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Century 21 Ryan Realty News • Market Analysis • April 30, 2025

What Buyers & Sellers Need to Know

by C21 RR Admin
Aerial view of Panama City Beach and downtown Panama City, Florida, highlighting the coastal and inland residential neighborhoods.

📍 Market Snapshot: Single-Family Homes in 32408 vs. 32405 – What Buyers & Sellers Need to Know

When it comes to buying or selling a home in Panama City, understanding the differences between ZIP codes can make all the difference in your strategy and results. Though just a few miles apart, 32408 and 32405 represent two unique real estate markets with very different dynamics. Here’s a breakdown of current trends as of May 2025—and why working with a knowledgeable agent is essential.

🌊 MARCH 32408 – Panama City Beach (Coastal Living at a Premium) Single Family Home

  • Months Supply of Inventory: 9.41
    A high inventory level suggests a buyer’s market, where supply exceeds current demand.

  • 12-Month Inventory Change: +53.51%
    Indicates a significant increase in homes for sale, likely signaling slower buyer activity or more listings hitting the market.

  • Median Days on Market: 42
    Homes are selling in a reasonable timeframe but may require competitive pricing to move quickly.

  • Sold-to-List Price Ratio: 95.1%
    Homes are selling for slightly below list price, offering room for negotiation.

  • Median Sold Price: $450,000
    Reflects the premium location and amenities of beachside living.

📌 Takeaway:
32408 is ideal for those looking for a coastal lifestyle or investment property, but with rising inventory, it’s crucial to price and market strategically.

🏡 MARCH 32405 – Central Panama City (Affordable & In-Demand) Single Family Home

  • Months Supply of Inventory: 4.74
    Indicates a balanced market that favors both buyers and sellers.

  • 12-Month Inventory Change: +58.53%
    More homes are available, giving buyers more options—but homes are still moving quickly.

  • Median Days on Market: 27
    Properties are selling faster than in 32408, showing strong local demand.

  • Sold-to-List Price Ratio: 97%
    Homes are closing very close to asking price, which means sellers are pricing effectively.

  • Median Sold Price: $282,500
    More budget-friendly, making it attractive for first-time buyers and families.

📌 Takeaway:
32405 is a great option for buyers seeking affordability, convenience, and quick-moving inventory.

👥 Why Local Expertise Matters

Are you looking around Northwest Florida? Let us help you zero in on your ideal area. Although ZIP codes 32408 and 32405 are close, the markets behave very differently. Whether you’re after a beachside investment or a primary home inland, real estate isn’t one-size-fits-all.

At Century 21 Ryan Realty, our local experts provide free, personalized consultations tailored to your specific ZIP code and goals. Reach out today and get the insights you need to move forward with confidence.

📞 Contact us today at 850-233-7926, to schedule your tailored appointment and take the first step toward your real estate goals—whether you’re buying, selling, or investing.

Century 21 Ryan Realty News • April 30, 2025

2025 May Events in Panama City Beach, Florida

by C21 RR Admin
Century 21 Ryan Realty is a full-service real estate company offering expert guidance in residential and commercial sales, as well as short- and long-term rental management along the beautiful Emerald Coast.

Welcome to an exciting lineup of events and farmers’ markets along the stunning Northwest Florida coast, May 2025!
From Panama City Beach to Port St. Joe, and stretching across the scenic 30A corridor, this month is packed with vibrant happenings and fresh local offerings. Whether you’re a resident or a visitor, there’s something for everyone.

May 2025 Events in Panama City Beach & Bay County

🏍️ Thunder Beach Motorcycle Rally
April 30 – May 4, 2025
Experience one of the nation’s premier motorcycle rallies, featuring live music, vendor exhibits, and scenic rides along the Gulf Coast.

🎣 Blessing of the Fleet, Fish Fry & Burning of the Socks
May 3, 2025 | St. Andrews Marina
Join the 28th annual maritime tradition honoring those lost at sea and blessing current vessels. Enjoy a fish fry from 10:00 AM to 3:00 PM, a boat processional at noon, and the symbolic sock burning ceremony. Vendors will be on-site from 9:00 AM to 5:00 PM. Proceeds benefit Second Chance of Northwest Florida.

🎉 Cinco de Mayo Celebrations
May 5, 2025
Celebrate Cinco de Mayo with various events around Panama City Beach and surrounding counties!

