Momentum Housing Data · Home Values · Bay County
Buying here? See Top of the Gulf Condo. homes for sale and the Top of the Gulf Condo. community guide (Panama City Beach).
Top Of The Gulf Condo. (Panama City Beach, FL): 14 recorded closings in the 12 months ending 2026-09-20, a 15-year price record, and the year-by-year record — every number from recorded MLS closings, none from an estimate model.
In the current window, sellers accepted a median 92.0% of original asking; the median sale took 75 days (window ending 2026-09-20).
| Year | Median sold | Median $/sqft | Median DOM | Sold ÷ original ask | Sales |
|---|---|---|---|---|---|
| 2026 | $219,950 | — | 75 | 92.0% | 14 |
| 2025 | $224,500 | — | 110 | 92.2% | 4 |
| 2024 | $249,450 | — | 24 | 96.1% | 16 |
| 2023 | $250,000 | — | 30 | 93.2% | 9 |
| 2022 | $234,900 | — | 12 | 97.8% | 23 |
| 2021 | $165,250 | — | 14 | 97.7% | 18 |
| 2020 | $145,000 | — | 72 | 93.0% | 14 |
| 2019 | $135,000 | — | 16 | 97.9% | 15 |
| 2018 | $105,000 | — | 81 | 96.1% | 17 |
| 2017 | $90,000 | — | 100 | 94.6% | 19 |
| 2016 | $79,000 | — | 90 | 90.9% | 14 |
| 2015 | $70,500 | — | 176 | 91.0% | 21 |
| 2014 | $64,000 | — | 44 | 85.5% | 15 |
| 2013 | $64,825 | — | 14 | 88.9% | 12 |
| 2012 | $52,900 | — | 102 | 87.5% | 11 |
Over the recorded series, Top Of The Gulf Condo.’s median sold price moved from $52,900 (2012) to $219,950 (12 months ending 2026-09-20) — +316% over that span, with every year’s figure from recorded closings, not a model.
The recorded series starts in 2012 at $52,900. The 2020–22 run-up did what it did everywhere — Top Of The Gulf Condo.’s median moved +74% from 2019 to 2022. Against the 2023 peak of $250,000, the current median stands at -12%. Annual sales volume here has ranged from 4 to 23 closings a year (10-yr average 14.9). With roughly 14.9 closings a year, Top Of The Gulf Condo.’s medians move in steps, not curves — a handful of unusual sales can swing a year, which is why the sales count sits next to every figure above.
From the live MLS feed as of 2026-10-01: 9 active listings (plus 0 pending) asking from $199,999 to $259,000, median $236,000; 3 of 9 have been on the market over 60 days (median 50 days so far); the homes listed or recently sold were built between 1976 and 1976 (median 1976); 9 of 9 listed or recently sold homes report an HOA, median $525/mo; 2 of 8 geocoded listed or recently sold homes sit inside a FEMA special flood hazard zone (A/V), which buyers’ lenders will price into insurance; median elevation 13 ft. For a seller this is the competition a buyer will tour alongside your home; for a buyer, the stale share is where negotiating room usually is. See the current Top Of The Gulf Condo. listings →
At Top Of The Gulf Condo.’s $219,950 median and Bay County’s adopted 12.28 mills (FY2025-26), a home assessed at that price carries roughly $2,700 a year in property tax before exemptions, or about $2,220 with the full Florida homestead exemption — a buyer’s first-year figure; a long-time owner’s Save Our Homes cap can be far lower, which is one reason resale taxes jump at closing. Municipal and special-district millage varies inside the county; see the Bay County tax page.
Current asking prices run a median $236,500 against the $219,950 recorded sold median (+8%) — the gap between what sellers hope and what the record shows. Demand check: 0% of Top Of The Gulf Condo.’s listings are under contract, against 14% for ZIP 32407 and 17% for Bay County as a whole — the community is currently absorbing slower than its surroundings, which is negotiating information. Momentum’s market-heat index for Top Of The Gulf Condo. reads 30/100 (computed from DOM, sale-to-list, and absorption; 2020–21 peaked in the 70s here).
Asking and recorded sold prices are within a few percent of each other here, so the table above is close to what a Top Of The Gulf Condo. buyer will actually pay; the spread on any single home comes down to size, condition and timing.
We don’t publish algorithm guesses for specific homes — they can’t see condition, upgrades, or your lot. A local agent will prepare a records-based valuation from the same closed-sale data on this page, adjusted for your home. Free, no obligation.
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Communities buyers shopping Top Of The Gulf Condo. are also weighing (nearest by map distance), each on its own recorded 12-month closings. A median well above the neighbors is a ceiling to price against; well below is where the value argument lives.
| Community | Median sold | Median $/sqft | Median DOM | Sales |
|---|---|---|---|---|
| Boardwalk Central | $570,000 | — | 96 | 12 |
| The Summit | $295,000 | — | 183 | 13 |
| Summit | $302,950 | — | 44 | 14 |
| Sugar Beach Condo | $360,000 | — | 75 | 12 |
More Top Of The Gulf Condo.: full community guide & homes for sale · choosing an agent here · should you sell now (statewide data) · what selling costs · cash offer vs. listing
Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Compiled from recorded MLS closings; deemed reliable but not guaranteed. Figures are medians for the stated windows and change as new sales record; individual homes vary widely. No automated valuation for any specific property appears on this page. Equal Housing Opportunity. © 2026 Move With Momentum LLC — brokerage licensed in FL and GA. Disclosures
Content on this page is compiled from public records, MLS data, and automated data sources, and may contain errors or be out of date. It is provided for general information only and is not a representation about any specific property, community, builder, or association. Verify all information independently before relying on it.