Whisper Dunes
Homes for Sale in Panama City Beach, FL
All 733 homes for sale in Panama City Beach, FL · median $368,500 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via CPAR MLS
As of October 2026, Whisper Dunes in Panama City Beach, FL has 8 homes for sale and 1 pending, asking from $300,000 to $589,000 (median $398,450). Over the 12 months ending 2026-09-20, 12 recorded sales closed at a median of $389,000, a median 91 days on market, sellers accepting 94% of original asking (+3% versus the prior year). Homes listed or recently sold were built 2008–2016; 9 of 9 report an HOA (median $262/mo); none of the 9 geocoded homes sit in a FEMA special flood hazard zone (median elevation 41 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $4,780 ($4,290 with the full homestead exemption).
Last 30 days in Whisper Dunes: 3 new listings (median asking $315,000), 1 under contract right now. As of October 17, 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 Whisper Dunes
Live MLS inventory for Whisper Dunes. 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 Whisper Dunes listings as of 2026-10-14, 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.
Whisper Dunes is a 2008-2018 build-out, and pricing here tracks the house itself rather than any shared amenity package — MLS data shows no community amenities identified, so square footage, finish level, and age within that ten-year window are doing the work. Median living space runs 2,063 square feet and the median build year sits at 2015, which puts the typical home in the newer half of the community's own range.
A market heat score of 44 alongside a median 89 days on market says this is not a fast-moving pocket right now — homes take real time to sell, and buyers who show up with patience and a clean offer have room to negotiate. Still, the 5.4% year-over-year gain shows prices have kept moving upward even with that slower pace, which points to steady underlying demand rather than urgency-driven bidding.
Whisper Dunes right now
🟡 Still climbing. The trailing-12-month median ($389K) is up 2.7% from the prior 12 months ($379K) and up 188% since 2012. With about 27 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: Medium (12 and 12 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 16, 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
Whisper Dunes market snapshot (as of September 20, 2026): the median sale price is about $389K, and a median 92 days on market for closed sales. The trailing-12-month median is up 3% from the prior 12 months and up 188% since 2012, computed from record-level CPAR MLS closed sales (12 closings in the current window).
In ZIP 32013 (Panama City Beach), 244 homes closed in the last 12 months at a median of $425K, down 4.5% year over year, with a median 76 days on market. Right now 171 active and 19 pending listings — a soft market. See the live ZIP 32013 housing market and the Bay County market.
County records show 21 qualified sales in Whisper Dunes across 2024–2025 (15 in 2024, 6 in 2025), median $335,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Whisper Dunes: of 8 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Panama City Beach.
Whisper Dunes is a community of 238 homes in Panama City Beach, Bay County, built between 2008 and 2018 (median 2015), with a median living area of about 2,058 square feet. 57% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Whisper Dunes is a single-decade build-out of roughly 250 homes in Panama City Beach, with no community amenities identified in current listings — the appeal here is the house, not a shared clubhouse or pool.
The setting & the homes.
Aerial and on-site photos of Whisper Dunes. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Whisper DunesPhotos from CPAR MLS listings in Whisper Dunes; content deemed reliable but not guaranteed.
Who Whisper Dunes is best for.
Best for
- Buyers targeting a home built within the last decade or so without paying for amenity overhead
- Buyers comfortable with a slower sales pace who can negotiate on timeline rather than compete on speed
- Investors or second-home buyers evaluating a market where a notable share of owners already hold non-homestead status
Probably not for
- Buyers who want on-site community amenities like a pool or clubhouse as part of the purchase
- Sellers who need a fast turnaround — median days on market here runs well over two months
- Buyers relying heavily on recent comparable sales, given the limited trailing closings count relative to total homes
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 ($389K) IS the median in the snapshot above, and the move from 2025 ($379K) IS the +2.7% one-year change.
Windows contain 3 to 60 sales each (12 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.
14% 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 (2026-10-17).
