Bay Point Harbour Villas
Condos for Sale in Panama City Beach, FL

Bay Point Harbour Villas market snapshot (as of September 20, 2026): the median sale price is about $252K, and a median 126 days on market for closed sales. The trailing-12-month median is down 1% from the prior 12 months and up 197% since 2012, computed from record-level CPAR MLS closed sales (8 closings in the current window).

In ZIP 32407 (Panama City Beach), 1,458 homes closed in the last 12 months at a median of $398K ($183/sq ft), down 1.6% year over year, with a median 80 days on market. Right now 1,101 active and 151 pending listings put supply at about 6.7 months — a buyer's market. See the live ZIP 32407 housing market and the Bay County market.

CPAR sales records identify 16 homes in Bay Point Harbour Villas that have changed hands since 2023, built between 1974 and 1981 (median 1981), with a median living area of about 900 sq ft and a typical 1-bedroom, 1-bath layout; 100% are condominiums. Source: CPAR closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.

Bay Point Harbour Villas is a smaller-volume market in Panama City Beach, Bay County, where price movement has been modest year over year but the longer-run trend since 2012 shows substantial cumulative gain.

The math here is straightforward: a 2.4% year-over-year change is essentially flat, which means this is not a market where recent momentum is doing the selling for you. What stands out instead is the cumulative change since 2012 — a 160% increase over that stretch — which speaks to a long runway of appreciation rather than a recent spike. Buyers should read that as evidence of durability over time, not a signal about what happens next month.

Median days on market running just over 80 is the number that shapes strategy. Listings that are priced and presented well can still move, but this is not a market where overpricing gets forgiven by a bidding war. Current MLS data does not identify specific community amenities, so buyers evaluating this villa community should confirm any shared features directly rather than assuming a standard package.

In a lower-volume market like this one, pricing a listing or evaluating an offer requires pulling the right comparables rather than leaning on a broad area trend. We work from the closings that actually exist here, not an inflated read of what a handful of sales implies, and we tell clients plainly when the data is too thin to support an aggressive number.

Listings in this community report association dues of about $345 per month ($4,140 a year) — the median AssociationFee across 112 MLS records, normalised to a monthly figure; most are billed quarterly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.