Deerpoint Estates
Homes for Sale in Panama City, FL
All 257 homes for sale in Panama City, FL · median $349,000 · 302 homes for sale in 32404 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of October 2026, Deerpoint Estates in Panama City, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 5 recorded sales closed at a median of $420,000, a median 87 days on market, sellers accepting 90% of original asking. At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $5,160 ($4,670 with the full homestead exemption).
| Location | Panama City, Bay County, FL · ZIP 32404, 32409, 32444 |
|---|---|
| Homes in the community | 24 (FL DOR 2025 assessment roll) |
| Years built | 1976–2021 (median 1987.5) |
| Typical living area | 2,294 sq ft (median) |
| Sale prices, last 12 months | $420,000 median across 5 closed sales |
| Days on market (closed sales) | 87 median |
| For sale right now | 1 active, 1 pending · median asking $579,000 |
| Owner-occupied (homestead) share | 74% |
Data as of September 20, 2026. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Deerpoint Estates key facts,” movewithmomentum.com/neighborhoods/deerpoint-estates, data as of September 20, 2026.
Deerpoint Estates sits at a median price of $380,000 across 162 homes, but the number that actually shapes negotiations here is the median 130 days on market. That is a slow clock by any measure, and it tells you this is not a community where sellers can lean on urgency. Pricing has to be right at listing, or the home sits.
The spread in construction years, 1969 through 2024, means condition and update level do more to set value here than square footage or lot position. With a median living area over 2,600 square feet and a median build year of 1995, buyers are mostly evaluating established homes, some original, some substantially renovated, and the gap between those two conditions is where the real price negotiation happens.
The 60-Second Overview
Deerpoint Estates market snapshot (as of September 20, 2026): the median sale price is about $420K, and a median 87 days on market for closed sales.
In ZIP 32404 (Panama City), 1,060 homes closed in the last 12 months at a median of $290K, down 3.3% year over year, with a median 58 days on market. Right now 391 active and 146 pending listings — a balanced market. See the live ZIP 32404 housing market and the Bay County market.
Deerpoint Estates is a community of 24 homes in Panama City, Bay County, built between 1976 and 2021 (median 1987.5), with a median living area of about 2,294 square feet. 74% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Deerpoint Estates is a Panama City community of 162 homes with a median size just over 2,600 square feet, built out gradually from 1969 to 2024 rather than in a single development phase, which gives the housing stock more variation in age and condition than a typical planned subdivision.
Who Deerpoint Estates is best for.
Best for
- Buyers targeting a primary residence with more living space, given the median size runs over 2,600 square feet.
- Buyers comfortable evaluating homes across a wide condition range, from original 1969-era construction to homes built as recently as 2024.
- Buyers with flexible timelines who can negotiate patiently in a market with a 130-day median days-on-market.
Probably not for
- Buyers who want a community with organized shared amenities, none are currently identified in MLS listings here.
- Buyers who need a fast close, the slow days-on-market cuts both ways at resale.
- Investors seeking a rental-heavy pocket, the 77.4% homestead share points to a market of primary residences.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level CPAR MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($420K) IS the median in the snapshot above.
Windows contain 0 to 8 sales each (5 in the current window); every figure carries its sample size, and thin markets swing on single closings. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Bay County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Bay County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
24% of homes for sale in ZIP 32404 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-02).
Deerpoint Estates Market Scorecard
Deerpoint Estates is currently a balanced market., a median asking price of $579,000, and homes go under contract in about 87 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: CPAR MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Deerpoint Estates, Panama City
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
Homes For Sale Right Now in Deerpoint Estates
Live MLS inventory for Deerpoint Estates. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Deerpoint Estates listings as of 2026-10-01, priced high to low. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Tap any home to ask about it.
Every Home for Sale in Deerpoint Estates Right Now (2)
All 2 active and pending Deerpoint Estates listings with a detail page, newest first, refreshed twice a day from the MLS.
- 4514 Crestbrook Drive, Panama City, Fl 32404 · $380,000 · 3 bd / 2 ba · pending · listed Aug 26, 2026 · listed by Avenue Realty
- 4403 Bluewater Drive, Panama City, Fl 32404 · $579,000 · 3 bd / 3 ba · listed Jul 3, 2026 · listed by Beachy Beach Real Estate
The Deerpoint Estates buying strategy.
If we were buying in Deerpoint Estates today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Deerpoint Estates.
A market that rewards patience and pricing discipline
A median of 130 days on market is the defining fact of this community right now. That is not a distressed number, but it is long enough that overpricing gets punished quickly and sitting inventory becomes visible to every buyer touring the area. Sellers who price to the current market from day one tend to do better than those who test a higher number and adjust later.
The homestead share of 77.4% is worth noting for context: a large majority of homes here carry a homestead exemption, meaning most owners have treated these as primary residences rather than rental or investment holdings. Combined with the wide year-built range, that points to a community of long-held, lived-in homes rather than a fast-turnover rental pocket. No community amenities are identified in current MLS listings, so the appeal here is the homes and the lot sizes that come with a mid-1990s median build era, not a clubhouse or shared recreation package.
The location and the amenities are priced into every listing in Deerpoint Estates. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market carrying a 130-day median days-on-market, pricing strategy and condition presentation matter more than they would in a faster-moving community. We track how homes of similar age and square footage are actually closing here, not just listing, so sellers price to move and buyers know when a longer time on market signals a negotiation opening rather than a problem with the home.
Deerpoint Estates in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Deerpoint Estates buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Deerpoint Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Deerpoint Estates, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Deerpoint Estates home worth?
Get a no-obligation home value based on real comparable sales in Deerpoint Estates, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Recently off market in Deerpoint Estates
Homes in Deerpoint Estates that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 7248 W Lakeland Drive · off market
Frequently Asked Questions
What is the median home price in Deerpoint Estates?
How long do homes in Deerpoint Estates take to sell?
How many homes are in Deerpoint Estates?
What share of Deerpoint Estates is owner-occupied?
When were the homes in Deerpoint Estates built?
Who is the best real estate agent for Deerpoint Estates?
How do I find a top Panama City real estate agent who knows Deerpoint Estates?
Can Momentum Realty connect me with an agent for Deerpoint Estates?
Where is Deerpoint Estates, and what county is it in?
Is Deerpoint Estates a good place to live?
Should you buy in Deerpoint Estates?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: October 1, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32404/32409/32444)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (65 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of CPAR MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the CPAR MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Deerpoint Estates fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Deerpoint Estates
- Home values · What homes in Deerpoint Estates actually sell for
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