Whisper Dunes Market Scorecard
Whisper Dunes is currently a balanced market., a median asking price of $409,900, and homes go under contract in about 63 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.
Whisper Dunes 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 contributors.
The Whisper Dunes buying strategy.
If we were buying in Whisper Dunes 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 Whisper Dunes.
A decade-built community priced on the house, not the HOA
With homes built between 2008 and 2018 and a median year of 2015, Whisper Dunes reads as a relatively consistent construction era rather than a mix of decades-old and brand-new stock. That narrows the usual condition spread you'd see in an older neighborhood, though buyers should still expect variation in finish quality and updates across an 11-year build window.
The homestead share sits at 58.4%, meaning a meaningful portion of owners here are not claiming the property as a primary residence — worth noting in a beach-adjacent market where second homes and investment holds are common. Trailing closings in the current window numbered 11, a modest sample against 250 total homes, so buyers and sellers should treat any single comparable sale with some caution and lean on trend direction over any one data point.
The location and the amenities are priced into every listing in Whisper Dunes. 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 Whisper Dunes 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 4 factors (7.0). Basis: Long-Term Appreciation +188% since 2012; Recent Direction +2.7% year-over-year; Owner Commitment 57% owner-occupied; Pricing Power 93.7% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a community with no listed amenities and a thin trailing closings count, pricing a home correctly means reading the build-year and square-footage mix house by house rather than leaning on a community average. We track which recent sales are genuinely comparable — matched on age and size — so sellers aren't underpriced against newer stock and buyers aren't overpaying for an older unit in the same 11-year build window.
Whisper Dunes in 15 seconds.
What it really costs to own in Whisper Dunes
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $4,215/yr across 16 listings here (MLS tax records, 2026-10-16). |
|---|---|
| HOA dues | Median $262/month across 442 MLS listings (most billed quarterly; 2026-10-15). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The average Citizens Property Insurance premium in Bay County is $1,928/yr (1,264 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 8 listing addresses checked against the FEMA flood map, 100% sit outside the high-risk zone. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2014 across 18 listings. An original roof here is about 12 years old: still inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage. |
Estimated carrying cost at the median asking price, before the mortgage: about $774/month (tax $351, HOA $262, insurance $161). An estimate from the sources above, not a quote.
Email me new listings in Whisper Dunes
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Whisper Dunes
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Whisper Dunes will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $262/month (about $3,144/yr) · median of 442 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $262 per month ($3,144 a year) — the median AssociationFee across 442 MLS records, normalised to a monthly figure; most are billed quarterly. 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.
Flood & Insurance Context
Of 8 sampled listing addresses in this community: 100% outside the FEMA Special Flood Hazard Area (Zone X/B/C).
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=8) · as of 2026-10
Tools for a Whisper Dunes 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 Whisper Dunes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Whisper Dunes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Whisper Dunes home worth?
Get a no-obligation home value based on real comparable sales in Whisper Dunes, 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 Whisper Dunes
Homes in Whisper Dunes 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. 3 on record.
- 220 Laurel Oak Lane · off market
- 300 Sand Oak Boulevard · off market
- 314 Blue Sage Road · off market
| Location | Panama City Beach, Bay County, FL · ZIP 32013, 32407, 32413 |
|---|---|
| Homes in the community | 238 (FL DOR 2025 assessment roll) |
| Years built | 2008–2018 (median 2015) |
| Typical living area | 2,058 sq ft (median) |
| Home types (current listings and sales) | singlefamilyresidence 56%, attached 33%, condos 11% |
| Sale prices, last 12 months | $389,000 median across 12 closed sales · +2.7% vs the prior 12 months |
| Days on market (closed sales) | 91 median |
| For sale right now | 9 active, 1 pending · median asking $409,900 |
| Owner-occupied (homestead) share | 57% |
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, “Whisper Dunes key facts,” movewithmomentum.com/neighborhoods/whisper-dunes, data as of September 20, 2026.
