Biltmore Beach
Homes for Sale in Panama City Beach, FL

Biltmore Beach market snapshot (as of September 20, 2026): the median sale price is about $395K, and a median 85 days on market for closed sales. The trailing-12-month median is down 9% from the prior 12 months and up 243% since 2012, computed from record-level CPAR MLS closed sales (23 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.

County records show 77 qualified sales in Biltmore Beach across 2024–2025 (49 in 2024, 28 in 2025), median $465,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

Flood zones in Biltmore Beach: of 16 listing addresses checked against the FEMA National Flood Hazard Layer, 69% sit outside the FEMA Special Flood Hazard Area (Zone X); 31% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary — verify any specific address at msc.fema.gov. See flood zones by neighborhood in Panama City Beach.

Biltmore Beach is a community of 1,109 homes in Panama City Beach, Bay County, built between 1935 and 2024 (median 1989), with a median living area of about 1,592 square feet. 29% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

Biltmore Beach is a sizable, long-established coastal pocket of Panama City Beach — nearly 2,000 homes spanning almost nine decades of construction — where the story is variety and condition, not a uniform product type.

The defining fact here is the build range: 1935 to 2024. That kind of spread means the inventory is genuinely mixed — original older cottages alongside newer construction — and it explains why the median price is best read as a midpoint of very different homes rather than a going rate. When you shop Biltmore Beach, you are buying a specific house on a specific lot, and your diligence should focus on age, systems, and updates.

A homestead share of about 37% tells you a meaningful portion of these homes are not primary residences, which is consistent with a beach-adjacent Panama City Beach location. Longer-term, prices are up 278% since 2012, but the recent 17.6% year-over-year decline is the number that matters for anyone transacting now. No community amenities were identified from current MLS listings, so value here comes from location and the individual property, not shared facilities.

A market with a nine-decade build range and a soft, slow-moving price trend rewards someone who reads each property on its own terms. We help buyers separate a well-updated home from an aging one that only looks comparable on paper, and we help sellers price to condition realistically in a market where the median home sits for roughly 105 days. In a 10-out-of-100 heat environment, precise pricing and honest expectations do more than optimism.

Listings in this community report association dues of about $130 per month ($1,560 a year) — the median AssociationFee across 17 MLS records, normalised to a monthly figure; most are billed monthly. 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.