Laguna Beach Estates
Homes for Sale in Panama City Beach, FL
All 733 homes for sale in Panama City Beach, FL · median $368,500 · 395 homes for sale in 32407 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via CPAR MLS
As of October 2026, Laguna Beach Estates in Panama City Beach, FL has 8 homes for sale, asking from $224,500 to $711,000 (median $394,495). Over the 12 months ending 2026-09-20, 9 recorded sales closed at a median of $510,000, a median 57 days on market, sellers accepting 97% of original asking (-45% versus the prior year). Homes listed or recently sold were built 1955–2026 with 1 new construction; none of the 8 geocoded homes sit in a FEMA special flood hazard zone (median elevation 29 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $6,260 ($5,780 with the full homestead exemption).
Part of the Laguna Beach master-planned community in Panama City Beach, FL — see all Laguna Beach homes for sale (43 listings across 11 villages and sections in the MLS).
Last 30 days in Laguna Beach Estates: 4 new listings (median asking $504,995). As of October 17, 2026, Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate.
Homes For Sale Right Now in Laguna Beach Estates
Live MLS inventory for Laguna Beach 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 Laguna Beach Estates listings as of 2026-10-17, 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.
Price here is driven by condition and vintage, not by a uniform product type. With a housing stock spanning from 1930 to 2024 and a median build year of 1989, you are looking at a wide mix under one name — original older cottages sitting near newer construction. The median price of $460,000 tells you the midpoint, but the spread around it is real, and it tracks with how much work a given home needs and how close it sits to the water.
The current posture favors a patient buyer. A median of just under 45 days on market is not a frenzy, and the year-over-year median is down sharply — that reflects what mix has been closing, not a clean before-and-after on any single house. Sellers should price to today's condition-driven reality and expect scrutiny; buyers have room to be selective and should not assume the median describes the specific home in front of them.
Laguna Beach Estates right now
🔴 Off the recent peak. The trailing-12-month median ($510K) is down 44.6% from the prior 12 months ($920K) and up 77% since 2012. With about a dozen 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 (9 and 5 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 18, 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
Laguna Beach Estates market snapshot (as of September 20, 2026): the median sale price is about $510K, and a median 57 days on market for closed sales. The trailing-12-month median is down 45% from the prior 12 months and up 77% since 2012, computed from record-level CPAR MLS closed sales (9 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 6 qualified sales in Laguna Beach Estates across 2024–2024, median $384,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Laguna Beach Estates is a community of 52 homes in Panama City Beach, Bay County, built between 1948 and 2024 (median 1983.5), with a median living area of about 1,300 square feet. 38% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Laguna Beach Estates is a large, long-established pocket of Panama City Beach where the label covers everything from pre-war structures to brand-new builds. Read each listing on its own merits — vintage, condition, and proximity to the water do more to explain price here than any community-wide number.
The setting & the homes.
Aerial and on-site photos of Laguna Beach Estates. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Laguna Beach EstatesPhotos from CPAR MLS listings in Laguna Beach Estates; content deemed reliable but not guaranteed.
Who Laguna Beach Estates is best for.
Best for
- Beach-market buyers prioritizing location and willing to vet each property individually
- Renovation-minded buyers looking at older stock with upside through condition
- Second-home or seasonal-use buyers who do not need shared amenities
Probably not for
- Buyers who want a single, predictable product type across the community
- Buyers who need HOA-style amenities like pools or clubhouses on site
- Buyers unwilling to underwrite an individual home's age and condition
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 ($510K) IS the median in the snapshot above, and the move from 2025 ($920K) IS the -44.6% one-year change.
Windows contain 4 to 19 sales each (9 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.
14% 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 (2026-10-18).
Laguna Beach Estates Market Scorecard
Laguna Beach Estates is currently a balanced market., a median asking price of $406,950, and homes go under contract in about 79 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.
Laguna Beach Estates 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 contributors.
The Laguna Beach Estates buying strategy.
If we were buying in Laguna Beach 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 Laguna Beach Estates.
A wide-vintage stock under one name
With 1,093 homes and a build range from 1930 to 2024, this is not a cookie-cutter subdivision. The median living area of roughly 1,775 square feet points to modest footprints as the norm, but the age spread means two homes at the same price can be very different propositions — one may be renovated newer construction, the other a candidate for a full redo. Underwrite the individual house, not the community average.
