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Homes for Sale in Panama City Beach, FL

By , Co-Founder, Momentum Realty · Updated October 20, 2026

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731 homes are for sale in Panama City Beach, FL as of 2026-10-20, with 240 more under contract. The median list price is $365,000, most homes list between $219K to $675K, and the median listing has been on the market 95 days. That is 1 houses, 694 condos and 1 townhouses. 130 homes came on the market this week.

Panama City Beach, FL key facts
LocationBay County, FL
ZIP codes with their own page3
For sale right now731 active, 240 under contract
Asking prices$365,000, median · most homes $219K–$675K
Median days on market (active listings)95
Property types for sale1 houses, 694 condos, 1 townhouses
New listings this week130

Listing counts and prices as of 2026-10-20; MLS data, refreshed nightly. Market figures describe homes, not residents. Cite as: Momentum Realty, “Panama City Beach, FL key facts,” movewithmomentum.com/homes-for-sale/panama-city-beach-fl/, data as of 2026-10-20.

731
Homes for sale
$365,000
Median list price
$219K to $675K
Typical range
95
Median days on market
130
New this week
240
Under contract
$2,505
Est. monthly cost at median

Newest homes for sale in Panama City Beach

The most recently listed homes in Panama City Beach, newest first, with photos. Each card opens the full listing with every photo, the community’s sales history and a tour request. Homes marked New listed in the last seven days.