🚙 Florida Jeep Jam
May 12–17, 2025 | Frank Brown Park
Join thousands of Jeep enthusiasts for off-road adventures, obstacle courses, beach parties, and a vibrant vendor village.

🏃 Jam on the Coast 5K
May 31, 2025
Participate in this scenic 5K run along the beautiful beaches of Panama City Beach. All runners receive a moisture-wicking shirt and a finisher medal.

🎶 Gulf Coast Jam
May 29 – June 1, 2025
Enjoy four days of country music performances from top artists in this annual beachside festival.

🇺🇸 Bay County Memorial Day Service
May 26, 2025 | Kent-Forest Lawn Cemetery
Honor and remember the sacrifices of military personnel at this annual Memorial Day ceremony.

For more details and additional events, visit:

Click here for 22 Places for Live Music in Panama City Beach!
Looking for great live music? In Panama City Beach, you never have to go far. From world famous bands performing at open-air music festivals, to local bands playing clubs or taking the stage of a beachside restaurant, you’ll have music in your ears even before you have sand between your toes!

Farmers’ Markets in Northwest Florida

These markets occur weekly or bi-weekly throughout March and are not tied to specific event dates. They cover 30A, Panama City Beach, Panama City, Mexico Beach, St. Joe Beach, and Port St. Joe, with websites provided.

30A Farmers’ Market (Rosemary Beach)

    • What: Fresh produce, artisan foods, and local goods.
    • When: Sundays, 9:00 AM – 1:00 PM (year-round).
    • Where: 28 North Barrett Square, Rosemary Beach, FL 32461.

WaterSound Origins Farmers’ Market (30A Area)

    • What: Local produce, meats, and specialty items.
    • When: Saturdays, 10:00 AM – 2:00 PM (year-round).
    • Where: 170 N. Watersound Parkway, Panama City Beach, FL 32413.

Grand Lagoon Waterfront Farmers’ Market

    • What: Produce, baked goods, and crafts.
    • When: Saturdays and Sundays, 8:00 AM – 1:00 PM (year-round).
    • Where: Capt. Anderson’s Restaurant, Panama City Beach, FL 32408.

Market at St. Andrews (Panama City)

    • What: Fresh fruits, vegetables, crafts, and food.
    • When: Saturdays, 9:00 AM – 1:00 PM (year-round).
    • Where: Oaks by the Bay Park, 2715 W 10th St, Panama City, FL 32401.

Mexico Beach Farmers’ Market

    • What: Local produce and goods (schedule unclear for 2025).
    • When: Tentative for March; historically bi-weekly or seasonal.
    • Where: Mexico Beach, FL.

St. Joe Beach Farmers’ Market

    • What: Local produce, crafts, and baked goods (schedule tentative for 2025).
    • When: Historically Fridays or Saturdays, 9:00 AM – 1:00 PM (seasonal; confirm continuation).
    • Where: St. Joe Beach, FL.

SaltAir Farmers’ Market (Port St. Joe)

    • What: Seasonal produce and local goods.
    • When: Saturdays, 9:00 AM – 1:00 PM (bi-weekly; confirm dates).
    • Where: Corner of US Hwy 71 and Reid Ave, Port St. Joe, FL.
Century 21 Ryan Realty News • April 2, 2025

2025 April Events in Panama City Beach, Florida

by C21 RR Admin
Welcome to Panama City Beach, Florida!

Welcome to an exciting lineup of events and farmers’ markets along the stunning Northwest Florida coast in April 2025!

From Panama City Beach to Port St. Joe, and stretching across the scenic 30A corridor, this month is packed with vibrant happenings and fresh local offerings. Whether you’re a resident or a visitor, there’s something for everyone.

Events in Panama City Beach

  • Dog Easter Egg Hunt: Bring your furry friends to Russell Fields City Pier for a fun-filled Easter egg hunt 
  • Pirates Voyage Treasure Hunt: Embark on a swashbuckling adventure at the Sky Wheel, perfect for families and thrill-seekers 
  • Underwater Easter Egg Hunt: Dive into the fun at St. Andrews State Park and discover hidden treasures beneath the waves 
  • Easter Egg Hunt: Join the Easter egg hunt at Frank Brown Park, a classic event for kids of all ages 
  • Seabreeze Jazz Festival: Groove to the sounds of jazz at Aaron Bessant Park, featuring talented musicians and stunning views 
  • Parrot Heads Rendezvous: Immerse yourself in the vibrant atmosphere of the Panama City Parrot Head Club’s annual fundraising music extravaganza
  • Thunder Beach Motor Cycle Rally: Rev up your engines and experience the thrill of the Thunder Beach Motor Cycle Rally 

