El Centro Beach Homes for Sale

Living in El Centro Beach

El Centro Beach is a large recorded plat, not a handful of lots. Bay County draws it at about 129 acres, and the appraiser's parcel-number series for the plat, 33362 through 33648, holds 500 parcels, all with Panama City Beach addresses in ZIP 32413. The roll carries 317 as single-family homes, 56 as condominium units, 37 as vacant residential lots and 30 as multifamily parcels of fewer than ten units; the other 60 are commercial, civic, public, utility, common-area or larger multifamily parcels. Streets include El Centro Boulevard, Innocente Avenue, San Vincente Street, Lisbon Avenue, Junipero Avenue and Lullwater Drive, and parcels also front South Arnold Road, Front Beach Road and Panama City Beach Parkway.

The houses span almost seventy years. Years built on the roll run from 1957 to 2025 with a median of 1982: 6 from the 1950s, 37 from the 1960s, 100 from the 1970s, 55 from the 1980s, 50 from the 1990s, 41 from the 2000s, 19 from the 2010s and 9 since 2020. Living area runs from 779 to 3,680 square feet with a median near 1,550, and the middle four-fifths of single-family lots measure from about 3,300 to 13,200 square feet.

Two condominiums sit inside the outline under their own names. Lullwater Beach Condo has 40 units built in 1984 on Lullwater Drive, and its association was registered with the state on July 10, 1984 at 301 Lullwater Drive. El Centro Villas Phase I has 16 units built in 1985 on Granada Circle and El Centro Boulevard, and its association was registered on January 21, 1985 with a Granada Circle address. Both are active. Zoning varies as well: on the county's zoning layer, 174 of the 317 single-family parcels fall in single-family high-density zoning (R-1c), 98 in commercial high-intensity zoning (CH), 44 in limited multifamily (R-2) and one in R-3.

FEMA's flood map, effective October 24, 2024, puts 23 of the 500 parcels partly in Zone AE at 9 feet, no more than about 30 percent of any one parcel, and draws the rest essentially in Zone X, minimal or shaded. No parcel in the series touches a VE zone, though the nearest VE ground lies about 100 feet past the plat's southern edge. The MLS name search run on September 24, 2026 (dwellings only) found 31 results, one active and 30 sold, closing from September 12, 2017 through April 6, 2026: a dated slice of sales, not a roster of the plat's homes.