10611 Front Beach Road 1303, home for sale in Panama City Beach
$999,900 New
4 bd · 4 ba · built 2006
10611 Front Beach Road 1303, 32407
Ocean Ritz
Listing courtesy of Scenic Sotheby's International Realty
15817 Front Beach Road 2-1701, home for sale in Panama City Beach
$899,500 New
2 bd · 2 ba · built 2006
15817 Front Beach Road 2-1701, 32413
Calypso Towers
Listing courtesy of Beach Time Realty, Inc
10719 Front Beach Road 205, Panama City Beach, FL 32407, home for sale in Panama City Beach
$899,000 New
4 bd · 3 ba · built 2004
10719 Front Beach Road 205, Panama City Beach, FL 32407, 32407
Marisol Condo
Listing courtesy of Counts Real Estate Group Inc
5004 Thomas Drive 1712, home for sale in Panama City Beach
$869,000 New
3 bd · 2 ba · built 2005
5004 Thomas Drive 1712, 32408
Treasure Island Resort
Listing courtesy of Legacy Premier Agency
8601 Surf Drive 12W, home for sale in Panama City Beach
$825,000 New
3 bd · 2 ba · built 2000
8601 Surf Drive 12W, 32408
Grande Surf Club Condo
Listing courtesy of Hilltop Legacy Realty
11347 Front Beach Road 1103, home for sale in Panama City Beach
$775,000 New
3 bd · 3 ba · built 1990
11347 Front Beach Road 1103, 32407
Edgewater Beach
Listing courtesy of Miller & Associates Realty
11619 Front Beach Road # 303, home for sale in Panama City Beach
$675,000 New
3 bd · 3 ba · built 1985
11619 Front Beach Road # 303, 32407
Edgewater Tower
Listing courtesy of Anchor Realty Florida
17643 Front Beach Road 1701, home for sale in Panama City Beach
$650,000 New
2 bd · 2 ba · built 2009
17643 Front Beach Road 1701, 32413
Tropic Winds
Listing courtesy of Beycome of Florida LLC
2120 Wild Heron Way 201, Panama City Beach, FL 32413, home for sale in Panama City Beach
$649,000 New
3 bd · 2 ba · built 2006
2120 Wild Heron Way 201, Panama City Beach, FL 32413, 32413
Wild Heron
Listing courtesy of Watersound Real Estate
15928 Front Beach Road 3-907, home for sale in Panama City Beach
$625,000 New
3 bd · 2 ba · built 2020
15928 Front Beach Road 3-907, 32413
Calypso Towers
Listing courtesy of Better Homes and Gardens Coast Properties
4425 Thomas Drive 309T, home for sale in Panama City Beach
$595,000 New
2 bd · 3 ba · built 1981
4425 Thomas Drive 309T, 32408
Moonspinner Apartments
Listing courtesy of Counts Real Estate Group Inc
11619 Front Beach Road 708, home for sale in Panama City Beach
$575,000 New
2 bd · 2 ba · built 1985
11619 Front Beach Road 708, 32407
Edgewater Tower
Listing courtesy of Foundation Real Estate Agency LLC
11619 Front Beach Road 402, home for sale in Panama City Beach
$560,000 New
2 bd · 2 ba · built 1985
11619 Front Beach Road 402, 32407
Panama City Beach
Listing courtesy of Berkshire Hathaway HomeServices Beach Properties of Florida
17757 Front Beach Road 2302B, home for sale in Panama City Beach
$549,000 New
2 bd · 2 ba · built 2004
17757 Front Beach Road 2302B, 32413
Celadon Beach
Listing courtesy of REMAX By The Sea
16819 Front Beach Road 1200, Panama City Beach, FL 32413, home for sale in Panama City Beach
$539,900 New
2 bd · 2 ba · built 2007
16819 Front Beach Road 1200, Panama City Beach, FL 32413, 32413
Tidewater Beach
Listing courtesy of Emerald Seascapes Properties LLC
15928 Front Beach Road 3-302, home for sale in Panama City Beach
$525,000 New
3 bd · 2 ba · built 2020
15928 Front Beach Road 3-302, 32413
Calypso Towers
Listing courtesy of Better Homes and Gardens Coast Properties
14825 Front Beach Road 2204, home for sale in Panama City Beach
$524,900 New
2 bd · 2 ba · built 2005
14825 Front Beach Road 2204, 32413
Sunrise Beach
Listing courtesy of CENTURY 21 AllPoints Realty
9860 S Thomas Drive 2124, home for sale in Panama City Beach
$469,900 New
3 bd · 2 ba · built 2008
9860 S Thomas Drive 2124, 32408
Laketown Wharf
Listing courtesy of Simply South Realty
10519 Front Beach Road 1004B, Panama City Beach, FL 32407, home for sale in Panama City Beach
$469,000 New
2 bd · 2 ba · built 2004
10519 Front Beach Road 1004B, Panama City Beach, FL 32407, 32407
Twin Palms Resort
Listing courtesy of RE Florida Homes
5115 Gulf Drive 1708, Panama City Beach, FL 32408, home for sale in Panama City Beach
$465,000 New
1 bd · 2 ba · built 2006
5115 Gulf Drive 1708, Panama City Beach, FL 32408, 32408
Seychelles Resort Condominium
Listing courtesy of Savvy Avenue LLC
5801 Thomas Drive 704, home for sale in Panama City Beach
$459,500 New
3 bd · 2 ba · built 1982
5801 Thomas Drive 704, 32408
Panama City Beach
Listing courtesy of EXP Realty LLC
15100 Front Beach Road 419/421, Panama City Beach, FL 32413, home for sale in Panama City Beach
$444,000 New
2 bd · 2 ba · built 2007
15100 Front Beach Road 419/421, Panama City Beach, FL 32413, 32413
Origin At Seahaven
Listing courtesy of LPT Realty LLC
9860 S Thomas Drive 1406, home for sale in Panama City Beach
$434,900 New
2 bd · 2 ba · built 2008
9860 S Thomas Drive 1406, 32408
Laketown Wharf
Listing courtesy of Keller Williams Success Realty
16819 Front Beach Road 1715, Panama City Beach, FL 32413, home for sale in Panama City Beach
$430,000 New
1 bd · 2 ba · built 2007
16819 Front Beach Road 1715, Panama City Beach, FL 32413, 32413
Tidewater Beach
Listing courtesy of Rev Realty Florida, LLC

Panama City Beach homes for sale by price

Every active listing in Panama City Beach grouped by price, with the newest listings in each band. The median is $365,000; the busiest band is $200K – $300K.