Events in Panama City

  • Historic St. Andrews Bay: Explore the natural beauty of St. Andrews Bay, perfect for outdoor enthusiasts 
  • Historic Downtown Panama City: Visit Harrison Avenue in downtown Panama City for a taste of local culture, family events, shopping, and dining 
  • Destination Panama City: Plan, Play, Dine, Shop, Stay! Destination Panama City, has outlined amazing things to do and places to stay in the area.

22 Places for Live Music in Panama City Beach! – click here

Looking for great live music? In Panama City Beach, you never have to go far. From world famous bands performing at open-air music festivals, to local bands playing clubs or taking the stage of a beachside restaurant, you’ll have music in your ears even before you have sand between your toes!

Farmers’ Markets in Northwest Florida

These markets occur weekly or bi-weekly throughout March and are not tied to specific event dates. They cover 30A, Panama City Beach, Panama City, Mexico Beach, St. Joe Beach, and Port St. Joe, with websites provided.

30A Farmers’ Market (Rosemary Beach)

    • What: Fresh produce, artisan foods, and local goods.
    • When: Sundays, 9:00 AM – 1:00 PM (year-round).
    • Where: 28 North Barrett Square, Rosemary Beach, FL 32461.

Grand Boulevard Farmers’ Market (30A Area)

    • What: Produce, dairy, honey, and baked goods.
    • When: Saturdays, 9:00 AM – 1:00 PM (year-round).
    • Where: Grand Park, 600 Grand Blvd, Miramar Beach, FL 32550.

WaterSound Origins Farmers’ Market (30A Area)

    • What: Local produce, meats, and specialty items.
    • When: Saturdays, 10:00 AM – 2:00 PM (year-round).
    • Where: 170 N. Watersound Parkway, Panama City Beach, FL 32413.

Grand Lagoon Waterfront Farmers’ Market

    • What: Produce, baked goods, and crafts.
    • When: Saturdays and Sundays, 8:00 AM – 1:00 PM (year-round).
    • Where: Capt. Anderson’s Restaurant, Panama City Beach, FL 32408.

Market at St. Andrews (Panama City)

    • What: Fresh fruits, vegetables, crafts, and food.
    • When: Saturdays, 9:00 AM – 1:00 PM (year-round).
    • Where: Oaks by the Bay Park, 2715 W 10th St, Panama City, FL 32401.

Mexico Beach Farmers’ Market

    • What: Local produce and goods (schedule unclear for 2025).
    • When: Tentative for March; historically bi-weekly or seasonal.
    • Where: Mexico Beach, FL.

St. Joe Beach Farmers’ Market

    • What: Local produce, crafts, and baked goods (schedule tentative for 2025).
    • When: Historically Fridays or Saturdays, 9:00 AM – 1:00 PM (seasonal; confirm continuation).
    • Where: St. Joe Beach, FL.

SaltAir Farmers’ Market (Port St. Joe)

    • What: Seasonal produce and local goods.
    • When: Saturdays, 9:00 AM – 1:00 PM (bi-weekly; confirm dates).
    • Where: Corner of US Hwy 71 and Reid Ave, Port St. Joe, FL.
Century 21 Ryan Realty News • March 2, 2025

2025 March Events in Panama City Beach, Florida

by C21 RR Admin
Northwest Florida, Events March 2025

Welcome to an exciting lineup of events and farmers’ markets along the stunning Northwest Florida coast in March 2025!

From Panama City Beach to Port St. Joe, and stretching across the scenic 30A corridor, this month is packed with vibrant happenings and fresh local offerings. Whether you’re a resident or a visitor, there’s something for everyone—from car shows and art festivals to St. Patrick’s Day celebrations, food truck extravaganzas, and educational networking events. Kick off the month today, March 2, 2025, with dynamic showcases in Panama City Beach, and keep the fun going with recurring farmers’ markets that bring the best of the region’s produce, crafts, and community spirit every week. Dive into this guide, organized from today onward, and explore the websites provided for the latest details on locations and schedules. Get ready to experience the charm, flavor, and energy of Northwest Florida this spring!

