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Is the water temperature in Panama City Florida warm enough to swim in in late March?

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Is the water temperature in Panama City Florida warm enough to swim in in late March?

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  1. It may be for you. I find it still chilly. This has been a long winter in the south this year. It's been colder then usually and I would have to say that the water will still be a bit nippy. If you can deal with that then your OK.

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