32401 Homes for Sale — Panama City, FL

Every active MLS listing in Panama City’s 32401 ZIP code, refreshed nightly, with the price bands, the property mix and the communities that have the most homes for sale. For the whole city see homes for sale in Panama City, FL (253 listings); for the ZIP’s values, taxes and growth see the 32401 housing scorecard.

32401 at a glance

ZIP 32401 is Panama City, Bay County, FL. The numbers below are computed from MLS closings and live listings for every community in the ZIP and refresh with each data pull.

Where it isPanama City, Bay County, FL
Communities125 MLS communities, 38 with 12-month sales data
Median sold price, 12 months$307K (+0.5% year over year)
For sale / under contract now166 / 29
Days to contract (median)62
New construction share of sales19%
Sale-to-original-list94.5%
By price band (for sale / sold 12 mo / months)Under $300K: 56 / 0 / None; $300K–$500K: 32 / 0 / None; $500K–$750K: 78 / 0 / None
FEMA flood zone (SFHA) shareabout 27% of 37 sampled homes in the ZIP's largest communities sit in a Special Flood Hazard Area
Communities with the most salesSweetbay ($535K), Callaway ($210K), Cove Terrace ($345K), Sudduths ($270K), Springfield ($194K), The Glades ($472K)

32401 housing market tracker · all homes for sale in Panama City, FL · Bay County property tax

117 homes are for sale in ZIP 32401 (Panama City, FL) right now, from $164,950 to $550,000 for the middle 80%, at a median asking price of $260,000. , built 1984; 20 came on the market in the last 7 days and 26% are new construction.