March 7 & 8, 2025

Fluxe Art Festival 

    • What: Free event with chalk art, vendors, and live music.
    • When: Friday, & Saturday March 7&8
    • Where: Downtown Panama City.
    • Details: Hosted by Bay Arts Alliance

Food Truck Festival – Lynn Haven

    • What: International Food Truck Festival with over 20 trucks, live entertainment, and yard games.
    • When: Saturday, March 8, 2:00 PM – 7:00 PM.
    • Where: Sharon Sheffield Park, Lynn Haven.
    • Details: Second annual event celebrating diverse cuisines, hosted by the City of Lynn Haven.

Panama City Comedy at Little Village

    • What: Regional and national comedians performing under the palapa hut, with bar and menu available.
    • When: Saturday, March 8 at 7:30PM.
    • Where: Little Village, 1110 Beck Ave, Panama City.
    • Details: Rated R adult content event, part of Panama City Comedy’s lineup.

March 14, 2025

Friday at the Beach

    • What: Networking event with the business community, hosted by the Panama City Beach Chamber of Commerce.
    • When: Friday, March 14 (typically 7:30 AM – 9:00 AM, confirm time closer to date).
    • Where: Capt. Anderson’s Event Center, 5550 N Lagoon Dr, Panama City Beach.
    • Details: Features a keynote speaker and breakfast, fostering local business connections.

March 17, 2025 (St. Patrick’s Day)

McGuire’s Opening – St. Patrick’s Day

    • What: Grand opening of McGuire’s Irish Pub with festivities.
    • Where: Panama City Beach.
    • Details: A Visit Panama City Beach highlight with Irish flair.

St. Patrick’s Day Party – Duplin Winery

    • What: Wine-focused St. Patrick’s Day event.
    • Where: Duplin Winery, Panama City Beach.
    • Details: Relaxed celebration with themed drinks.

St. Patrick’s Day Festival – House of Henry

    • What: Irish-themed festival with food and drinks.
    • Where: House of Henry, Panama City.
    • Details: Community event.

Little Village – Tacky Tourist Pub Crawl

    • What: Themed pub crawl with tacky tourist outfits, visiting local bars.
    • Where: Little Village, 1110 Beck Ave, Panama City.
    • Details: Tied to St. Patrick’s Day on March 17, 2025; a quirky event.

The Dive – St. Patrick’s Day Event

    • What: Dive bar hosting a St. Patrick’s Day celebration with drinks and music.
    • Where: The Dive, 1118 Bayview Ave, Panama City.
    • Details: Expected on March 17, 2025; known for its eclectic vibe.

Newby’s on the Bay – St. Patrick’s Day Celebration

    • What: St. Patrick’s Day event with live music and drinks.
    • Where: Newby’s on the Bay, Panama City Beach.
    • Details: Anticipated for March 17, 2025; a local favorite.

Alice on Bayview – St. Patrick’s Day Specials

    • What: Southern food and drink specials for St. Patrick’s Day.
    • Where: Alice on Bayview, 1000 Bayview Ave, Panama City.
    • Details: On March 17, 2025; overlooks St. Andrews Marina.

March 18, 2025

BBIA Lunch and Learn with Dan Rowe

    • What: Educational networking event hosted by Bay Building Industries Association, featuring Dan Rowe, CEO of Visit Panama City Beach, as keynote speaker.
    • When: Tuesday, March 18, 11:30 AM – 1:15 PM.
    • Where: Capt. Anderson’s Event Center, 5550 N Lagoon Dr, Panama City Beach.
    • Details: Includes lunch catered by Angel’s BBQ; focuses on industry insights and community impact.

March 22, 2025

Tree Giveaway

    • What: Distribution of free trees to enhance community resilience.
    • Details: Happening on March 22, 2025. Part of Panama City’s sustainability efforts.

March 28 & 29th, 2025

UnWined

    • What: Wine and food festival with live music.
    • Where: Panama City Beach.
    • Details: Chamber of Commerce spring event, great for adults and seniors.

Farmers’ Markets (Recurring in March 2025)

These markets occur weekly or bi-weekly throughout March and are not tied to specific event dates. They cover 30A, Panama City Beach, Panama City, Mexico Beach, St. Joe Beach, and Port St. Joe, with websites provided.