Under $200K: 54 homes

$200K – $300K: 190 homes

$300K – $400K: 167 homes

$400K – $500K: 106 homes

$500K – $750K: 162 homes

$750K – $1M: 42 homes

$1M and up: 10 homes

Every home for sale in Panama City Beach right now (731)

All 731 active Panama City Beach listings with a detail page, newest first, refreshed twice a day from the MLS.

Showing the newest 150 of 731; the price bands above and the map cover the rest.

Homes for sale in Panama City Beach by ZIP code

Where the inventory is: active listings and the median asking price by ZIP. ZIPs link to their housing scorecard.

ZIPHomes for saleMedian list price
32413317$399,999
32408216$329,000
32407197$425,000
324611$4.75M

Panama City Beach communities with the most homes for sale

The Panama City Beach neighborhoods and subdivisions with active listings, the median asking price in each, and what homes there actually sold for over the last 12 months. Community names open the community guide with live inventory, sales history, HOA and schools.

CommunityFor saleMedian listMedian sold (12 mo)Days on market
Latitude At Watersound54$596,354——
Gulf Highlands Beach Resort42$299,000——
Calypso Towers40$638,500——
Laketown Wharf39$319,900——
Edgewater Tower38$557,000——
Shores Of Panama36$332,450——
Origin At Seahaven31$308,900——
Breakfast Point East26$551,082——
Tidewater Beach24$467,500——
Bay Point21$799,000——
Edgewater Golf Villas19$289,000——
Island Reserve19$277,000——
Colonial Landing18$368,761——
Venture Out Travel Trail18$389,500——
Laguna Beach17$1.10M——
Grand Panama Beach Resort16$574,500——
Breakfast Point15$589,900——
Endless Summer15$225,000——
Majestic Beach Tower15$465,500——
Pinnacle Port15$369,900——
Margaritaville Cottages14$1.41M——
Fontainebleau Terrace14$169,500——
Horizon South14$262,500——
Sunbird Condo14$312,500——
Aqua13$734,000——
Bayside At Ward Creek13$459,900——
Inlet Beach Heights13$619,900——
Salt Grass At Ward Creek12$637,339——
Tapestry Park12$695,000——
Boardwalk Central12$377,500——

What is for sale in Panama City Beach: property types

Another 651 listings in Panama City Beach are land, commercial or other non-residential property and are not counted above.

Browse by type: Condos for sale in Panama City Beach (694) · Manufactured and Mobile Homes for sale in Panama City Beach (35).

What a home in Panama City Beach costs to own

Take the median $365,000 listing with 20% down at today’s 7.40% 30-year rate: principal and interest run about $2,022/month. Bay County’s typical millage of 12.28 puts property tax near $3,867/year after the $50,000 homestead exemption — and that is the reset bill a buyer pays, not the seller’s capped one. Citizens’ average premium in Bay County is about $1,928/year; newer roofs and inland addresses usually quote below it. All in, plan on roughly $2,505/month plus any HOA or CDD assessment.

Communities buyers are searching in Panama City Beach. The Panama City Beach community pages people are opening from Google right now: Waterfall · Regency Towers.

Explore Panama City Beach

Homes for sale near Panama City Beach

Recently off market in Panama City Beach

Homes in Panama City Beach that left the market most recently, with their last list price and a public-record page for each address. Off-market pages keep the community, tax and sales-history context after a listing closes or expires.

Panama City Beach guides & data

Everything we publish about Panama City Beach: live listings by type, prices and market data, taxes, insurance and what it costs to live here.