The homestead share sits at 16%, which tells you a meaningful portion of this stock is not owner-occupied as a primary residence — consistent with a beach market that carries seasonal and second-home use. No community amenities were identified from current MLS listings, so buyers drawn here are buying location and the individual property, not shared facilities. A market heat score of 43 reinforces the read: active, but balanced rather than overheated.
The location and the amenities are priced into every listing in Laguna Beach Estates. 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 Laguna Beach Estates 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 4 factors (4.4). Basis: Long-Term Appreciation +77% since 2012; Recent Direction -44.6% year-over-year; Owner Commitment 38% owner-occupied; Pricing Power 96.6% sale-to-list. Refreshed with each data update.
Why work with Momentum here
The value in Laguna Beach Estates lives in the details a spreadsheet flattens — build year, renovation history, elevation, and how far a given lot sits from the water. We help you price and negotiate against the specific home rather than a community median that blends a 1930 cottage with a 2024 build. In a balanced market with homes taking just under 45 days to sell, that discipline is what separates a fair deal from an expensive lesson.
Laguna Beach Estates in 15 seconds.
What it really costs to own in Laguna Beach Estates
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $2,095/yr across 14 listings here (MLS tax records, 2026-10-18). |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Bay County is $1,928/yr (1,264 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 1994 across 16 listings. An original roof here would be about 32 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Laguna Beach Estates
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Laguna Beach Estates
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Laguna Beach Estates will answer, and the answer is published on this page for the next buyer.
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 Laguna Beach 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 Laguna Beach Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Laguna Beach 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 Laguna Beach Estates home worth?
Get a no-obligation home value based on real comparable sales in Laguna Beach 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.
See all homes for sale in Panama City Beach →
Recently off market in Laguna Beach Estates
Homes in Laguna Beach 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. 3 on record.
- 105 Granger Lane · off market
- 216 Carol Place · off market
- 320 El Reposo Place · off market
| Location | Panama City Beach, Bay County, FL · ZIP 32407, 32413 |
|---|---|
| Homes in the community | 52 (FL DOR 2025 assessment roll) |
| Years built | 1948–2024 (median 1983.5) |
| Typical living area | 1,300 sq ft (median) |
| Home types (current listings and sales) | manufacturedhome 50%, singlefamilyresidence 50% |
| Sale prices, last 12 months | $510,000 median across 9 closed sales · -44.6% vs the prior 12 months |
| Days on market (closed sales) | 57 median |
| For sale right now | 6 active, 0 pending · median asking $406,950 |
| Owner-occupied (homestead) share | 38% |
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, “Laguna Beach Estates key facts,” movewithmomentum.com/neighborhoods/laguna-beach-estates, data as of September 20, 2026.
Just listed in Laguna Beach Estates
The newest homes for sale in Laguna Beach Estates right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 232 Wisteria Lane, Panama City Beach, FL 32413 $711,000 · 3 bd · 2 ba · new today Courtesy of Rosemary Beach Realty, LLC
- 315 Twin Lakes Drive, Panama City Beach, FL 32413 $429,990 · 3 bd · 2 ba · 1 day on market Courtesy of Real Broker LLC
- 321 Palm Drive, Panama City Beach, FL 32413 $224,500 · 2 bd · 1 ba · 20 days on market Courtesy of Beachy Beach Real Estate
- 105 Azalea Drive, Panama City Beach, FL 32413 $580,000 · 3 bd · 2 ba · 25 days on market Courtesy of Beachy Beach Real Estate
- 0000 Hibiscus Drive, Panama City Beach, FL 32413 $511,000 · 6 bd · 4 ba · 79 days on market Courtesy of Guardian Real Estate Group LLC
- 117 Christmas Tree Lane, Panama City Beach, FL 32413 $359,000 · 2 bd · 1 ba · 138 days on market Courtesy of Beachy Beach Real Estate
Checked against the MLS Oct 18, 2026. All new listings in this market.
More Panama City Beach home searches
- All homes for sale in Panama City Beach, FL
- Homes for sale in Bay County, FL
- Homes under $300K in Panama City Beach
- Homes from $300K to $500K in Panama City Beach
- 4-bedroom homes for sale in Panama City Beach
- Panama City Beach home values: what is my house worth?