30A Farmers’ Market (Rosemary Beach)

    • What: Fresh produce, artisan foods, and local goods.
    • When: Sundays, 9:00 AM – 1:00 PM (year-round).
    • Where: 28 North Barrett Square, Rosemary Beach, FL 32461.

Grand Lagoon Waterfront Farmers’ Market

    • What: Produce, baked goods, and crafts.
    • When: Saturdays and Sundays, 8:00 AM – 1:00 PM (year-round).
    • Where: Capt. Anderson’s Restaurant, Panama City Beach.

Market at St. Andrews (Panama City)

    • What: Fresh fruits, vegetables, crafts, and food.
    • When: Saturdays, 9:00 AM – 1:00 PM (year-round).
    • Where: Oaks by the Bay Park, 2715 W 10th St, Panama City, FL 32401.

Grand Boulevard Farmers’ Market (30A Area)

    • What: Produce, dairy, honey, and baked goods.
    • When: Saturdays, 9:00 AM – 1:00 PM (year-round).
    • Where: Grand Park, 600 Grand Blvd, Miramar Beach, FL 32550.

WaterSound Origins Farmers’ Market (30A Area)

    • What: Local produce, meats, and specialty items.
    • When: Saturdays, 10:00 AM – 2:00 PM (year-round).
    • Where: 170 N. Watersound Parkway, Panama City Beach, FL 32413.

SaltAir Farmers’ Market (Port St. Joe)

    • What: Seasonal produce and local goods.
    • When: Saturdays, 9:00 AM – 1:00 PM (bi-weekly; confirm dates).
    • Where: Corner of US Hwy 71 and Reid Ave, Port St. Joe, FL.

St. Joe Beach Farmers’ Market

    • What: Local produce, crafts, and baked goods (schedule tentative for 2025).
    • When: Historically Fridays or Saturdays, 9:00 AM – 1:00 PM (seasonal; confirm continuation).
    • Where: St. Joe Beach, FL.

Mexico Beach Farmers’ Market

    • What: Local produce and goods (schedule unclear for 2025).
    • When: Tentative for March; historically bi-weekly or seasonal.
    • Where: Mexico Beach, FL.
Century 21 Ryan Realty News • February 1, 2025

Market Trends 32404 Panama City, Florida

by C21 RR Admin
Charming 3-bedroom home in 32404 with fenced-in backyard

Market Insights for Sellers: Navigating the Current Real Estate Landscape

As a seller in today’s real estate market, understanding the intricate relationships between key metrics is crucial for making informed decisions. In this analysis, we’ll delve into the current market conditions and provide valuable insights to help sellers navigate the landscape.

Low Inventory Levels: A Seller’s Advantage

The Months Supply of Inventory stands at 3.69 months, indicating a competitive market with limited options for potential buyers. This scarcity can work in favor of sellers, driving up demand and potentially leading to higher selling prices.

Shifting Market Dynamics: A Cautionary Note

The 12-Month Change in Months of Inventory has increased by 12.5%, suggesting a gradual shift towards a more balanced market. As inventory levels rise, the market may become less favorable for sellers, with increased competition and potentially lower prices.

Quick Selling Times: A Positive Sign

The Median Days Homes are On the Market is 57 days, indicating that properties are selling relatively quickly. This is a positive sign for sellers, reflecting strong demand in the market and a reduced risk of properties lingering for extended periods.

Effective Pricing: A Key to Success

The List to Sold Price Percentage of 96.1% suggests that homes are typically selling close to their list price. This is a positive indicator for sellers, demonstrating that effective pricing strategies are yielding strong results.

Benchmarking Success: Median Sold Price

The Median Sold Price of $312,500 provides a valuable benchmark for sellers to understand the average selling price in the market. This insight can help sellers price their own properties competitively, attracting potential buyers and achieving a successful sale.

Conclusion

The current real estate market presents a favorable environment for sellers, characterized by low inventory levels, quick selling times, and properties selling close to their asking prices. However, sellers must remain vigilant, as increasing inventory levels and shifting market dynamics may impact future market conditions. By staying informed and working with a knowledgeable real estate agent, sellers can navigate the market effectively and achieve the best possible outcome.

Read the Full Report here: 32404 Residential Market Trends – Realtors Property Resource

Listing agent and location for image above, Lolita Millyard, Century 21 Ryan Realty. Direct: (850) 640-8421
https://lolita.sites.c21.homes/listing/FL/Parker/522-Shade-Street-32404/200592012

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