6576 Harbour Boulevard, Panama City Beach, FL 32407
Sources: CPAR (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
6576 Harbour Boulevard in Harbour Towne, Panama City Beach is listed at $499,900. It has been listed Oct 26, 2026. Listing facts: built in 1992, HOA dues of $174/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- Built 1992 · 34 yrs
- listed Oct 26, 2026
- HOA $174/mo (per listing)
About this home
HUGE PRICE REDUCTION!!! Home has been appraised by HW Falke and priced to sell! Appraiser measured (see Docs) Welcome to your own slice of waterfront paradise!
Nestled along a peaceful canal in the gated Harbour Town Village community, this adorable 3-bedroom, 2-bath home offers the perfect blend of coastal charm, comfort, and boating convenience, with direct access to St. Andrews Bay! Boating enthusiasts will fall in love with the custom dock and impressive 10' x 32' boathouse, complete with an 8,000-pound boat lift designed to accommodate a variety of vessels, including V-hull boats and pontoons.
Imagine stepping outside your back door, hopping on your boat, and spending the day cruising the bay, exploring Shell Island, or enjoying everything the Emerald Coast has to offer! The waterfront lifestyle doesn't stop at boating! Enjoy your morning coffee or unwind at the end of the day in the inviting Florida room, complete with air conditioning for year-round comfort, or head down to the dockside seating area to relax and take in the peaceful canal views.
It's the perfect setting for enjoying the coastal scenery and making memories with family and friends. Inside, you'll find thoughtful updates, including tile and granite countertops in the kitchen and bathrooms. Additional improvements include a tankless water heater, a new roof and gutters in 2018, and an HVAC system installed in 2023.
Enjoy the ease of low-maintenance living with an HOA fee of just $173.50 per month, which includes lawn care, trash service, and basic cable. Residents also enjoy two community swimming pools, pickleball and tennis courts, and the privacy of a gated community. Long-term and short term rentals are permitted, providing flexibility for homeowners and investors alike.
Whether you're looking for a primary residence, coastal retreat, or investment opportunity, this charming waterfront home offers an incredible opportunity to embrace the boating lifestyle. Your waterfront escape awaits--come experience the charm of Harbour Town Village and start making memories on the water!
All 38 photos
Description provided by Think Real Estate and reproduced from the MLS; not independently verified.
Comparable recent sales
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for Harbour Towne. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $2,690/mo 75%
- Taxes $460/mo 13%
- Insurance $250/mo 7%
- HOA $174/mo 5%
$3,575/mo at 20% down, 30-yr @ 7.11% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Central Panhandle AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 6576 Harbour Boulevard
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $1,500/yr (certified county roll, taxable value × millage). Buy at the asking price of $499,900 and the first-year bill resets to about $5,525/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 12.28 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | $174/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| 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 differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $2,000–$4,500/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 1992. An original roof would be about 34 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Estimated carrying cost at the asking price, before the mortgage: about $795/month (tax $460, HOA $174, insurance $161). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Bay County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Natural hazard risk
FEMA National Risk Index for Bay County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
This home’s history
- 1992BuiltPer public record
- About Oct 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Oct 24, 2026)
- Oct 24, 2026First seen on our siteObserved at $550,000
- Oct 30, 2026Price cut$499,900 (-$50,100, -9.1%)
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
The Momentum read
41% of homes in Harbour Towne are owner-occupied. An estimated 59% are non-owner-occupied, including 6% held in a company or trust and 25% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 130 homes matched. Community-level context.
What’s unique here: one of only 7 active listings in Harbour Towne, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS November 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 6576 Harbour Boulevard?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by Think Real Estate · MLS # 796985
Request a showing
Similar homes for sale near Harbour Towne
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in Panama City Beach
- 8738 Sand Dollar Drive, Panama City Beach, FL 32413, Panama City Beach · $399,000 · 2 bd / 2 ba · listed November 14, 2026 (courtesy of Coldwell Banker Realty)
- 9860 S Thomas Drive 1603, Panama City Beach, FL 32408, Panama City Beach · $252,000 · 1 bd / 2 ba · listed November 14, 2026 (courtesy of Panhandle Real Estate)
- 8816 Attitude Avenue, Panama City Beach, FL 32413, Panama City Beach · $439,000 · 2 bd / 2 ba · listed November 14, 2026 (courtesy of EXP Realty LLC)
- 1622 Acre Circle, Panama City Beach, FL 32407, Panama City Beach · $147,999 · 2 bd / 2 ba · listed November 14, 2026 (courtesy of EXP Realty LLC)
- 154 Grand Heron Drive, Panama City Beach, FL 32407, Panama City Beach · $695,000 · 5 bd / 4 ba · listed November 14, 2026 (courtesy of Coldwell Banker Realty)
- 6422 W Highway 98 106, Panama City Beach, FL 32407, Panama City Beach · $777,000 · 3 bd / 3 ba · listed November 13, 2026 (courtesy of Gulf Life Real Estate Inc)
Recently off market in Harbour Towne
- 6532 Harbour Boulevard · last listed $324,900 · 2026-11-08
Just listed: new homes for sale in this area in the last 48 hours · updated hourly · RSS · This area market today: new listings, price cuts, pendings
More on Harbour Towne
Go deeper on Harbour Towne
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Bay County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
See schools in the Harbour Towne guide → · Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →What homes sell for in 32407 — recent sale prices by community.
View →Median price, days on market and supply from MLS data.
View →Buyer research checklist
Items worth confirming for 6576 Harbour Boulevard, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1992 (34 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- HOA dues are listed at $174/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
- Get a homeowners insurance quote for this specific address in Bay County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Confirm square footage and room dimensions independently.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $5,525/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $4,025 more per year than the current owner’s estimated bill (+268%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | CPAR, checked against the MLS hourly (last: November 14, 2026) |
| Comparable sales | Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of CPAR records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 6576 Harbour Boulevard and when was it built?
Per the listing record, 6576 Harbour Boulevard was built in 1992 and has 3 bedrooms and 2 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 6576 Harbour Boulevard in?
6576 Harbour Boulevard is in Harbour Towne in Panama City Beach, Bay County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 6576 Harbour Boulevard have an HOA, and how much are the dues?
The listing reports HOA dues of $174 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 6576 Harbour Boulevard differ from the current owner's?
The estimate on this page (about $5,525 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $4,025 more per year than the current owner’s estimated bill (+268%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 6576 Harbour Boulevard in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 6576 Harbour Boulevard in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Momentum Realty · licensed in FL & GA
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Central Panhandle Association of REALTORS® Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Central Panhandle Association of REALTORS®. © 2026 Central Panhandle Association of REALTORS®, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.