Sun Harbor
Condos for Sale in Panama City, FL
All 258 homes for sale in Panama City, FL · median $349,600 · 237 condos for sale in Panama City · 124 homes for sale in 32401 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of September 2026, Sun Harbor Condo in Panama City, FL has 5 homes for sale, asking from $164,950 to $327,000 (median $189,000). Over the 12 months ending 2026-09-20, 6 recorded sales closed at a median of $161,500, a median 74 days on market, sellers accepting 92% of original asking. Homes listed or recently sold were built 1984–1984; 5 of 5 report an HOA (median $425/mo); 4 of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 6 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $1,980 ($1,500 with the full homestead exemption).
| Location | Panama City, Bay County, FL · ZIP 32401, 32404, 32405 |
|---|---|
| Home types (current listings and sales) | condos 100% |
| Sale prices, last 12 months | $161,500 median across 6 closed sales |
| Days on market (closed sales) | 74 median |
| For sale right now | 5 active, 0 pending · median asking $189,000 |
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, “Sun Harbor Condo key facts,” movewithmomentum.com/neighborhoods/sun-harbor-condo, data as of September 20, 2026.
Last 30 days in Sun Harbor: 2 new listings (median asking $247,500). As of September 26, 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 Sun Harbor Condo
Live MLS inventory for Sun Harbor Condo. 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 Sun Harbor Condo listings as of 2026-09-26, 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 Sun Harbor Condo Right Now (5)
All 5 active and pending Sun Harbor Condo listings with a detail page, newest first, refreshed twice a day from the MLS.
- 5505 Sun Harbor Road 129, Panama City, Fl 32401 · $229,000 · 1 bd / 1 ba · listed Sep 8, 2026 · listed by Keller Williams Success Realty
- 5505 Sun Harbor Road 105, Panama City, Fl 32401 · $189,000 · 1 bd / 1 ba · listed Sep 8, 2026 · listed by Keller Williams Success Realty
- 5505 Sun Harbor Road 181, Panama City, Fl 32401 · $327,000 · 2 bd / 2 ba · listed Sep 4, 2026 · listed by EXP Realty LLC
- 5505 Sun Harbor Road 213, Panama City, Fl 32401 · $168,000 · 1 bd / 1 ba · listed Aug 15, 2026 · listed by Coastal Palms Real Estate
- 5505 Sun Harbor Road 235, Panama City, Fl 32401 · $164,950 · 1 bd / 1 ba · listed Jun 27, 2026 · listed by Beycome of Florida LLC
Sun Harbor Condo's price picture sits on a thin data set right now: five closings inform the current snapshot, so the median of $155,000 should be read as a directional marker rather than a tight, tested range. With this few transactions, one unusual sale can move the number more than it would in a deeper market.
The median 115-day time on market is the more telling figure here. That is not a fast-turn condo community, and it points to buyers taking their time, sellers testing price before adjusting, or both. Anyone pricing a listing or writing an offer here should plan around patience rather than urgency.
The 60-Second Overview
Sun Harbor Condo market snapshot (as of September 20, 2026): the median sale price is about $162K, and a median 75 days on market for closed sales.
In ZIP 32401 (Panama City), 337 homes closed in the last 12 months at a median of $307K, up 0.5% year over year, with a median 62 days on market. Right now 166 active and 29 pending listings — a buyer's market. See the live ZIP 32401 housing market and the Bay County market.
CPAR sales records identify 9 homes in Sun Harbor Condo that have changed hands since 2022, built between 1984 and 1984 (median 1984), with a median living area of about 540 sq ft and a typical 1-bedroom, 1-bath layout; 100% are condominiums. Source: CPAR closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Sun Harbor Condo is a Panama City condo community in Bay County where current MLS activity is limited, giving the market a quieter, slower-moving posture than higher-volume complexes nearby.
The setting & the homes.
Aerial and on-site photos of Sun Harbor Condo. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Sun Harbor Condo
Sun Harbor Condo
Sun Harbor Condo
Sun Harbor Condo
Sun Harbor CondoPhotos from CPAR MLS listings in Sun Harbor Condo; content deemed reliable but not guaranteed.
Who Sun Harbor Condo is best for.
Best for
- Buyers with flexible timelines who can wait through a longer-than-average selling window
- Buyers prioritizing a lower condo price point in Panama City over a fast close
- Sellers willing to price realistically from the start given the current median days on market
Probably not for
- Sellers expecting a quick sale or heavy competing-offer activity
- Buyers relying on assumed community amenities without confirming them directly
- Anyone needing a large pool of recent comps to firm up a price strategy
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 ($162K) IS the median in the snapshot above.
Windows contain 0 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.
12% of homes for sale in ZIP 32401 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 (2026-09-27).
Sun Harbor Condo Market Scorecard
Sun Harbor Condo is currently a balanced market., a median asking price of $189,000, and homes go under contract in about 36 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 Sun Harbor Condo, 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.
Sun Harbor Condo 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, tiles © CARTO.
The Sun Harbor Condo buying strategy.
If we were buying in Sun Harbor Condo 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 Sun Harbor Condo.
A Small Sample, A Slow Clock
Two numbers define this snapshot: a median price of $155,000 and a median 115 days on market, drawn from just five recent closings. That combination usually means a condo stock where condition and pricing strategy matter more than broad demand pressure. When only a handful of units trade in a window, the community is not being pushed by competing offers so much as individual sellers finding individual buyers.
No community amenities were identified from current MLS listings, which does not mean none exist, only that the listing data available does not surface them. Buyers should verify directly what a specific building or association offers rather than assuming standard condo features are present. On the market side, the long median days-on-market figure suggests sellers should price realistically at the outset rather than expect a quick sale, and buyers have more room to negotiate on timeline and terms than they would in a fast-moving segment.
The location and the amenities are priced into every listing in Sun Harbor Condo. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this thin, the median and the days-on-market figure only tell part of the story, and the rest has to come from direct comparison of the handful of units actually trading. We pull the specific closings behind the numbers, check condition and association details unit by unit, and help you build a price or offer strategy that reflects what is really moving here, not just the headline figure.
Sun Harbor Condo in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $425/month (about $5,100/yr) · median of 80 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $425 per month ($5,100 a year) — the median AssociationFee across 80 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, 2026-09.
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 Sun Harbor Condo 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 Sun Harbor Condo sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Sun Harbor Condo, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Sun Harbor Condo home worth?
Get a no-obligation home value based on real comparable sales in Sun Harbor Condo, 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 Sun Harbor Condo
Homes in Sun Harbor Condo 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.
- 5505 Sun Harbor Road 217 · off market
Frequently Asked Questions
What is the median home price in Sun Harbor Condo?
How long do homes in Sun Harbor Condo take to sell?
Who is the best real estate agent for Sun Harbor Condo?
How do I find a top Panama City real estate agent who knows Sun Harbor Condo?
Can Momentum Realty connect me with an agent for Sun Harbor Condo?
Where is Sun Harbor, and what county is it in?
Should you buy in Sun Harbor Condo?
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 26, 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 2013 (54 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 →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Sun Harbor Condo fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Sun Harbor with Momentum Realty’s local guides.