Annabella's Townhomes
Homes for Sale in Panama City Beach, FL
All 726 homes for sale in Panama City Beach, FL · median $369,000 · 396 homes for sale in 32407 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of November 2026, Annabella'S Townhomes in Panama City Beach, FL has 4 homes for sale and 1 pending, asking from $200,000 to $276,990 (median $254,500). Over the 12 months ending 2026-11-11, 3 recorded sales closed at a median of $280,000, a median 44 days on market, sellers accepting 97% of original asking. Homes listed or recently sold were built 2006–2013; 5 of 5 report an HOA (median $387/mo); none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 16 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $3,440 ($2,950 with the full homestead exemption).
Last 30 days in Annabella's: 3 new listings (median asking $269,000), 1 under contract right now. As of November 11, 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 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 · 1 daysTop listing
Active · 24 days
Active · 189 days
Active · 7 daysActive and pending Annabella's Townhomes listings as of 2026-11-12, 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.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Annabella's Townhomes right now
🟢 Buyer-leaning market. 16.0 months of supply and 20% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of CPAR MLS records, as of November 11, 2026. Confidence: Medium (5 active and pending listings, 3 closed sales in 12 months).
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· Updated November 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 November 11, 2026): the median sale price is about $280K, a median 44 days on market for closed sales, and 16.0 months of supply, a buyer-leaning market.
In ZIP 32407 (Panama City Beach), 198 homes closed in the last 12 months at a median of $376K ($183/sq ft), down 15.4% year over year, with a median 65 days on market. Right now 207 active and 61 pending listings put supply at about 12.5 months — a soft market. See the live ZIP 32407 housing market and the Bay County market.
CPAR sales records identify 55 homes in Annabella'S Townhomes that have changed hands since 2014, built between 2006 and 2017 (median 2015), with a median living area of about 1,653 sq ft and a typical 3-bedroom, 2.5-bath layout; 82% are townhomes. Source: CPAR closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
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 TownhomesAnnabella's TownhomesAnnabella's TownhomesAnnabella'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.
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 contributors.
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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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.
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.
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.
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Recently off market in Annabella'S Townhomes
Homes in Annabella'S Townhomes 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. 6 on record.
- 1723 Annabellas Drive · off market
- 1734 Annabellas Drive · off market
- 1737 Annabellas Drive 1737 · off market
- 1741 Annabellas Drive · off market
- 8203 Annabella's Lane · off market
- 8206 Annabella's Lane · off market
| Location | Panama City Beach, Bay County, FL · ZIP 32407 |
|---|---|
| Home types (current listings and sales) | attached 100% |
| Sale prices, last 12 months | $280,000 median across 3 closed sales |
| Days on market (closed sales) | 44 median |
| For sale right now | 4 active, 1 pending · median asking $254,500 · 16.0 months of supply |
Data as of November 11, 2026. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Market figures describe homes, not residents. Cite as: Momentum Realty, “Annabella's Townhomes key facts,” movewithmomentum.com/neighborhoods/annabella-s-townhomes, data as of November 11, 2026.
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.
Every Home for Sale in Annabella S Townhomes Right Now (5)
All 5 active and pending Annabella S Townhomes listings with a detail page, newest first, refreshed twice a day from the MLS.
- 1706 Annabellas Drive, Panama City Beach, Fl 32407 · $200,000 · 3 bd / 3 ba · listed Nov 3, 2026 · listed by Beachy Beach Real Estate
- 1715 Annabellas Drive, Panama City Beach, Fl 32407 · $276,990 · 3 bd / 3 ba · listed Oct 23, 2026 · listed by Keller Williams Success Realty
- 1860 Annabellas Drive, Panama City Beach, Fl 32407 · $269,000 · 3 bd / 3 ba · listed Sep 14, 2026 · listed by Counts Real Estate Group Inc
- 8114 Annabellas Court, Panama City Beach, Fl 32407 · $240,000 · 2 bd / 3 ba · listed Aug 13, 2026 · listed by 850 Real Estate Center
- 1737 Annabellas Drive, Panama City Beach, Fl 32407 · $310,000 · 4 bd / 4 ba · pending · listed Aug 13, 2026 · listed by St Andrew Shores Realty Serv
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Annabellas Drive (12 homes on record)
- Annabellas Drive (10 homes on record)
- Annabellas Drive (1 homes on record)
17% of homes for sale in ZIP 32407 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 (2026-11-12).
What it really costs to own in Annabella's Townhomes
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 $2,825/yr across 10 listings here (MLS tax records, 2026-11-12). |
|---|---|
| HOA dues | Median $403/month across 6 MLS listings (most billed quarterly; 2026-11-12). 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. |
| Roof and age | Median build year 2006 across 10 listings. An original roof here would be about 20 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 for replacement where it fails. |
Estimated carrying cost at the median asking price, before the mortgage: about $799/month (tax $235, HOA $403, insurance $161). An estimate from the sources above, not a quote.
Email me new listings in Annabella's Townhomes
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Ask an agent about Annabella's Townhomes
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Frequently Asked Questions
What is the median home price in Annabella's Townhomes?
How long do homes in Annabella's Townhomes take to sell?
Is Annabella's Townhomes a buyer's or seller's market right now?
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Where is Annabella's Townhomes, and what county is it in?
Should you buy in Annabella's Townhomes?
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: November 12, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending November 11, 2026 |
| Under-contract shares | CPAR MLS records, as of 2026-11-11 |
| Historical depth | Closed-sale records back to 2026 (3 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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