Newest homes for sale in 32401

Harbour Village At Historic St Andrews
$880,000 New
3 bd · 3 ba · built 2006
3001 W 10Th Street 203, Panama City, Fl 32401
Harbour Village At Historic St Andrews
Listing courtesy of Hitchcock Real Estate LLC
Cove
$512,000 New
3 bd · 2 ba · built 1949
1002 E 2Nd Court, Panama City, Fl 32401
Cove
Listing courtesy of Stars Realty
Grove Hill
$350,000 New
6 bd · 4 ba · built 2023
147/ 149 Claire Avenue, Panama City, Fl 32401
Grove Hill
Listing courtesy of ERA Neubauer Real Estate Inc
Cove Terrace
$324,900 New
3 bd · 2 ba · built 1950
118 N Gayle Avenue, Panama City, Fl 32401
Cove Terrace
Listing courtesy of CENTURY 21 Commander Realty
Cove Condominium
$310,000 New
2 bd · 2 ba · built 1975
100 Cherry Street 501, Panama City, Fl 32401
Cove Condominium
Listing courtesy of Coldwell Banker Realty
Landmark On St. Andrews Bay
$285,000 New
2 bd · 1 ba · built 1969
2100 W Beach Drive Zs101, Panama City, Fl 32401
Landmark On St. Andrews Bay
Listing courtesy of Think Real Estate
Highland City
$269,900 New
3 bd · 2 ba · built 2026
1026 Mulberry Avenue, Panama City, Fl 32401
Highland City
Listing courtesy of Hope Realty of Bay County LLC
Bayou
$256,000 New
3 bd · 2 ba · built 2026
1141 Bay Avenue, Panama City, Fl 32401
Bayou
Listing courtesy of AMERICAN REALTY of Bay Co, Inc
Glenwood
$240,000 New
3 bd · 2 ba · built 2026
707 E 10Th Court, Panama City, Fl 32401
Glenwood
Listing courtesy of Keller Williams Success Realty
Grove Hill
$225,000 New
3 bd · 2 ba · built 2026
151 Harlem Avenue, Panama City, Fl 32401
Grove Hill
Listing courtesy of Beachy Beach Real Estate
Lincoln Park
$199,000 New
2 bd · 3 ba · built 2026
1421 Martin Luther King Junior Boulevard C, Panama City, Fl 32401
Lincoln Park
Listing courtesy of JC Real Estate Group, LLC.
Harris
$329,900 New
3 bd · 2 ba · built 2026
605 Garden Club Drive, Panama City, Fl 32401
Harris
Listing courtesy of Anchor Realty Florida
Welch
$249,000 New
4 bd · 2 ba · built 1945
331 Maine Avenue, Panama City, Fl 32401
Welch
Listing courtesy of EXP Realty LLC
Carver Heights
$215,000 New
2 bd · 2 ba · built 2006
1222 Louisiana Avenue, Panama City, Fl 32401
Carver Heights
Listing courtesy of JONES REAL ESTATE AND RENTALS LLC
Harbour Village At Historic St Andrews
$909,000 New
3 bd · 4 ba · built 2006
3001 W 10Th Street 510, Panama City, Fl 32401
Harbour Village At Historic St Andrews
Listing courtesy of Think Real Estate
Cove Terrace
$214,900 New
3 bd · 2 ba · built 1952
901 E 2Nd Place, Panama City, Fl 32401
Cove Terrace
Listing courtesy of Joseph Walter Realty LLC
Dixie Heights
$192,500 New
2 bd · 1 ba · built 1970
813 E 12Th Court, Panama City, Fl 32401
Dixie Heights
Listing courtesy of Foundation Real Estate Agency LLC
Sudduths
$499,000 New
4 bd · 3 ba · built 1984
339 Mercedes Avenue, Panama City, Fl 32401
Sudduths
Listing courtesy of Counts Real Estate Group Inc
Bayview
$189,000 New
3 bd · 2 ba · built 1952
4002 W 17Th Street, Panama City, Fl 32401
Bayview
Listing courtesy of EXP Realty LLC
Emmons
$160,000 New
2 bd · 1 ba · built 1950
605 Elm Avenue, Panama City, Fl 32401
Emmons
Listing courtesy of EXP Realty LLC
Cogburn'S
$350,000
4 bd · 2 ba · built 1963
802 Skyland Avenue, Panama City, Fl 32401
Cogburn'S
Listing courtesy of Keller Williams Success Realty
Bayside
$436,400
4 bd · 3 ba · built 2019
1003 W 10Th Court, Panama City, Fl 32401
Bayside
Listing courtesy of Beach Haven Realty
Chapel Estates
$189,000
3 bd · 1 ba · built 1965
1136 Transmitter Road, Panama City, Fl 32401
Chapel Estates
Listing courtesy of Think Real Estate
Bunkers Cove
$299,999
4 bd · 1 ba · built 1954
802 E 2Nd Street, Panama City, Fl 32401
Bunkers Cove
Listing courtesy of RE Florida Homes
Keiths Bay Harbor
$230,000
3 bd · 2 ba · built 2022
2806 E 3Rd Street, Panama City, Fl 32401
Keiths Bay Harbor
Listing courtesy of Keller Williams Success Realty
Gwaltney Estates
$425,000
4 bd · 2 ba · built 1950
910 Calhoun Avenue, Panama City, Fl 32401
Gwaltney Estates
Listing courtesy of Investors Advantage RE
Sudduths
$399,000
4 bd · 2 ba · built 1943
312 N Cove Boulevard, Panama City, Fl 32401
Sudduths
Listing courtesy of The Travare Brokerage Firm
Sun Harbor Condo
$327,000
2 bd · 2 ba · built 1984
5505 Sun Harbor Road 181, Panama City, Fl 32401
Sun Harbor Condo
Listing courtesy of EXP Realty LLC
Pinecrest
$289,900
3 bd · 2 ba · built 2026
523 N Church Avenue, Panama City, Fl 32401
Pinecrest
Listing courtesy of EXP Realty LLC
Holmes
$244,000
3 bd · 2 ba · built 2024
223 N East Avenue, Panama City, Fl 32401
Holmes
Listing courtesy of Beach Haven Realty

Every home for sale in 32401 right now (117)

All 117 active listings in ZIP 32401 with a detail page, newest first, refreshed twice a day from the MLS.

Homes for sale in 32401 by price

Price bandFor saleShare
Under $200K2521%
$200K–$300K5446%
$300K–$400K1513%
$400K–$500K98%
$500K–$750K54%
$750K+98%

Communities in 32401 with the most homes for sale

How to read this

Counts and medians are from active MLS listings with a 32401 mailing ZIP as of October 13, 2026; property mix Single-family 62%, Condo 16%. Prices are asking prices. Listings are shown with the courtesy of the listing brokerage under IDX rules; information deemed reliable but not guaranteed. Other Panama City ZIP codes: 32404, 32408, 32405, 32409. See also homes for sale in Bay County. More: Panama City condos, luxury homes in Panama City, new listings this week in Panama City.

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