Panama City Beach Condo Special Assessments 2026

Special assessments at Panama City Beach condominiums kept coming in 2026. Florida's Milestone Inspection and Structural Integrity Reserve Study (SIRS) requirements, enacted following the 2021 Surfside collapse, pushed several associations to deal with maintenance and infrastructure work they could no longer put off. For some buildings, the bills have been large.

Panama City Beach Condos with Special Assessments in 2026

This list is not exhaustive. A competent buyer's agent can help you understand any existing assessments and the potential for future ones before purchasing a Panama City Beach condo. Do not rely solely on this list.

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Pinnacle Port Condominiums

Pinnacle Port Condominiums is facing a $23,788,740 special assessment to fund major structural and infrastructure work across the complex. Owners are scheduled to vote on August 29, 2026.

The assessment covers the Tower and Mid-Rise buildings. Work includes exterior restoration, a full plumbing overhaul including drain stack lining and replacement, re-roofing of all Mid-Rise buildings, trash chute replacement, and balcony and walkway lighting.

Per-unit assessment amounts:

Tower

• Tower 1-Bedroom: $51,528.83
• Tower 2-Bedroom: $57,414.20
• Tower 3-Bedroom: $70,007.53

Mid-Rise

• Mid-Rise 1-Bedroom: $41,858.57
• Mid-Rise 2-Bedroom: $58,430.86
• Mid-Rise 3-Bedroom: $71,930.87

If approved, owners can pay 30% upfront by October 1, 2026, with the remaining 70% paid over 28 quarterly installments across 7 years at 6.75% interest per year. Owners who do not choose the payment plan would owe the full amount by October 1, 2026.

If the vote fails, the board has proposed a budget amendment requiring the same total to be paid through three large quarterly installments starting October 2026, with no payment plan available.

PINNACLE PORT: $23.8 MILLION SPECIAL ASSESSMENT VOTE THIS SATURDAY

Owners at Pinnacle Port ( Panama City Beach Florida) vote this Saturday, August 29th on a $23,788,740 special assessment — one of the largest we've seen at a PCB condo in recent years.

The assessment funds major… pic.twitter.com/3KjA3ene4k

— Christopher Arnold (@panamabeachreal) August 24, 2026

Dunes of Panama - A Building

The A Building at Dunes of Panama continued its major renovation in 2026 following its Milestone Inspection. The building approved a $1.6 million special assessment in March 2025 and shut down completely while repairs were underway. A second special assessment of $1.5 million was approved in May 2026 to cover additional work uncovered during the renovation. Finding more problems once walls come open is not unusual in projects like this one.

Dunes of Panama Building A - 2nd Special Assessment for Milestone Structural Repair Project

Dunes of Panama Building A in Panama City Beach passed a second special assessment in May 2026 of $1.5 million for the Milestone Structural Repair Project required by the Milestone… pic.twitter.com/e8VOTvxeEn

— Christopher Arnold (@panamabeachreal) May 29, 2026

The building was expected to reopen to owners later in 2026 following completion of the required structural work.

Ramsgate Harbour Condominium

Ramsgate Harbour Condominium wrapped up years of major repair work in 2026, completing the removal and replacement of all Gulf-facing balconies. The project had its roots in a 2022 Milestone Inspection and resulted in roughly $139,000 in total special assessments per unit across two rounds of work. For a full breakdown of how the association got there, see our coverage on Florida Condo News: Ramsgate Harbour: How a Panama City Beach Condo Navigated $139k in Special Assessments.

Ramsgate Harbour condo in Panama City Beach Florida tackled post-Surfside challenges and Milestone Inspection head-on: ~$139k per unit in special assessments for balcony replacements, structural fixes, and deferred maintenance. Result? Insurance premiums dropped sharply, projects… pic.twitter.com/5IAz4zJRgz

— Christopher Arnold (@panamabeachreal) March 9, 2026

Ocean Villa Condominium

Ocean Villa Condominium followed through on both of its projected 2026 special assessments. The association had disclosed these in the 2025 budget. It is the first time I have ever seen a condo association forecast expected special assessments for the year.

• April 2026: $1,036 per unit for the Master Insurance policy premium. Ocean Villa is the only condominium in Panama City Beach that I am aware of that has moved the master insurance policy to an annual special assessment rather than folding it into the regular budget.
• Q3/Q4 2026: $8,000 per unit for an exterior painting project, funded in part by $500,000 from a Hurricane Michael settlement, with the remaining $1,000,000 covered by the special assessment.

Shores of Panama

Coming soon.

Disclosure

This is not a comprehensive list of all special assessments at Panama City Beach condominiums in 2026. Many assessments are never publicly announced, and situations change. Do not rely on this article as your sole source of information. Do your own due diligence and verify anything you read here.

See also: Panama City Beach Condo Special Assessments 2025