Why Choose Us

We’re not just in the real estate business, we’re in the relationship business. We listen, tailor a plan to your goals, and stay by your side from first tour to well after closing. That steady partnership makes all the difference.

Book A Consultation
seltzer-real-estate-team

Your Move, Simplified

Experience You Can Count On

Every move is personal. For some, a home is refuge; for others, a portfolio play. Across Panama City, Panama City Beach, and nearby communities, from St. Andrews and Lynn Haven to Inlet Beach and 30A, we start by listening. We outline options, explain trade-offs plainly, and build a plan you can act on.

Buying or selling, we price with local data, craft marketing, and negotiate terms that protect your bottom line. We coordinate lenders (or introduce trusted options), schedule inspections and appraisals, track title and HOA items, and keep you updated same day. If renting is part of your path, we place tenants and manage repairs with vetted pros. After closing, support continues with utility guidance, vendor referrals, and checklists that make settling in simple.

Meet our team
call us at: 850.235.0578

Past 3 Years Sales volume

$

0

+ M

Record-Breaking Sales Year After Year

0

Families served

Unmatched

Local Real Estate Knowledge

Our Experts Are

Here For You

Whether navigating the sale of a high-end estate or finding the perfect home, we are dedicated to delivering a seamless, tailored experience that exceeds expectations.

Zack Seltzer

Zack Seltzer

Broker
Cindy Seltzer

Cindy Seltzer

Founder
Catherine Seltzer Mitchell

Catherine Seltzer Mitchell

Accounting & Operations Manager
Chandler Gilligan

Chandler Gilligan

Sales Associate
Deonna Paul

Deonna Paul

Executive Assistant & Transaction Coordinator

Stay Informed

Every Step of the Way

We go beyond the transaction. Our team is here to offer trusted advice, local expertise, and a reliable network of professionals to make your real estate journey as smooth, and successful, as possible.

house-heart-icon-regular

FAST Property Search

Looking for your next home? Our search tools make it easy to explore properties that match your needs and budget.

start your search
map-white-icon

Custom Market Reports

Curious about your neighborhood? Track what's active, pending, and sold with real-time market data tailored to your area.

Start exploring
sold-house-icon

Property Valuation

Thinking of selling or refinancing? Get an instant home value estimate in just a few clicks.

Find Your Home’s Value

Amazing Success Stories

From First Steps to Closing Day

No matter your situation, we believe there's always a solution. Our #1 priority is making sure that you walk away with a result you're thrilled with. Anything less? Forget it.