Just listed in Whisper Dunes
The newest homes for sale in Whisper Dunes right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 323 Blue Sage Road, Panama City Beach, FL 32413 $525,000 · 3 bd · 2 ba · 1 day on market Courtesy of Christies International Real Estate Emerald Coast
- 109 Sand Oak Boulevard 109, Panama City Beach, FL 32413 $309,000 · 3 bd · 3 ba · 19 days on market Courtesy of Beycome of Florida LLC
- 127 Sand Oak Boulevard, Panama City Beach, FL 32413 $315,000 · 3 bd · 3 ba · 23 days on market Courtesy of The Premier Property Group
- 339 Blue Sage Road, Panama City Beach, FL 32413 $589,000 · 5 bd · 3 ba · 63 days on market Courtesy of Beachy Beach Real Estate
- 217 Blue Sage Road, Panama City Beach, FL 32413 $427,000 · 3 bd · 2 ba · 63 days on market Courtesy of Berkshire Hathaway HomeServices PenFed
- 229 Sand Oak Boulevard, Panama City Beach, FL 32413 $300,000 · 3 bd · 3 ba · 113 days on market Courtesy of Keller Williams Success Realty
Checked against the MLS Oct 16, 2026. All new listings in this market.
Every Home for Sale in Whisper Dunes Right Now (10)
All 10 active and pending Whisper Dunes listings with a detail page, newest first, refreshed twice a day from the MLS.
- 109 Sand Oak Boulevard 109, Panama City Beach, Fl 32413 · $309,000 · 3 bd / 3 ba · listed Sep 17, 2026 · listed by Beycome of Florida LLC
- 323 Blue Sage Road, Panama City Beach, Fl 32413 · $525,000 · 3 bd / 2 ba · listed Sep 10, 2026 · listed by Christies International Real Estate Emerald Coast
- 127 Sand Oak Boulevard, Panama City Beach, Fl 32413 · $315,000 · 3 bd / 3 ba · listed Sep 6, 2026 · listed by The Premier Property Group
- 217 Blue Sage Road, Panama City Beach, Fl 32413 · $427,000 · 2 bd / 2 ba · listed Aug 29, 2026 · listed by Berkshire Hathaway HomeServices PenFed
- 339 Blue Sage Road, Panama City Beach, Fl 32413 · $589,000 · 5 bd / 3 ba · listed Aug 5, 2026 · listed by Beachy Beach Real Estate
- 207 Blue Sage Road, Panama City Beach, Fl 32413 · $495,000 · 3 bd / 2 ba · listed Jul 16, 2026 · listed by EXP Realty LLC
- 112 Sand Oak Boulevard, Panama City Beach, Fl 32413 · $369,900 · 3 bd / 3 ba · listed Jul 16, 2026 · listed by Think Real Estate
- 229 Sand Oak Boulevard, Panama City Beach, Fl 32413 · $300,000 · 3 bd / 3 ba · listed Jul 16, 2026 · listed by Keller Williams Success Realty
- 300 Sand Oak Boulevard, Panama City Beach, Fl 32413 · $409,900 · 3 bd / 3 ba · listed Jul 16, 2026 · listed by Berkshire Hathaway HomeServices Beach Properties of Florida
- 109 Blue Sage Road, Panama City Beach, Fl 32413 · $449,000 · 3 bd / 2 ba · pending · listed Jul 16, 2026 · listed by Berkshire Hathaway HomeServices Beach Properties of Florida
More Panama City Beach home searches
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Blue Sage Road (24 homes on record)
- Blue Sage Road (3 homes on record)
- Panama City Beach Parkway (1 homes on record)
Recent Developments in Whisper Dunes
Development, infrastructure, retail, and school activity affecting Whisper Dunes, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- October 2026Development
Tyndall Air Force Base rebuild continues with about 140 new facilities
WJHG reports Tyndall AFB is rebuilding with roughly 140 new hurricane-resistant facilities after Hurricane Michael in 2018, and now hosts F-35 squadrons. Most current projects are expected to finish by 2027, while other buildings await congressional funding and the work has faced labor and budget constraints.
