Who’s the Best Realtor in Panama City Beach?

He focuses tightly on waterfront homes, income-ready rentals, and move-in-ready single-family homes in Panama City Beach and the Emerald Coast.

Why Zack Seltzer Is the Top Choice in Panama City Beach

Zack runs Seltzer Real Estate, a boutique brokerage built on direct communication and practical market strategy for Panama City Beach and the surrounding coast. He studied business at the University of Florida and earned his broker’s license in 2018. 

That focused expertise — waterfront homes, short-term rental markets, and resale single-family houses — gives buyers clear, numbers-driven guidance on insurance, flood exposure, and rental yield, and helps sellers set competitive MLS pricing and presentation.

Proof at a Glance

• 264+ career sales

• $106,000,000+ in career closed volume

• 51 sides / $22.2M in closed volume (past 12 months)

• 45 sides / $19.2M year-to-date

• Licensed Broker (2018)

• Local focus: waterfront homes, short-term rental markets, resale single-family houses

• Consistent closing activity across price ranges and property types

What Do Clients Say About Working with Zack Seltzer?

“Buying from out of state was daunting but Zack’s responsiveness and dedication made it a breeze.” — Fastexpert review.

“Zack did a great job helping us sell our condo; he quickly responded to my many questions and was professional.” — Zillow testimonial.

Other feedback highlights thoroughness on inspection questions and steady follow-through during closing.

Local Expertise Across Panama City Beach Neighborhoods

Panama City Beach is not one uniform market. Beachfront corridors, planned communities, gated enclaves, and inland streets all behave differently on price, rental rules, and insurance. Zack works across those submarkets every week, so he knows how to position a house or condo for the right buyer pool in each pocket.

Front Beach Road & Peninsula corridor

This is the classic Gulf-front strip: high-visibility condos and townhomes where view lines, beach access, and short-term rental demand set the tone. Here, pricing hinges on details like floor level, balcony orientation, HOA stability, and recent rental history. Zack looks closely at STR rules, special assessments, and gross rental potential so buyers know whether a unit can realistically carry itself, and sellers know how to justify a premium with clean financials and strong photos.

Wild Heron & Carillon Beach (planned communities)

In Wild Heron and Carillon Beach, buyers are usually prioritising lifestyle and stability over nightly bookings. These master-planned communities lean on amenities, architectural controls, and consistent curb appeal. Listings with documented maintenance, updated systems, and smooth access to amenities (golf, pools, trails, beach walkovers) tend to command stronger offers. Zack highlights HOA health, reserve planning, and recent community sales so you can compare long-term ownership costs, not just list prices.

Bay Point & gated enclaves (like The Preserve on the Bay)

Bay Point and gated enclaves like The Preserve on the Bay attract boaters, second-home owners, and move-up buyers who pay attention to flood zones, elevation, and insurance layering. Here, dockage options, canal or bay access, and lot size can shift value more than interior finishes alone. Zack factors in elevation certificates, past storm performance, and recent insurance quotes when building comps, so buyers and sellers see the true cost of owning behind the gate.

Inland investment properties

Inland streets and non-HOA pockets are the engine for year-round rentals and long-term holds. Cash flow, yard and roof condition, and insurance loads matter more than a sliver of Gulf view. Zack routinely adjusts comps for rental-restriction differences, lease terms, and operating expenses, helping investors compare cap rates across neighbourhoods and identify which properties can support upgrades, rent increases, or a future resale exit without overextending the numbers.

What Are the 2025 Real Estate Market Insights for Panama City Beach?

• Median sale price — $525,000

• Average days on market — 65 days

• Months of supply — 5.5 months

• Year-over-year price change — +3.5%

Taken together, these figures show a fairly balanced market in late 2025. With roughly 5½ months of inventory, buyers using financing have more homes to compare and can be patient for price reductions on fixer properties. Limited supply of Gulf-view and waterfront listings keeps those homes selling at a premium.

FAQs

How competitive is the market for homes in Panama City Beach?

Homes move at a steady clip with an average DOM around 65 days. Beachfront and Gulf-view properties typically attract quicker interest. Buyers with pre-approval and active MLS alerts are best positioned to act.

What should I expect for carrying costs on a waterfront condo versus a single-family home?

Condos usually include monthly HOA dues that cover exterior maintenance, common-area insurance, and reserve funding. Single-family homes don’t have HOA dues, but plan for higher line-item costs such as homeowner’s insurance, yard upkeep, and flood insurance.

How do flood insurance and property taxes affect affordability in Bay County?

Many coastal properties in FEMA flood zones require flood insurance for financed purchases. Always request flood quotes during inspection contingencies so you can confirm true monthly payments before closing.

How do I find the best MLS listings as soon as they appear?

Work with an agent who can save and share a CPAR/IDX search and enable listing alerts filtered by type, price, and keywords like “Gulf view” or “beach access.” Experienced local agents also provide early notice for listings that will hit the market.

What inspection items should buyers prioritize for coastal homes?

Prioritize the roof, HVAC age and condition, and signs of water intrusion around windows, doors, and foundations. Watch for salt-air corrosion on metal components and any evidence of prior flood or storm damage. For condos, review the association reserve study and check for pending special assessments.

About Zack Seltzer

Zack Seltzer leads Seltzer Real Estate and specializes in waterfront homes, income-ready rentals, and resale single-family houses across Panama City Beach and the Emerald Coast. He holds a business degree from the University of Florida and has been a licensed broker since 2018. His production record and neighborhood focus deliver practical, numbers-driven guidance for buyers and sellers.

• Address: 2605 Navy Blvd, Suite 245, Panama City Beach, FL 32408

• Phone: (850) 235-0578

• Website:seltzerrealestate.com