Plantation Heights
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.
Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $265,000, a median 102 days on market, sellers accepting 89% of original asking (-4% versus the prior year). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $3,250 ($2,770 with the full homestead exemption).
Plantation Heights is a small, tightly built pocket of Panama City construction, with every home in the current MLS snapshot dated between 2009 and 2017 and a median build year of 2014. That narrow window means buyers are not weighing decades of renovation history against each other — the housing stock reads as a single generation of construction, which simplifies condition assessment but also means there is little variation in layout era to choose from.
With only 19 homes tracked and a median of 3 closings in the recent window, this is a thin market where a single sale can move the read on value. Median days on market sits at 102, well past a fast-clearing pace, and price is down 3.6% year over year. That combination tells us sellers need to price to the data, not to hope, and buyers have room to negotiate rather than compete.
Plantation Heights right now
🟡 Off the recent peak. The trailing-12-month median ($265K) is down 3.6% from the prior 12 months ($275K). With about 2 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
Nearby homes for sale
No active listings inside Plantation Heights right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Plantation Heights market snapshot (as of September 20, 2026): the median sale price is about $265K, and a median 102 days on market for closed sales. The trailing-12-month median is down 4% from the prior 12 months, computed from record-level CPAR MLS closed sales (3 closings in the current window).
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.
Plantation Heights is a compact, recent-vintage enclave in Panama City with a median price near $265,000 and a housing stock built almost entirely between 2009 and 2017 — a market defined more by its small size and slower absorption than by any amenity package.
Who Plantation Heights is best for.
Best for
- Buyers who want housing built within a single, recent construction era without hunting across decades of renovation history
- Buyers comfortable with a slower, negotiation-friendly timeline given the current days-on-market pace
- Owner-occupant buyers focused on the home itself rather than a built-out amenity package
Probably not for
- Buyers who need on-site community amenities like a pool, clubhouse, or organized recreation
- Sellers expecting a fast close in a market currently running past the 100-day median
- Investors relying on year-over-year price growth, given the current negative trend
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 ($265K) IS the median in the snapshot above, and the move from 2025 ($275K) IS the -3.6% one-year change.
Windows contain 0 to 6 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.
30% 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 (2026-09-20).
Housing distress & ownership in Plantation Heights, 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.
The Plantation Heights buying strategy.
If we were buying in Plantation Heights 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 Plantation Heights.
A small, single-era pocket moving at its own pace
The living space here centers on a median of 1,632 square feet, and with all homes built inside an eight-year span, the community doesn't split into an older-versus-newer conversation the way many Bay County neighborhoods do. That consistency is useful for comparing one listing to the next, but it also means buyers looking for either an older, larger footprint or brand-new construction won't find either extreme inside Plantation Heights.
Roughly 47.4% of homes carry a homestead exemption, indicating a meaningful share of owner-occupancy alongside non-homesteaded ownership. No community amenities are identified from current MLS listings, so whatever draws a buyer here is the home and the location itself, not a clubhouse or pool package. With days on market running past the three-digit mark and closings thin, this reads as a market where patience — on both sides of a deal — matters more than urgency.
The location and the amenities are priced into every listing in Plantation Heights. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this small — 19 homes, a handful of closings per window — the data can mislead if you don't know which sales are outliers and which are setting the real trend line. We track Plantation Heights inside the broader Panama City and Bay County picture so you're pricing off context, not off a thin sample in isolation.
Plantation Heights 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 Plantation Heights 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 Plantation Heights sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Plantation Heights, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Plantation Heights home worth?
Get a no-obligation home value based on real comparable sales in Plantation Heights, 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 Plantation Heights?
How long do homes in Plantation Heights take to sell?
Who is the best real estate agent for Plantation Heights?
How do I find a top Panama City real estate agent who knows Plantation Heights?
Can Momentum Realty connect me with an agent for Plantation Heights?
Where is Plantation Heights, and what county is it in?
Should you buy in Plantation Heights?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (31 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 Plantation Heights fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Plantation Heights
- Home values · What homes in Plantation Heights actually sell for
Nearby Communities
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