Gulf Vista
Homes for Sale in Panama City Beach, FL
All 791 homes for sale in Panama City Beach, FL · median $369,900 · 654 homes for sale in 32413 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via CPAR MLS
As of September 2026, Gulf Vista in Panama City Beach, FL has 4 homes for sale. Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $679,500, a median 94 days on market, sellers accepting 95% of original asking (+4% versus the prior year). Homes listed or recently sold were built 1983–2021; none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 20 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $8,340 ($7,860 with the full homestead exemption).
| Location | Panama City Beach, Bay County, FL · ZIP 32413 |
|---|---|
| Homes in the community | 249 (FL DOR 2025 assessment roll) |
| Years built | 1940–2024 (median 1995.0) |
| Typical living area | 2,120 sq ft (median) |
| Home types (current listings and sales) | singlefamilyresidence 60%, attached 20%, duplexes 20% |
| Sale prices, last 12 months | $679,500 median across 4 closed sales · +4.5% vs the prior 12 months |
| Days on market (closed sales) | 94 median |
| For sale right now | 4 active, 1 pending · median asking $687,450 |
| Owner-occupied (homestead) share | 48% |
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, “Gulf Vista key facts,” movewithmomentum.com/neighborhoods/gulf-vista, data as of September 20, 2026.
Homes For Sale Right Now in Gulf Vista
Live MLS inventory for Gulf Vista. 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 Gulf Vista listings as of 2026-09-26, 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 Gulf Vista Right Now (5)
All 5 active and pending Gulf Vista listings with a detail page, newest first, refreshed twice a day from the MLS.
- 167 Downing Street, Panama City Beach, Fl 32413 · $2,450,000 · 4 bd / 5 ba · listed Aug 8, 2026 · listed by Watersound Real Estate
- 21104 S Lakeview Drive, Panama City Beach, Fl 32413 · $674,900 · 4 bd / 2 ba · listed Jun 27, 2026 · listed by The Premier Property Group
- 20937 S Lakeview Drive, Panama City Beach, Fl 32413 · $609,000 · 3 bd / 3 ba · listed Jun 27, 2026 · listed by Scenic Sotheby's International Realty
- 112 Serenade Lane, Panama City Beach, Fl 32413 · $700,000 · 3 bd / 3 ba · pending · listed Jun 27, 2026 · listed by Scenic Sotheby's International Realty
- 21214 S Lakeview Drive, Panama City Beach, Fl 32413 · $389,900 · 2 bd / 3 ba · pending · listed Jun 27, 2026 · listed by Berkshire Hathaway HomeServices Beach Properties of Florida
Gulf Vista's median price sits at $670,000, and with a median living area of 2,051 square feet, price per square foot is doing real work here — buyers are paying for space and condition more than for a shared amenity package, since current MLS listings show none identified. The spread in construction dates, from 1940 to 2024, means two homes at the same price point can represent very different renovation stories, so the median figure alone will not tell you what you are actually buying.
A median 59 days on market and a market heat score of 38 point to a market that is not moving with urgency. Year-over-year price movement is essentially flat at 0.8%, and the 5-transaction closing window this snapshot is built on is thin enough that a single high or low sale can shift the read. For buyers, that argues for patience and firm inspection contingencies; for sellers, it argues for pricing to condition rather than pricing to hope.
Gulf Vista right now
🟡 Still climbing. The trailing-12-month median ($680K) is up 4.5% from the prior 12 months ($650K). With about 8 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 (4 and 7 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 28, 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
Gulf Vista market snapshot (as of September 20, 2026): the median sale price is about $680K, and a median 94 days on market for closed sales. The trailing-12-month median is up 4% from the prior 12 months, computed from record-level CPAR MLS closed sales (4 closings in the current window).
In ZIP 32413 (Panama City Beach), 1,569 homes closed in the last 12 months at a median of $445K, down 0.1% year over year, with a median 79 days on market. Right now 1,074 active and 177 pending listings put supply at about 7.3 months — a buyer's market. See the live ZIP 32413 housing market and the Bay County market.