What it may mean for the marketContinued base construction and F-35 operations sustain military and contractor employment and construction activity in the eastern Bay County area. The site is about 8 miles south of Whisper Dunes.
Source: WJHG - September 2026Retail & Dining
Panama City meets Houston developer interested in part of Panama City Mall site
Panama City officials met a Houston developer interested in buying a portion of the largely vacant Panama City Mall, owned by Hendon Properties, with a retail focus. Discussions covered rezoning, possible CRA participation and plan submittal. The mayor called the FDOT US 231 widening, planned to six lanes from US 98 to SR 20, the biggest holdup.
What it may mean for the marketPossible retail redevelopment of a large vacant site could add shopping options near the US 231 corridor, with timing tied to road widening and rezoning. The project is about 6 miles west of Whisper Dunes, elsewhere in Bay County.
Source: WJHG - August 2026Development
Deal reached to redevelop historic Panama City Grammar School into apartments and townhomes
Panama City reached a deal for developer Zachary Seymour to buy the 1914 Panama City Grammar School on East Seventh Street and convert it to apartments and townhomes. The city would waive about $375,000 in code fines and a $100,000 CRA grant is pending approval. Seymour has one year to finish structural repairs to roofs, windows and doors.
What it may mean for the marketReuse of a vacant historic building would add downtown-area residential units and remove a long-standing vacant property. The project is about 6 miles west of Whisper Dunes, elsewhere in Bay County.
Source: WJHG - August 2026Infrastructure
HCA Florida Gulf Coast Hospital announces $125 million expansion
HCA Florida Gulf Coast Hospital announced a $125 million expansion on its 23rd Street campus, including a new patient tower with 34 additional beds, a 16-bed orthopedic and spine unit, a fourth cath lab, an expanded women's center and a 5,000-square-foot outpatient entrance expansion. The project is in design, with construction of 24 to 36 months and completion targeted for 2029.
What it may mean for the marketAdded hospital capacity and specialty services would improve local healthcare access and add medical-sector employment along the 23rd Street corridor. The site is about 7 miles west of Whisper Dunes.
Source: WJHG - August 2026Infrastructure
Bay County approves $13.5 million water treatment plant expansion
Bay County commissioners approved a $13.5 million contract with NCMC Construction to add three large sand filters (30 by 50 feet each) to the county water treatment plant, which now runs 11 filters. Construction is expected to start soon and take about a year, and officials say water bills should not rise because of it.
What it may mean for the marketAdded filtration and backup capacity supports water service reliability for a county where demand has more than doubled in 15 years. The site is about 5 miles northwest of Whisper Dunes.
Source: WJHG - June 2026Development
Panama City commissioners approve Community Development District for 1,800-home neighborhood
Panama City commissioners approved a Community Development District for a planned neighborhood of about 1,800 homes east of John Pitts Road in north Panama City. Under the CDD, road maintenance within the neighborhood stays with the district rather than transferring to the city.
What it may mean for the marketA new large-scale residential district adds housing supply and internally maintained streets to the north Panama City market. The project is about 3 miles northwest of Whisper Dunes, elsewhere in Bay County.
Source: WJHG News Channel 7
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Frequently Asked Questions
What is the median home price in Whisper Dunes?
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How many homes are in Whisper Dunes?
What share of Whisper Dunes is owner-occupied?
When were the homes in Whisper Dunes built?
Have Whisper Dunes home prices gone up?
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Is Whisper Dunes a good place to live?
Should you buy in Whisper Dunes?
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 14, 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 (3 streets, ZIP 32013/32407/32413)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (391 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.
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More on Whisper Dunes
- Home values · What homes in Whisper Dunes actually sell for
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