Panama City Beach Realtor
Kinsey Haddock P.A.
Panama City Beach REALTOR®
Panama City Beach's vacation-home and investment property specialist — representing buyers and sellers with local expertise and honest guidance.
Who Is Kinsey Haddock?
If you're buying or selling in Panama City Beach, Kinsey Haddock P.A. represents your interests — not the seller's, not the developer's. He's a Florida Broker Associate with Coldwell Banker Realty (license BK3253849) with deep knowledge of the condo-hotel and non-warrantable buildings that make up a significant share of the PCB market: which buildings cash-flow, which carry financing restrictions, and which have reserve or assessment issues worth knowing before you make an offer.
Kinsey Haddock P.A. is a licensed Florida Broker Associate and Realtor® with Coldwell Banker Realty — Panhandle. He represents local and out-of-state buyers and sellers across the Emerald Coast and the Forgotten Coast, with deep market knowledge in Panama City Beach.
Many clients purchase second homes or vacation rentals remotely, while local clients rely on the same attentive guidance for a primary-home purchase or sale. Kinsey's job is to protect your interests and help you make the best decision for your goals.
Contact KinseyPanama City Beach specialties
Credentials & proof
License
Florida #BK3253849
Brokerage
Coldwell Banker Realty — Panhandle
Office address
726 Navy Blvd, Panama City Beach, FL 32408Markets served
From the Forgotten Coast to the Emerald Coast
St. George Island · Cape San Blas · Port St. Joe · Mexico Beach · Panama City · Panama City Beach · 30A · Destin
Client reviews
Get in touch
Contact pageWhat Kinsey Does in Panama City Beach
Buyer Representation
Full-service buyer representation from search through closing. I handle negotiations, inspections, condo doc review, and closing coordination so you don't miss anything.
Read more →Vacation Rental Analysis
Before you make an offer, I run the rental income numbers — actual comparable rental history, not management company projections. You'll know what the property can realistically earn.
Read more →Condo Due Diligence
Reserve study review, HOA budget analysis, pending special assessment check, STR policy verification, and building health assessment — all before you're committed.
Seller Representation
Strategic pricing, professional marketing, and negotiation expertise for PCB sellers. I know which buyers are active in this market and how to position your property.
Read more →Panama City Beach Market Knowledge
Condo-Hotel vs. Standard Condo
I know which PCB buildings are classified as condo-hotels (non-warrantable) and which qualify for conventional financing — critical knowledge before you make an offer.
Rental Income Reality
I've seen the actual rental histories on dozens of PCB properties. I can tell you which buildings perform and which ones underperform the projections.
HOA Health Assessment
Post-Surfside, reserve funding matters more than ever. I review reserve studies and budgets on every condo purchase to flag underfunded associations before closing.
Flood & Insurance Costs
Insurance is the number that surprises buyers most. I run insurance estimates early in every transaction so there are no sticker-shock surprises at closing.
Why Buyers Work With Kinsey in Panama City Beach
Building-level knowledge: which condos actually cash-flow
Not every PCB condo is created equal. Some buildings have HOA rental restrictions that limit income potential. Others have deferred maintenance, special assessments pending, or management companies that underperform. Kinsey has done the homework on which buildings consistently produce strong rental income — and shares that knowledge before you make an offer.
Condo-hotel, warrantable, and financing flags
PCB has a significant number of condo-hotel and non-warrantable buildings where conventional financing isn't available. Buyers who don't discover this until they're under contract face a financing crisis. Kinsey identifies these buildings before you make an offer — so your financing strategy is set from the start.
Reserve fund and milestone inspection review
An underfunded reserve fund means future special assessments — sometimes six figures. Florida law now requires milestone structural inspections for buildings 3+ stories and 30+ years old. Kinsey reviews reserve studies and milestone inspection status on every condo purchase before you're under contract.
Built for out-of-state buyers and remote closings
Many PCB buyers purchase entirely remotely. Kinsey walks properties on your behalf, checks building conditions, reviews HOA financials, and reports back honestly — even when the answer is "this one isn't worth flying down for." Florida title companies routinely handle remote closings so you can close from your home state.
Market snapshot
Panama City Beach Market Snapshot
Bay County · ZIPs 32407, 32408, 32413 · Updated September 2026
Median Sale Price
$417,083
All property types
Days to Pending
72
Days to contract
Active Listings
2,120
Current inventory
Sale-to-List Ratio
96.2%
Avg. accepted offer
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What Buyers Say
"Kinsey helped us find our vacation rental condo in PCB. He was upfront about the rental income projections and helped us avoid a building with HOA issues. Closed without a single surprise."
— Chris & Amy B., Tennessee
"We were out-of-state buyers and Kinsey made the whole process feel manageable. He knew every building we looked at and gave us honest assessments, not just sales pitches."
— Robert K., Georgia
"Kinsey sold our PCB condo quickly and at a great price. His pricing strategy was spot-on and the marketing was excellent. Highly recommend."
— Sarah M., Alabama
Free downloads
Guides for Buyers & Sellers
CB — Buyers Agent Reference Guide
What buyer representation actually means — fiduciary duties, agency agreements, compensation, and what sets a professional buyer's agent apart.
Download PDFConsidering Selling to Just Listed
Every stage of the listing journey — pricing strategy, preparing your home, what to expect from the listing process, and how Kinsey positions your property for maximum exposure.
Download PDFThinking of listing?
Considering Selling to Just Listed
Every stage of the listing journey — pricing strategy, preparing your home, and how Kinsey positions your property for maximum exposure on the Emerald Coast.
Read the guideMy Listing Presentation — Kinsey Haddock P.A.
Kinsey's full seller strategy: marketing plan, pricing approach, 8-step listing process, and the credentials behind more than fifteen years and $50M+ in closed volume.
View the presentationReady to Buy or Sell in Panama City Beach?
Call, email, or reach out through the contact page. No pressure, no obligation.
Or send a message to get started.
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Thinking of selling?
Kinsey also represents sellers in Panama City Beach
Local pricing strategy, professional photography, and full listing management.