Fox Lake
Homes for Sale in Panama City, FL

All 257 homes for sale in Panama City, FL · median $349,000 · 120 homes for sale in 32401 · Bay County homes for sale

Community in Panama City · Bay County · ZIP 32401
14 homesBuilt 1975–2023Median sale $250K
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True comps, carrying-cost math, and listings before the portals.

Live Market Pulse
28/100
Market Heat
Cooler than normal
2015 → 2026 · 85 at the 2021 peak
0 is Fox Lake's coldest market since 2015, 100 its hottest. Today: 28. How it's scored

Photo via CPAR MLS

Built fromLive CPAR MLS data13 years of closingsFL DOR public recordsUpdated twice daily

As of October 2026, Fox Lake in Panama City, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $250,000, a median 40 days on market, sellers accepting 98% of original asking (-12% versus the prior year). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $3,070 ($2,580 with the full homestead exemption).

Live · Fox Lake Housing Pulse CPAR MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$250K ▼
Median sold · 12 mo
down 12.3% vs the prior 12 months
-12.3% ▼
1-yr price change
n = 3 and 3 sales in the two windows
98.0%
Sale vs ask
Tempo
40days
Median DOM · closed
10 days at the 2019 low
50%
Under contract
Bay: 17% (528 of 3,043)
1 · 1
For sale · pending
live counts, refreshed twice daily
3
Sold · last 12 mo
10-yr average: about 4 a year
Ownership and context
38%
Owner-occupied · Fox Lake
6 of 16 parcels homesteaded (FL DOR 2025)
62%
Non-owner-occupied · Fox Lake
incl. 6% trust or LLC-held · 0% out-of-state
14
Homes in the community
plus 2 vacant residential lots · 16 residential parcels (FL DOR 2025)
Track record · 13 years of records
Est. 1975
Community established
homes built 1975-2023, median 2015 (FL DOR 2025)
21.4%/yr
Turnover rate
about 3 of 14 homes trade a year
Jon Brooks, founder of Momentum Realty
Jon's Current Read

Fox Lake's numbers come from a thin data set — just four closings in the current window — so treat the $260,000 median as a directional marker rather than a hard ceiling or floor. With that few sales, one unusual property can shift the median meaningfully in either direction. A median days-on-market just over 30 suggests homes here are not sitting stale, but they are also not evaporating in days; there is time for a buyer to look carefully before writing an offer.

No community amenities are identified from current MLS listings, which tells us pricing is being driven by the homes and lots themselves — condition, layout, and land — rather than by a shared clubhouse or pool. For a seller, that means presentation and pricing discipline matter more than marketing an amenity package. For a buyer, it means due diligence should focus on the property, not the community perimeter.

Fox Lake Housing Pulse · Momentum Research · as of September 20, 2026

Fox Lake right now

🔴 Off the recent peak. The trailing-12-month median ($250K) is down 12.3% from the prior 12 months ($285K). With about 4 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level CPAR MLS closed sales, 12-month windows ending September 20. Confidence: Low (3 and 3 sales in the two windows).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

· Updated October 2, 2026 · Live data: CPAR MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

Fox Lake market snapshot (as of September 20, 2026): the median sale price is about $250K, and a median 40 days on market for closed sales. The trailing-12-month median is down 12% from the prior 12 months, computed from record-level CPAR MLS closed sales (3 closings in the current window).

In ZIP 32401 (Panama City), 337 homes closed in the last 12 months at a median of $307K, up 0.5% year over year, with a median 62 days on market. Right now 166 active and 29 pending listings — a buyer's market. See the live ZIP 32401 housing market and the Bay County market.

Fox Lake is a community of 14 homes in Panama City, Bay County, built between 1975 and 2023 (median 2015.0), with a median living area of about 1,902 square feet. 38% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

Fox Lake in Panama City sits in a small-sample corner of the Bay County market, where a $260,000 median and a 31-day typical marketing period reflect a handful of recent transactions rather than a deep, continuously-refreshed pool of comparables.

Best for

  • A buyer prioritizing the house and land over shared community features
  • A buyer comfortable pricing off a limited set of recent comparable sales with guidance
  • A seller confident in their home's condition and ready to price it on its own merits

Probably not for

  • A buyer who wants a large, active pool of recent sales to benchmark against
  • A buyer specifically shopping for community amenities like a pool or clubhouse
  • A seller expecting the median price alone to set an aggressive asking price

Windows contain 0 to 8 sales each (3 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.

Median sale price · trailing 12 mo
$100K$200K$300K2014201620182020202220242026
Down 12.3% year over year.
Median days on market · closed sales
20402014201620182020202220242026
10 days at the 2019 low; 40 now.
Sale price vs original ask · median
95%100%2014201620182020202220242026
98.0% now.
Homes sold per 12-mo window
02582014201620182020202220242026
0 to 8 a year; 3 in the current window.
Market Heat · 0 coldest, 100 hottest in the record
20406080seller-leaningbuyer-leaning202020222026
85 at the 2021 peak, 28 in the troughs, 28 now. Same score as the hero card, full history.

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.

$2,121/mo
Bay County typical true cost to own
$161/mo
Bay County typical home insurance
Check CDD
Confirm before you offer

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.

How much local inventory is already under contract

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).

Fox Lake Market Scorecard

Balanced

Fox Lake is currently a balanced market., a median asking price of $405,000, and homes go under contract in about 92 days.

$405,000
Median list
$250,000
Median sold
92
Days on mkt
1/0/0
Active/Pend/Sold

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 Fox Lake, Panama City

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 13 listings
Distress share trend — 0.0% now (2026-09-14 → 2026-10-01)

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 Fox Lake

Live MLS inventory for Fox Lake. 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 Fox Lake 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.

