Shores Townhouses
Homes for Sale in Panama City Beach, FL
All 785 homes for sale in Panama City Beach, FL · median $369,000 · 653 homes for sale in 32413 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, Shores Townhouses in Panama City Beach, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $1,090,000, a median 13 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 $13,380 ($12,900 with the full homestead exemption).
| Location | Panama City Beach, Bay County, FL · ZIP 32413 |
|---|---|
| Sale prices, last 12 months | $1,090,000 median across 4 closed sales |
| Days on market (closed sales) | 13 median |
| For sale right now | 1 active, 0 pending · median asking $1,099,999 |
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. Market figures describe homes, not residents. Cite as: Momentum Realty, “Shores Townhouses key facts,” movewithmomentum.com/neighborhoods/shores-townhouses, data as of September 20, 2026.
Shores Townhouses is trading fast and expensive for its category. A median dry-side price of $1,090,000 for a townhouse product tells you this is not a typical attached-home value play — location and finish are doing the work, not square footage or lot size.
A median of just under 14 days on market is short by any measure, and with only 4 closings in this window, that pace could reflect a handful of well-priced or well-located units moving quickly rather than a deep, liquid market. Treat the DOM figure as directional, not definitive, until more sales stack up behind it.
The 60-Second Overview
Shores Townhouses market snapshot (as of September 20, 2026): the median sale price is about $1.09M, and a median 14 days on market for closed sales.
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.
CPAR sales records identify 5 homes in Shores Townhouses that have changed hands since 2016, built between 1976 and 1985 (median 1976), with a median living area of about 1,665 sq ft and a typical 3-bedroom, 3-bath layout; 80% are townhomes. Source: CPAR closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Shores Townhouses sits in Panama City Beach, Bay County, where the attached-home product is being priced closer to single-family beach-area levels than typical townhouse comps elsewhere in the region.
Who Shores Townhouses is best for.
Best for
- A buyer with a budget in the $1,090,000 median range looking for a Panama City Beach townhouse over a single-family home.
- A buyer comfortable moving quickly, given a market that has recently cleared listings in about two weeks.
- A buyer prioritizing beach-area location over on-site community amenities.
Probably not for
- A buyer who wants a large pool of recent comps to lean on before pricing an offer — the current window has only 4 closings.
- A buyer specifically shopping for a community with clubhouse, pool, or other shared amenities as part of the purchase.
- A buyer working with a budget well below the $1,090,000 median who is not prepared for condition-driven price spread.
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 ($1.09M) IS the median in the snapshot above.
Windows contain 0 to 5 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.
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.
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 (2026-09-20).
Shores Townhouses Market Scorecard
Shores Townhouses is currently a balanced market., a median asking price of $1,099,999.
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 Shores Townhouses, 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.
The Shores Townhouses buying strategy.
If we were buying in Shores Townhouses 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 Shores Townhouses.
A Small Sample, A Big Number
With just 4 closings in the current window, Shores Townhouses is a thin market to read. The $1,090,000 median is real, but it is built on a small number of transactions, so it can swing meaningfully with the next sale or two. Buyers and sellers should treat this as a snapshot, not a trend line, and lean on current active listings and pending activity to confirm where the market actually sits today.
No community amenities are identified from current MLS listings, which likely means value here is concentrated in the units themselves and their proximity to the beach and surrounding Panama City Beach conveniences, rather than in shared recreational features. Anyone comparing this community to an amenity-rich townhouse development should adjust expectations accordingly.
The location and the amenities are priced into every listing in Shores Townhouses. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this thin — 4 closings and a median built on a small sample — pricing a listing or vetting an offer takes more than pulling a median off a report. We pull the underlying comps unit by unit, check what is actually pending and active right now, and tell you plainly whether the $1,090,000 figure is a real target for your specific unit or an artifact of a small data set.
Shores Townhouses in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $949/month (about $11,388/yr) · median of 14 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $949 per month ($11,388 a year) — the median AssociationFee across 14 MLS records, normalised to a monthly figure; most are billed monthly. 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 Shores Townhouses 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 Shores Townhouses sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Shores Townhouses, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Shores Townhouses home worth?
Get a no-obligation home value based on real comparable sales in Shores Townhouses, 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 Shores Townhouses
Homes in Shores Townhouses 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. 1 on record.
- 22519 Front Beach Road 108 · off market
Frequently Asked Questions
What is the median home price in Shores Townhouses?
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Who is the best real estate agent for Shores Townhouses?
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Can Momentum Realty connect me with an agent for Shores Townhouses?
Where is Shores Townhouses, and what county is it in?
Should you buy in Shores Townhouses?
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 25, 2026) |
| 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 (30 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 Shores Townhouses fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Shores Townhouses
- Home values · What homes in Shores Townhouses actually sell for
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