Common questions

How many homes are for sale in Panama City Beach, FL?
As of 2026-10-20, Momentum's MLS record shows 731 residential homes actively listed for sale in Panama City Beach and 240 under contract. 130 of them came on the market in the last 7 days.
What is the median home price in Panama City Beach?
The median list price of homes for sale in Panama City Beach is $365,000. Ten percent of listings are under $219K and ten percent are above $675K.
How long do homes take to sell in Panama City Beach?
Homes currently listed have been on the market a median of 95 days.
What does a $365,000 home in Panama City Beach cost per month?
Roughly $2,505 a month with 20% down at 7.40%: principal and interest of $2,022, Bay County property tax of about $322/month after the $50,000 homestead exemption, and insurance near $161/month at the Citizens county average. HOA or CDD fees, where they apply, come on top.
Which Panama City Beach neighborhoods have the most homes for sale?
The communities with the most active listings right now are Latitude At Watersound (54), Gulf Highlands Beach Resort (42), Calypso Towers (40), Laketown Wharf (39), Edgewater Tower (38). Each community page carries its own sales history, live inventory and schools.
How do I see a home for sale in Panama City Beach?
Every listing on this page opens a full page with all photos, the community's data and a tour request. A Momentum agent who works Panama City Beach can show any home here, whether it is our listing or another brokerage's, at no cost to a buyer. Call (904) 351-6461 or use the form below.
Where is Panama City Beach, FL, and what county is it in?
Panama City Beach is in Bay County, Florida. Homes for sale there today carry the ZIP codes 32413, 32408, 32407, 32461. Nearby cities in the same county with homes for sale: Panama City, Mexico Beach.
What ZIP codes are in Panama City Beach, FL?
Listings in Panama City Beach are currently in 4 ZIP codes: 32413, 32408, 32407, 32461. The ZIP table above shows how many homes are for sale in each and the median asking price.
How many houses are for sale in Panama City Beach, FL?
1 single-family houses are for sale in Panama City Beach today, out of 731 total listings (694 condos, 1 townhouses). The property-type section above breaks the inventory down, and each card opens the full listing.
How do I buy a house in Panama City Beach, FL?
Start with the numbers: 731 homes are for sale in Panama City Beach today at a median asking price of $365,000, so a 20% down payment on the median home is about $73,000 and principal and interest run near $2,022/month at today's 7.40% 30-year rate. Get pre-approved first, sign a written buyer agreement with your agent (required before touring since August 2024), then search by price band, ZIP or community above. Our Florida buyer closing-cost calculator itemizes the cash to close, and the Florida first-time buyer guide covers programs and down-payment help.
What county is Panama City Beach in?
Panama City Beach is in Bay County, Florida. Bay County's 12-month median sale price is $372K on 12 closings. Property tax, school zoning and permitting for Panama City Beach run through Bay County.
Is Panama City Beach a good place to live?
That depends on your budget, commute and the kind of home you want, so here is what the housing data says about Panama City Beach: the median sale price over the last 12 months was $425K across 18 closings (-0.7% year over year), 14% above the Bay County median of $372K; homes took a median 76 days to go under contract; 5 homes are for sale today, 6.7 months of supply at the current pace, which favors buyers; new construction was 23% of sales; the communities with the most sales are Latitude At Watersound, Bayside At Ward Creek, Breakfast Point East, Gulf Highlands Beach Resort. The market tracker, price bands and community pages on this site carry the full numbers.
Is Panama City Beach in a flood zone?
Partly. Across 300 homes sampled in Panama City Beach's largest communities, about 68% sit outside a FEMA Special Flood Hazard Area (Zone X) and about 32% are inside one (Zone A or AE), where a lender requires flood insurance. Flood zones are drawn parcel by parcel, so check the exact address on FEMA's flood map; each community page here shows its own mix.

Listings, counts and prices are from Momentum Realty’s MLS record of active residential listings in Panama City Beach as of 2026-10-20 and refresh as homes list and sell. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. The data relating to real estate for sale on this page comes in part from the Internet Data Exchange (IDX) program of the MLS(s) named above; listings held by brokerages other than Momentum Realty are marked with the listing brokerage’s name. Information is deemed reliable but not guaranteed. Estimates are not guarantees. Equal Housing Opportunity.

More communities in Panama City Beach

Crown Point · Hearns · Laguna Beach Ammended · Suntime Beach U · Tidewater Creek

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