If we were buying in Fox Lake today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Fox Lake.

Best Buy
A buyer or seller comfortable making decisions in a market with limited recent comparable sales.
Biggest Risk
A small closings sample means the median price and days-on-market can shift quickly as new sales are added.
Sweet Spot
Buyers focused on the property itself rather than a package of community features.
Avoid If
You need a deep pool of recent comparables to feel confident about pricing before you commit.

Reading a thin market correctly

When a community shows only four closings in the tracked window, every statistic attached to it carries a wider margin than it would in a higher-volume neighborhood. The $260,000 median is real, but it is an average of a small handful of outcomes — not a statistically stable trend line. Buyers and sellers should use it as a starting reference point for conversation, then lean on a direct comparison of recent, truly comparable sales rather than the median alone.

The median 31-day time-on-market is a similarly useful but limited signal. It suggests homes here aren't lingering for months, but with so few data points, one property that sold quickly — or one that took longer — can move that number noticeably. No amenities are listed against current inventory, so any value here is coming from the house and the lot, not from a shared feature set. That puts more weight on inspection, condition, and pricing strategy than it would in an amenity-driven community.

“

The location and the amenities are priced into every listing in Fox Lake. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty
5.1C · Buy Score
Recent Direction2.9/10
Owner Commitment3.8/10
Pricing Power8.7/10

Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (5.1). Basis: Recent Direction -12.3% year-over-year; Owner Commitment 38% owner-occupied; Pricing Power 98.0% sale-to-list. Refreshed with each data update.

Why work with Momentum here

In a low-volume market like Fox Lake, the median and days-on-market figures need context a spreadsheet can't provide. We pull the actual closed comparables behind the number, walk the property-level differences that are driving price, and help you decide whether the current data supports your offer or asking price — or whether it's too thin to lean on without a second opinion.

Fox Lake in 15 seconds.

Best forA buyer or seller comfortable making decisions in a market with limited recent comparable sales.
Biggest advantageThe lack of shared amenities means value is tied directly to the home and lot, not a community fee structure.
Biggest riskA small closings sample means the median price and days-on-market can shift quickly as new sales are added.
Sweet spotBuyers focused on the property itself rather than a package of community features.
Avoid ifYou need a deep pool of recent comparables to feel confident about pricing before you commit.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Fox Lake homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Fox Lake.
In short
  • 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.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Fox Lake sales matched to your home.

What is your Fox Lake home worth?

Get a no-obligation home value based on real comparable sales in Fox Lake, 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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Real comps, not an automated estimate.

Recently off market in Fox Lake

Homes in Fox Lake 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.

Frequently Asked Questions

What is the median home price in Fox Lake?
The median sale price in Fox Lake was $250K over the 12 months ending September 20, 2026 (3 closed sales, CPAR MLS).
How long do homes in Fox Lake take to sell?
Homes that closed in the 12 months ending September 20, 2026 took a median 40 days on market (3 sales, CPAR MLS).
How many homes are in Fox Lake?
The Florida DOR 2025 assessment roll shows 14 homes plus 2 vacant residential lots in Fox Lake (public records).
What share of Fox Lake is owner-occupied?
38% of Fox Lake parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Fox Lake built?
Homes in Fox Lake were built between 1975 and 2023, with a median year built of 2015.0 (FL DOR 2025 roll).
Who is the best real estate agent for Fox Lake?
The best agent for Fox Lake is one who actively works Panama City and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Fox Lake.
How do I find a top Panama City real estate agent who knows Fox Lake?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Fox Lake and the wider Panama City area.
Can Momentum Realty connect me with an agent for Fox Lake?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Fox Lake purchase or sale - no call center and no pressure.
Where is Fox Lake, and what county is it in?
Fox Lake is in Panama City, Bay County, FL, ZIP codes 32401, 32404. The community's center is about 3 miles north of the center of Panama City (straight-line).
A buyer prioritizing the house and land over shared community featuresExcellent fit
A buyer comfortable pricing off a limited set of recent comparable sales with guidanceExcellent fit
A seller confident in their home's condition and ready to price it on its own meritsExcellent fit
A buyer who wants a large, active pool of recent sales to benchmark againstProbably not
A buyer specifically shopping for community amenities like a pool or clubhouseProbably not
A seller expecting the median price alone to set an aggressive asking priceProbably not

Data sources & freshness

Live listingsCPAR MLS, refreshed twice daily (last: October 1, 2026)
Community market statsCPAR MLS closed sales, 12-month windows ending September 20, 2026
Housing stock & ownershipFlorida DOR assessment roll (street-list match (1 streets, ZIP 32401/32404))
Under-contract sharesCPAR MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2013 (56 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.

Looking to buy here? Search homes for sale →

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CallFree valuation →
Thinking of selling in Fox Lake? 3 recorded closings; median 40 days on market (window ending 2026-09-20). See the Bay County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.

More on Fox Lake

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Explore more neighborhoods near Fox Lake with Momentum Realty’s local guides.

Waters Edge (Bay)0.1 mi awayPine Woods0.3 mi away · 272 homes, built 1955–20, 2 for saleCallaway Homes0.3 mi awayCallaway Southeast0.3 mi away · median $246K, 3 sales/12 moImperial Oaks (Bay)0.3 mi awayPinewood Dev0.4 mi away · 1 for saleCallaway0.4 mi away · median $210K, 21 sales/12 moPine Woods0.4 mi away · 1 for sale

Browse all neighborhood guides →

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