Annabella's Townhomes
Homes for Sale in Panama City Beach, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via CPAR MLS
As of September 2026, Annabella'S Townhomes in Panama City Beach, FL has 4 homes for sale and 1 pending, asking from $220,000 to $299,999 (median $265,000). Over the 12 months ending 2026-09-12, 13 recorded sales closed at a median of $232,000, a median 91 days on market, sellers accepting 91% of original asking (-15% versus the prior year). Homes listed or recently sold were built 2006–2013; 5 of 5 report an HOA (median $386/mo); none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 17 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $2,850 ($2,360 with the full homestead exemption).
Homes For Sale Right Now in Annabella's Townhomes
Live MLS inventory for Annabella's Townhomes. 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 Annabella's Townhomes listings as of 2026-09-12, 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.
Annabella's Townhomes is trading at a median of $236,000, and the current posture is soft: prices are down 13.4% year over year and the market heat score sits at 17, which points to a buyer-favorable window rather than a competitive one. With a median 82.5 days on market, homes here are not moving fast, so sellers need to price to condition rather than to expectation.
Only 14 closings in the recent window means this is a thin data set — enough to read direction, not enough to call it precise. Buyers can negotiate on terms and timeline; sellers should expect a longer marketing period and should lean on presentation and pricing discipline rather than assuming quick absorption.
Annabella's Townhomes right now
🔴 Off the recent peak. The trailing-12-month median ($232K) is down 15.3% from the prior 12 months ($274K) and up 100% since 2012. With about 17 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 12. Confidence: Medium (13 and 6 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated September 12, 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
Annabella's Townhomes market snapshot (as of September 12, 2026): the median sale price is about $232K, and a median 91 days on market for closed sales. The trailing-12-month median is down 15% from the prior 12 months and up 100% since 2012, computed from record-level CPAR MLS closed sales (13 closings in the current window).
This is a smaller townhome community where the recent pricing pullback and extended time on market suggest a buyer-friendly stretch, though limited closing volume means any single sale can move the numbers.
The setting & the homes.
Aerial and on-site photos of Annabella's Townhomes. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Annabella's Townhomes
Annabella's Townhomes
Annabella's Townhomes
Annabella's Townhomes
Annabella's TownhomesPhotos from CPAR MLS listings in Annabella's Townhomes; content deemed reliable but not guaranteed.
Who Annabella's Townhomes is best for.
Best for
- A buyer prioritizing a lower entry point in Panama City Beach and comfortable with a longer purchase or negotiation timeline.
- An investor or second-home buyer evaluating unit-level condition and location rather than community amenities.
- A buyer who wants room to negotiate given the current below-median-heat, longer-days-on-market environment.
Probably not for
- A buyer who wants on-site community amenities as part of the purchase.
- A seller expecting a fast sale without adjusting price to current conditions.
- A buyer relying on short-term price appreciation given the recent year-over-year decline.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level CPAR MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($232K) IS the median in the snapshot above, and the move from 2025 ($274K) IS the -15.3% one-year change.
Windows contain 4 to 38 sales each (13 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.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Bay County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Bay County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
Annabella'S Townhomes Market Scorecard
Annabella'S Townhomes is currently a thin data market. Limited supply, a median asking price of $265,000, and homes go under contract in about 110 days.
Typical home value in the 32407 ZIP is $393,967, right around the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Annabella'S Townhomes, Panama City Beach
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.
Annabella's Townhomes 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 Annabella's Townhomes buying strategy.
If we were buying in Annabella's Townhomes 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 Annabella's Townhomes.
Reading the slowdown
The headline number worth sitting with is the 13.4% year-over-year decline against a longer-run gain of 103% since 2012. That combination tells a story of a community that built substantial value over more than a decade and is now giving some of it back in the short term — not unusual for smaller inventory pools where a handful of sales can swing the median in either direction.
The 82.5-day median time on market, paired with a market heat score of 17, confirms this is not a fast-moving segment right now. No community amenities are identified from current MLS listings, so value here is driven by the unit itself — layout, condition, location within Panama City Beach — rather than shared recreational features. Buyers should factor that into how they compare this community against others in Bay County.
The location and the amenities are priced into every listing in Annabella's Townhomes. 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 Annabella's Townhomes 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 3 factors (4.4). Basis: Long-Term Appreciation +100% since 2012; Recent Direction -15.3% year-over-year; Pricing Power 91.2% sale-to-list. Refreshed with each data update.
Why work with Momentum here
With only 14 recent closings and a soft heat score, pricing this community correctly takes a close read of individual unit condition and recent comparables rather than a generic market template. We track the actual listings and closed data here so you are negotiating from current numbers, not last year's assumptions.
Annabella's Townhomes in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
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 Annabella's Townhomes 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 Annabella's Townhomes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Annabella's Townhomes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Annabella's Townhomes home worth?
Get a no-obligation home value based on real comparable sales in Annabella's Townhomes, 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 homes for sale in Annabella's Townhomes on the map →
Frequently Asked Questions
What is the median home price in Annabella's Townhomes?
How long do homes in Annabella's Townhomes take to sell?
Have Annabella's Townhomes home prices gone up?
Who is the best real estate agent for Annabella's Townhomes?
How do I find a top Panama City Beach real estate agent who knows Annabella's Townhomes?
Can Momentum Realty connect me with an agent for Annabella's Townhomes?
Should you buy in Annabella's Townhomes?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Annabella's Townhomes with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 12, 2026 |
| Under-contract shares | CPAR MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2012 (292 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.
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See how Annabella'S Townhomes fits the bigger picture — live prices, inventory, and Momentum Scores: