Ocean Mist
Homes for Sale in Panama City Beach, FL
All 785 homes for sale in Panama City Beach, FL · median $369,000 · 396 homes for sale in 32407 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of October 2026, Ocean Mist in Panama City Beach, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $465,000, a median 51 days on market, sellers accepting 96% of original asking. At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $5,710 ($5,220 with the full homestead exemption).
| Location | Panama City Beach, Bay County, FL · ZIP 32407 |
|---|---|
| Homes in the community | 24 (FL DOR 2025 assessment roll) |
| Years built | 2015–2017 (median 2016.0) |
| Typical living area | 1,872 sq ft (median) |
| Sale prices, last 12 months | $465,000 median across 3 closed sales |
| Days on market (closed sales) | 51 median |
| For sale right now | 1 active, 0 pending · median asking $448,000 |
| Owner-occupied (homestead) share | 67% |
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, “Ocean Mist key facts,” movewithmomentum.com/neighborhoods/ocean-mist, data as of September 20, 2026.
Ocean Mist is a small enough slice of the Panama City Beach market that the numbers move fast when even one or two homes trade. With only three closings in the most recent window, the $465,000 median is a snapshot, not a trend line — treat it as a starting point for conversation rather than a fixed benchmark.
A median 51 days on market tells you this isn't a community where homes are getting snapped up on day one, but it's not sitting stagnant either. That pace gives buyers room to actually look and sellers a reason to price with intention rather than testing the market.
The 60-Second Overview
Ocean Mist market snapshot (as of September 20, 2026): the median sale price is about $465K, and a median 51 days on market for closed sales.
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.
Ocean Mist is a community of 24 homes in Panama City Beach, Bay County, built between 2015 and 2017 (median 2016.0), with a median living area of about 1,872 square feet. 67% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Ocean Mist sits in Bay County within Panama City Beach, with current MLS activity too limited to draw broad conclusions about amenities — none are identified in the listings we're tracking, so any shared features would need to be confirmed property by property.
Who Ocean Mist is best for.
Best for
- Buyers targeting a purchase near the $465,000 median who are flexible on timeline
- Buyers willing to do independent due diligence on amenities and HOA details before writing an offer
- Sellers comfortable pricing based on a small, current comp set with guidance rather than a large sales history
Probably not for
- Buyers who need extensive resale data to validate a price before committing
- Anyone assuming community amenities exist without confirming them first
- Buyers expecting a fast, high-volume market with multiple competing offers
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 ($465K) IS the median in the snapshot above.
Windows contain 0 to 12 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.
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.
15% of homes for sale in ZIP 32407 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 (2026-10-01).
Ocean Mist Market Scorecard
Ocean Mist is currently a balanced market., a median asking price of $448,000, and homes go under contract in about 239 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 Ocean Mist, 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.
Homes For Sale Right Now in Ocean Mist
Live MLS inventory for Ocean Mist. 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 Ocean Mist 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 Ocean Mist Right Now (1)
All 1 active and pending Ocean Mist listings with a detail page, newest first, refreshed twice a day from the MLS.
- 215 Wiregrass Lane, Panama City Beach, Fl 32407 · $440,000 · 3 bd / 2 ba · listed Jul 2, 2026 · listed by Local Insight Realty
The Ocean Mist buying strategy.
If we were buying in Ocean Mist 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 Ocean Mist.
Reading a thin data set honestly
Three closings is not enough to build a confident price curve, and we won't pretend otherwise. What we can say: the $465,000 median puts Ocean Mist in a mid-range position for the area, and a 51-day median days-on-market suggests homes here move at a measured pace rather than an auction-style sprint.
The absence of listed community amenities in current MLS data doesn't necessarily mean there are none — it may simply reflect what's been active recently. Anyone seriously considering Ocean Mist should verify amenities, HOA structure, and any shared facilities directly rather than assuming based on this snapshot.
The location and the amenities are priced into every listing in Ocean Mist. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with this few recent closings, pricing a home well or evaluating an offer requires more than pulling a median off a report — it means knowing which of the three comparable sales actually apply to your situation. We walk that math with you instead of leaving you to guess.
Ocean Mist in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $181/month (about $2,172/yr) · median of 20 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $181 per month ($2,172 a year) — the median AssociationFee across 20 MLS records, normalised to a monthly figure; most are billed annually. 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, 2026-10.
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 Ocean Mist 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 Ocean Mist sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Ocean Mist, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Ocean Mist home worth?
Get a no-obligation home value based on real comparable sales in Ocean Mist, 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 →
Frequently Asked Questions
What is the median home price in Ocean Mist?
How long do homes in Ocean Mist take to sell?
How many homes are in Ocean Mist?
What share of Ocean Mist is owner-occupied?
When were the homes in Ocean Mist built?
Who is the best real estate agent for Ocean Mist?
How do I find a top Panama City Beach real estate agent who knows Ocean Mist?
Can Momentum Realty connect me with an agent for Ocean Mist?
Where is Ocean Mist, and what county is it in?
Should you buy in Ocean Mist?
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 32407)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2015 (47 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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See how Ocean Mist fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Ocean Mist
- Home values · What homes in Ocean Mist actually sell for
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