- ZIP 32407 housing scorecard
- 3 coming-soon communities in Bay County
Recent Developments in Laguna Beach Estates
Development, infrastructure, retail, and school activity affecting Laguna Beach Estates, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- October 2026Development
Tyndall Air Force Base rebuild continues with about 140 new facilities
WJHG reports Tyndall AFB is rebuilding with roughly 140 new hurricane-resistant facilities after Hurricane Michael in 2018, and now hosts F-35 squadrons. Most current projects are expected to finish by 2027, while other buildings await congressional funding and the work has faced labor and budget constraints.
What it may mean for the marketContinued base construction and F-35 operations sustain military and contractor employment and construction activity in the eastern Bay County area. The site is about 9 miles southwest of Laguna Beach Estates.
Source: WJHG - September 2026Retail & Dining
Panama City meets Houston developer interested in part of Panama City Mall site
Panama City officials met a Houston developer interested in buying a portion of the largely vacant Panama City Mall, owned by Hendon Properties, with a retail focus. Discussions covered rezoning, possible CRA participation and plan submittal. The mayor called the FDOT US 231 widening, planned to six lanes from US 98 to SR 20, the biggest holdup.
What it may mean for the marketPossible retail redevelopment of a large vacant site could add shopping options near the US 231 corridor, with timing tied to road widening and rezoning. The project is about 9 miles west of Laguna Beach Estates, elsewhere in Bay County.
Source: WJHG - August 2026Development
Deal reached to redevelop historic Panama City Grammar School into apartments and townhomes
Panama City reached a deal for developer Zachary Seymour to buy the 1914 Panama City Grammar School on East Seventh Street and convert it to apartments and townhomes. The city would waive about $375,000 in code fines and a $100,000 CRA grant is pending approval. Seymour has one year to finish structural repairs to roofs, windows and doors.
What it may mean for the marketReuse of a vacant historic building would add downtown-area residential units and remove a long-standing vacant property. The project is about 9 miles west of Laguna Beach Estates, elsewhere in Bay County.
Source: WJHG - August 2026Infrastructure
Bay County approves $13.5 million water treatment plant expansion
Bay County commissioners approved a $13.5 million contract with NCMC Construction to add three large sand filters (30 by 50 feet each) to the county water treatment plant, which now runs 11 filters. Construction is expected to start soon and take about a year, and officials say water bills should not rise because of it.
What it may mean for the marketAdded filtration and backup capacity supports water service reliability for a county where demand has more than doubled in 15 years. The site is about 7 miles northwest of Laguna Beach Estates.
Source: WJHG - July 2026Civic
Panama City approves 12-month moratorium on AI data centers
Panama City commissioners unanimously approved a 12-month pause on AI data centers in certain areas, following a six-month restriction adopted by Bay County the prior week. The city said it will use the period to study data center operations and revisit how they fit into local zoning and land-use rules.
What it may mean for the marketA temporary pause shapes where data centers can locate while the city reviews zoning and land-use standards. The project is about 10 miles west of Laguna Beach Estates, elsewhere in Bay County.
Source: WJHG News Channel 7 - June 2026Development
Panama City commissioners approve Community Development District for 1,800-home neighborhood
Panama City commissioners approved a Community Development District for a planned neighborhood of about 1,800 homes east of John Pitts Road in north Panama City. Under the CDD, road maintenance within the neighborhood stays with the district rather than transferring to the city.
What it may mean for the marketA new large-scale residential district adds housing supply and internally maintained streets to the north Panama City market. The project is about 6 miles northwest of Laguna Beach Estates, elsewhere in Bay County.
Source: WJHG News Channel 7
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Frequently Asked Questions
What is the median home price in Laguna Beach Estates?
How long do homes in Laguna Beach Estates take to sell?
How many homes are in Laguna Beach Estates?
What share of Laguna Beach Estates is owner-occupied?
When were the homes in Laguna Beach Estates built?
Have Laguna Beach Estates home prices gone up?
Who is the best real estate agent for Laguna Beach Estates?
How do I find a top Panama City Beach real estate agent who knows Laguna Beach Estates?
Can Momentum Realty connect me with an agent for Laguna Beach Estates?
Where is Laguna Beach Estates, and what county is it in?
Is Laguna Beach Estates a good place to live?
Should you buy in Laguna Beach 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 17, 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 32407/32413)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (133 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.
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More on Laguna Beach Estates
- Home values · What homes in Laguna Beach Estates actually sell for