Plantation Point
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.
Market Heat
Over the 12 months ending 2026-09-20, 6 recorded sales closed at a median of $387,450, a median 64 days on market, sellers accepting 95% of original asking (+15% versus the prior year). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $4,760 ($4,270 with the full homestead exemption).
| Location | Panama City, Bay County, FL · ZIP 32404, 32405, 32444 |
|---|---|
| Homes in the community | 129 (FL DOR 2025 assessment roll) |
| Years built | 1970–2024 (median 1993) |
| Typical living area | 2,717 sq ft (median) |
| Sale prices, last 12 months | $387,450 median across 6 closed sales · +14.8% vs the prior 12 months |
| Days on market (closed sales) | 64 median |
| For sale right now | 0 active, 1 pending |
| Owner-occupied (homestead) share | 65% |
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, “Plantation Point key facts,” movewithmomentum.com/neighborhoods/plantation-point, data as of September 20, 2026.
Price in Plantation Point is driven by the home itself, not by shared amenities. The median sits at $560,000, roughly $275 per square foot, and the spread around that number is condition- and size-driven. There is no community pool, gate, or clubhouse pulling values up or down, so what you pay reflects the house, the lot, and the finishes in front of you.
The current posture favors a patient buyer. Prices are down 9.7% year over year, and with a market heat score of 30, this is not a bidding-war setting. Homes are taking about 37 days to move. Sellers who price to the softer market are transacting; those anchored to last year's number are sitting. Buyers have room to negotiate and to underwrite on the merits rather than on momentum.
Plantation Point right now
🟢 Still climbing. The trailing-12-month median ($387K) is up 14.8% from the prior 12 months ($338K). With about 5 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 (6 and 4 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
Plantation Point market snapshot (as of September 20, 2026): the median sale price is about $387K, and a median 64 days on market for closed sales. The trailing-12-month median is up 15% from the prior 12 months, computed from record-level CPAR MLS closed sales (6 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.
County records show 7 qualified sales in Plantation Point across 2024–2025 (2 in 2024, 5 in 2025), median $330,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Plantation Point is a community of 129 homes in Panama City, Bay County, built between 1970 and 2024 (median 1993), with a median living area of about 2,717 square feet. 65% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Plantation Point is a home-driven pocket of Rockledge in Brevard County with no shared amenities identified in current listings, which means value here rests entirely on the individual property. The longer arc is meaningful — prices are up 130% since 2012 — even as the last year has cooled.
Who Plantation Point is best for.
Best for
- Buyers with a longer hold who can absorb short-term softness and are comfortable near the $560,000 median
- Value hunters willing to negotiate in a low-heat, roughly 37-day market
- Owner-occupants who want the house itself to carry the value, not a shared amenity package
Probably not for
- Buyers who want a resort-style amenity package with a pool or clubhouse
- Sellers who need a fast, top-of-last-year exit despite the 9.7% year-over-year decline
- Short-term flippers counting on quick gains from a cooling, thin-comp market
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 ($387K) IS the median in the snapshot above, and the move from 2025 ($338K) IS the +14.8% one-year change.
Windows contain 1 to 9 sales each (6 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).
Plantation Point Market Scorecard
Plantation Point is currently a balanced market..
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 Plantation Point, 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 Point buying strategy.
If we were buying in Plantation Point 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 Point.
A house-by-house market
Because no community amenities show up in the MLS data, comparisons between listings come down to square footage, condition, and lot rather than a shared package of features. That makes the median useful as a center of gravity but a poor stand-in for any single home. Two properties at similar totals can differ sharply once you weigh updates and layout, so the per-square-foot figure near $275 is a better first filter than the headline price.
The 9.7% year-over-year decline against a 130% gain since 2012 tells you two things at once: recent buyers paid into a peak that has softened, while anyone with a longer horizon has seen substantial movement. A closings window of five is thin, so read every comp closely and don't over-trust a single sale in either direction.
The location and the amenities are priced into every listing in Plantation Point. 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 Plantation Point 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 (7.6). Basis: Recent Direction +14.8% year-over-year; Owner Commitment 65% owner-occupied; Pricing Power 95.0% sale-to-list. Refreshed with each data update.
Why work with Momentum here
With only five recent closings and no amenity story to lean on, pricing here is a matter of reading condition and comps carefully, not applying a formula. We underwrite each home on its own merits, tell sellers what the softer year actually supports, and give buyers the negotiating footing a heat score of 30 and a 37-day market allow.
Plantation Point 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 Point 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 Point sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Plantation Point, 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 Point home worth?
Get a no-obligation home value based on real comparable sales in Plantation Point, 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 →
Recently off market in Plantation Point
Homes in Plantation Point 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. 4 on record.
- 100 Plantation Point Drive · off market
- 106 Plantation Point Drive · off market
- 1351 Mission San Carlos Drive · off market
- 702 Plantation Circle · off market
Frequently Asked Questions
What is the median home price in Plantation Point?
How long do homes in Plantation Point take to sell?
How many homes are in Plantation Point?
What share of Plantation Point is owner-occupied?
When were the homes in Plantation Point built?
Who is the best real estate agent for Plantation Point?
How do I find a top Panama City real estate agent who knows Plantation Point?
Can Momentum Realty connect me with an agent for Plantation Point?
Where is Plantation Point, and what county is it in?
Is Plantation Point a good place to live?
Should you buy in Plantation Point?
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 29, 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 32404/32405/32444)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (59 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 Point fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Plantation Point
- Home values · What homes in Plantation Point actually sell for
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