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Written by Chris Arnold.

Panama City Beach Florida Condo Association Dues 2026

Panama City Beach Florida Condo Association dues 2026

We are currently compiling the 2026 Condominium Association Dues for Panama City Beach, Florida, and continue to expand the list of properties included in our review.

As of December 2025, only a limited number of 2026 budgets have been officially approved and released. This list will grow significantly in the coming weeks and months, and we will regularly update both the article and the comparison charts as additional condominium budgets become available.

Specific Condominiums

Majestic Beach Resort Condominium

Sterling Reef

Panama City Beach Florida Condo Association Dues 2025

Here's the article we published last year on 2025 Condo Association Dues in Panama City Beach, Florida. Below is the most recent chart we created for 2025, comparing monthly HOA dues for 2-bedroom condos across Panama City Beach.

Notably, while headlines across Florida warn of “skyrocketing” HOA fees crushing condo owners, Panama City Beach is experiencing far more moderate increases and significantly less fallout than many other areas of the state.

Panama City Beach 2026 Condo Association Dues

Panama City Beach condominium association dues are largely stabilizing across most properties. Here’s the breakdown:

  • After roughly five years of sharp increases, condominium insurance premiums have now declined for the past two years and are projected to drop again in 2026.
    • I am expecting 2026 insurance premiums to drop roughly 10% for many buildings.
  • Most Panama City Beach condominium buildings have already completed the required upgrades to elevators and fire-system electronics, even though it was well ahead of their originally anticipated end-of-life timelines.
  • Most Panama City Beach condominiums have navigated Florida’s new structural inspection and reserve requirements smoothly, with no major disruptions. However, a few properties have already grabbed headlines over large special assessments or compliance delays, and I anticipate one or two additional buildings will make news for similar reasons in the near future.
  • The broad impact of inflation.

Financial management among Panama City Beach condominium associations varies significantly. Some boards have shown excellent foresight and proactive stewardship, while others have historically been far less diligent.It’s also important to remember that boards turn over regularly—today’s board may be working hard to clean up or fund reserves neglected by decisions made years before they took office.

Condo Association Dues vs Special Assessments

Condo Association Dues

Ideally condo association dues should provide an accurate reflection of the expected annual expenses based on the previous year's outlays. These dues should encompass both regular annual costs and contributions to reserves. This should be guided by a precise and accurate Reserve Study. Any expenses beyond this scope should be covered by a special assessment. This approach enables both current and prospective owners to evaluate the anticipated costs associated with condo ownership.

Special Assessments

Special Assessments can be settled either as a single payment or spread out over time. By keeping these assessments distinct, it clearly differentiates between routine annual expenses and one-off costs.

Panama City Beach condos for sale, Panama City Beach Florida Condo Association Dues

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