County records show 18 qualified sales in Gulf Vista across 2024–2025 (8 in 2024, 10 in 2025), median $640,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Gulf Vista is a community of 249 homes in Panama City Beach, Bay County, built between 1940 and 2024 (median 1995.0), with a median living area of about 2,120 square feet. 48% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Gulf Vista is a 355-home community in Panama City Beach with a median year built of 1995 and a wide range of construction vintages, meaning the housing stock runs from long-held original homes to recent builds rather than a single uniform product.
The setting & the homes.
Aerial and on-site photos of Gulf Vista. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Gulf VistaPhotos from CPAR MLS listings in Gulf Vista; content deemed reliable but not guaranteed.
Who Gulf Vista is best for.
Best for
- Buyers prioritizing living space and location over a shared amenity package
- Buyers with flexibility to take on a home built decades ago and evaluate it on its own condition
- Buyers comfortable navigating a slower-moving market who can negotiate on price and terms
Probably not for
- Buyers who want a community centered on a defined amenity program
- Buyers who need a narrow, predictable range of home ages and conditions to choose from
- Buyers expecting a fast-moving, high-competition sale process
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 ($680K) IS the median in the snapshot above, and the move from 2025 ($650K) IS the +4.5% one-year change.
Windows contain 0 to 13 sales each (4 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.
16% of homes for sale in ZIP 32413 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 (2026-09-23).
Gulf Vista Market Scorecard
Gulf Vista is currently a balanced market., a median asking price of $687,450, and homes go under contract in about 115 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 Gulf Vista, Panama City Beach
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.
Gulf Vista on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from CPAR MLS. Map data © OpenStreetMap, tiles © CARTO.
The Gulf Vista buying strategy.
If we were buying in Gulf Vista 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 Gulf Vista.
What the numbers are actually saying
With homestead exemptions filed on 44% of homes, Gulf Vista has a meaningful mix of non-homesteaded ownership alongside primary residences — worth factoring into how you read turnover and how a given listing has likely been used and maintained. That mix, combined with the 1940–2024 build range, means due diligence has to be done property by property; there is no shortcut based on the community median alone.
The current market heat score of 38 signals a market with more room for buyer negotiation than a tight, fast-moving one. Combined with a median 59 days on market, this is not a community where offers need to be rushed, but it is also not a market where a poorly priced listing will sell itself. Every figure here is drawn from a 5-sale closing window, so treat any single data point as directional rather than absolute and confirm current conditions before setting a price or an offer strategy.
The location and the amenities are priced into every listing in Gulf Vista. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Gulf Vista buys, holds, and resells. Momentum Research; not an appraisal.
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 (6.3). Basis: Recent Direction +4.5% year-over-year; Owner Commitment 48% owner-occupied; Pricing Power 95.5% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a community with this much variance in build year and condition, and no shared amenity package to standardize value, pricing and offer strategy have to be built around the specific home, not the community average. We pull comparable sales by condition and vintage, not just by zip code, and we will tell you directly if a listing's asking price is out of step with what the current 59-day, low-heat market is actually supporting.
Gulf Vista 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 Gulf Vista 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 Gulf Vista sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Gulf Vista, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Gulf Vista home worth?
Get a no-obligation home value based on real comparable sales in Gulf Vista, 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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Frequently Asked Questions
What is the median home price in Gulf Vista?
How long do homes in Gulf Vista take to sell?
How many homes are in Gulf Vista?
What share of Gulf Vista is owner-occupied?
When were the homes in Gulf Vista built?
Who is the best real estate agent for Gulf Vista?
How do I find a top Panama City Beach real estate agent who knows Gulf Vista?
Can Momentum Realty connect me with an agent for Gulf Vista?
Where is Gulf Vista, and what county is it in?
Should you buy in Gulf Vista?
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: September 26, 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 (4 streets, ZIP 32413)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (101 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 Gulf Vista fits the bigger picture — live prices, inventory, and Momentum Scores:
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