window, that gain should be read cautiously — a handful of sales can move a percentage more than they'd move in a larger community. Sellers should price to the comparable, not to the trend line, and buyers have room to negotiate on timeline given how long homes are sitting.
Sweetwater Village S right now
🟢 Still climbing. The trailing-12-month median ($140K) is up 11.0% from the prior 12 months ($126K). With about 3 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: Low (4 and 4 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 2, 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
Sweetwater Village S market snapshot (as of September 20, 2026): the median sale price is about $140K, and a median 103 days on market for closed sales. The trailing-12-month median is up 11% from the prior 12 months, computed from record-level CPAR MLS closed sales (4 closings in the current window).
In ZIP 32404 (Panama City), 1,060 homes closed in the last 12 months at a median of $290K, down 3.3% year over year, with a median 58 days on market. Right now 391 active and 146 pending listings — a balanced market. See the live ZIP 32404 housing market and the Bay County market.
Sweetwater Village S is a smaller, established community of 166 homes in Panama City with a build range spanning 1986 to 2023 — enough age spread that condition and updates vary meaningfully from one listing to the next. At a $140,200 median price and roughly 1,600 square feet typical, this reads as an entry-point community rather than a move-up one.
Who Sweetwater Village S is best for.
Best for
- A buyer prioritizing a lower purchase price over square footage or newer construction.
- A buyer comfortable evaluating condition home-by-home given the 1986–2023 build range.
- An owner-occupant planning to hold long-term rather than flip or resell quickly.
Probably not for
- A buyer who wants on-site community amenities — none are identified here.
- A buyer on a tight resale timeline, given the 103-day median days on market.
- A buyer relying heavily on a single-window price trend to justify an offer, given the small closings sample.
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 ($140K) IS the median in the snapshot above, and the move from 2025 ($126K) IS the +11.0% one-year change.
Windows contain 0 to 7 sales each (4 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.
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.
24% of homes for sale in ZIP 32404 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 (2026-10-02).
Sweetwater Village S Market Scorecard
Sweetwater Village S is currently a balanced market., a median asking price of $164,000, and homes go under contract in about 98 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.
Housing distress & ownership in Sweetwater Village S, Panama City
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 Sweetwater Village S
Live MLS inventory for Sweetwater Village S. 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 Sweetwater Village S 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 Sweetwater Village S Right Now (1)
All 1 active and pending Sweetwater Village S listings with a detail page, newest first, refreshed twice a day from the MLS.
- 6013 Stockholm Lane, Panama City, Fl 32404 · $164,000 · 3 bd / 2 ba · listed Jul 2, 2026 · listed by Keller Williams Success Realty
The Sweetwater Village S buying strategy.
If we were buying in Sweetwater Village S 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 Sweetwater Village S.
A Small Market That Rewards Patience
With only 166 homes total and just 4 closings in the current window, Sweetwater Village S is a thin market by definition. That's not a criticism — it just means pricing signals here are noisier than in a larger subdivision, and a single well-updated or poorly-maintained sale can swing the median more than it would elsewhere. Treat any single data point, including the 11% year-over-year figure, as directional rather than definitive.
A homestead share of 60.6% suggests a solid core of owner-occupied homes rather than a market dominated by investment turnover, which tends to support steadier upkeep over time even where individual homes vary in age and updates. No community amenities are identified from current MLS listings, so this isn't a community to buy into for a clubhouse or pool — the value proposition here is the home and the location, full stop.
The location and the amenities are priced into every listing in Sweetwater Village S. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this thin — 166 homes, a handful of closings per window — comps require real judgment, not just a pulled report. We track which sales in Sweetwater Village S are outliers versus true market-setters, and we price and negotiate accordingly on both sides of a transaction.
Sweetwater Village S in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $17/month · median of 20 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $17 per month — the median AssociationFee across 20 MLS records, normalised to a monthly figure; most are billed monthly. 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, 2026-10.
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 Sweetwater Village S 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 Sweetwater Village S sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Sweetwater Village S, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Sweetwater Village S home worth?
Get a no-obligation home value based on real comparable sales in Sweetwater Village S, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
What is the median home price in Sweetwater Village S?
How long do homes in Sweetwater Village S take to sell?
Who is the best real estate agent for Sweetwater Village S?
How do I find a top Panama City real estate agent who knows Sweetwater Village S?
Can Momentum Realty connect me with an agent for Sweetwater Village S?
Where is Sweetwater Village S, and what county is it in?
Should you buy in Sweetwater Village S?
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: October 1, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (40 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 Sweetwater Village S fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Sweetwater Village S
- Home values · What homes in Sweetwater Village S actually sell for
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