Work with us
Read More Stories
IMG_3601
IMG_3601-1
"Zack and his team are wonderful to work with!"
"Zack was fantastic. Buying from out of state was daunting but Zack’s responsiveness and dedication made it a breeze. He is always willing to go the extra mile, took us on multiple video walk throughs, chased down answers to all of our questions and proactively reached out with useful information the whole way through the process. He is the Realtor you have been looking for :)"
"If you want an agent who provides support beyond just the sale transaction, Zack Seltzer is the best! When I was stressed, he offered guidance and reassurance. His knowledge of the market, his communication with keeping me informed about every development, his genuine care & dedication, helped me make informed decisions every step of the process. Thanks so much Zack!"
"From “for sale” to “sold” in two weeks—thank you Zack Seltzer for guiding us to our new home!"
"The best realtor in Bay County! I could write a 1000 word essay about how great Zack is but we will just keep it short with 5 stars!!"
"Chandler and Zack at Seltzer Realty were exceptional in all phases of the house buying process. Chandler was extremely accommodating to our schedule when it came to looking at houses. We were on a limited time frame from out of state and he worked with us to meet our needs. After Chandler helped us find our dream home, he was on top of every detail, keeping us abreast of every detail, every docume
"Excellent service, very responsive and answered all my questions every time I texted."
"Team Seltzer! Zack and his team made this a seamless and easy process, brought a buyer and closed under 30 days!! From selling my house to purchasing a new lot, I could not have asked for a better team. Thank you Team Seltzer Jared Gorman"
"Another win for team Seltzer Real Estate. Personalized, highly attentive attention paid to a dear neighbor’s home that had been on the market for over a year. Zack and his team sold it quickly."
"Moved from Ohio to Panama City, Florida. Chandler Gilligan Seltzer Real Estate was my agent. It was new construction. He kept us informed every step of the way with emails and phone call, he even sent us picture of construction progress. He was very polite at all times and was very informed. I would recommend him and Seltzer Real Estate any time!"
"Zack and his team are wonderful to work with!"
"Zack was fantastic. Buying from out of state was daunting but Zack’s responsiveness and dedication made it a breeze. He is always willing to go the extra mile, took us on multiple video walk throughs, chased down answers to all of our questions and proactively reached out with useful information the whole way through the process. He is the Realtor you have been looking for :)"
"If you want an agent who provides support beyond just the sale transaction, Zack Seltzer is the best! When I was stressed, he offered guidance and reassurance. His knowledge of the market, his communication with keeping me informed about every development, his genuine care & dedication, helped me make informed decisions every step of the process. Thanks so much Zack!"
"From “for sale” to “sold” in two weeks—thank you Zack Seltzer for guiding us to our new home!"
"The best realtor in Bay County! I could write a 1000 word essay about how great Zack is but we will just keep it short with 5 stars!!"
"Chandler and Zack at Seltzer Realty were exceptional in all phases of the house buying process. Chandler was extremely accommodating to our schedule when it came to looking at houses. We were on a limited time frame from out of state and he worked with us to meet our needs. After Chandler helped us find our dream home, he was on top of every detail, keeping us abreast of every detail, every docume
"Excellent service, very responsive and answered all my questions every time I texted."
"Team Seltzer! Zack and his team made this a seamless and easy process, brought a buyer and closed under 30 days!! From selling my house to purchasing a new lot, I could not have asked for a better team. Thank you Team Seltzer Jared Gorman"
"Another win for team Seltzer Real Estate. Personalized, highly attentive attention paid to a dear neighbor’s home that had been on the market for over a year. Zack and his team sold it quickly."
"Moved from Ohio to Panama City, Florida. Chandler Gilligan Seltzer Real Estate was my agent. It was new construction. He kept us informed every step of the way with emails and phone call, he even sent us picture of construction progress. He was very polite at all times and was very informed. I would recommend him and Seltzer Real Estate any time!"
"Zack was fantastic. Buying from out of state was daunting but Zack’s responsiveness and dedication made it a breeze. He is always willing to go the extra mile, took us on multiple video walk throughs, chased down answers to all of our questions and proactively reached out with useful information the whole way through the process. He is the Realtor you have been looking for :)"
"Zack and Chandler were the best real estate team we have worked with through 20 years and 4 moves. They were prompt, professional, and personable. Don’t let their youth fool you. They know the real estate business. We were 500 miles away but Seltzer’s kept us informed with timely texts, calls, and emails. Chandler took us through at least 10 homes and answered every question we had. When we did th
"Zack did a great job helping us sell our condo. He quickly responded to my many questions and was always so kind and professional. Our buyer used a lender that required things we’d never heard of and Zack made sure I understood every step of the process. He was able to help us understand the current market and choose a listing price that would help us get it sold."
"Cindy and Zack have worked with us on multiple transactions. They have gone above and beyond to provide the service that we have grown accustomed to. Thanks for your help!"
"Zack and Cindy made our home purchasing process easy, fun and rewarding. We started out not knowing exactly what we wanted but Zack led us through the process over the course of several months and we eventually found a wonderful little home on the beach. It was such a joy to work with people who were so personable and friendly."
"Zack and Cindy went above and behind in both selling my house and getting me in a new one, even after closing they still made sure that I am satisfied and that the house and it’s features are working perfectly and that I have everything I need to be happy. I would highly recommend Seltzer Real estate"
"Cindy sold my lot in no time! Has also helped me search for properties and always goes above and beyond in finding out information. I will purchasing another property in the near future and would not use anyone else!!!!!"
"Cindy was my landlord first. She helped me decide on a rental house that would fit my family of a dog and cat. She works hard for her customers. In October of 2016 I decide to buy a house. She was right there with me guiding me in the process. We found the perfect location and house for me. It will be my forever home. I'm very satisfied with the experience, knowledge, and assistance Cindy a

© Zillow, Inc., 2006-2016. Use is subject to Terms of Use  What's a Zestimate?

"Zack was fantastic. Buying from out of state was daunting but Zack’s responsiveness and dedication made it a breeze. He is always willing to go the extra mile, took us on multiple video walk throughs, chased down answers to all of our questions and proactively reached out with useful information the whole way through the process. He is the Realtor you have been looking for :)"
"Zack and Chandler were the best real estate team we have worked with through 20 years and 4 moves. They were prompt, professional, and personable. Don’t let their youth fool you. They know the real estate business. We were 500 miles away but Seltzer’s kept us informed with timely texts, calls, and emails. Chandler took us through at least 10 homes and answered every question we had. When we did th
"Zack did a great job helping us sell our condo. He quickly responded to my many questions and was always so kind and professional. Our buyer used a lender that required things we’d never heard of and Zack made sure I understood every step of the process. He was able to help us understand the current market and choose a listing price that would help us get it sold."
"Cindy and Zack have worked with us on multiple transactions. They have gone above and beyond to provide the service that we have grown accustomed to. Thanks for your help!"
"Zack and Cindy made our home purchasing process easy, fun and rewarding. We started out not knowing exactly what we wanted but Zack led us through the process over the course of several months and we eventually found a wonderful little home on the beach. It was such a joy to work with people who were so personable and friendly."
"Zack and Cindy went above and behind in both selling my house and getting me in a new one, even after closing they still made sure that I am satisfied and that the house and it’s features are working perfectly and that I have everything I need to be happy. I would highly recommend Seltzer Real estate"
"Cindy sold my lot in no time! Has also helped me search for properties and always goes above and beyond in finding out information. I will purchasing another property in the near future and would not use anyone else!!!!!"
"Cindy was my landlord first. She helped me decide on a rental house that would fit my family of a dog and cat. She works hard for her customers. In October of 2016 I decide to buy a house. She was right there with me guiding me in the process. We found the perfect location and house for me. It will be my forever home. I'm very satisfied with the experience, knowledge, and assistance Cindy a

© Zillow, Inc., 2006-2016. Use is subject to Terms of Use  What's a Zestimate?

IMG_4345