Bay Club
Condos for Sale in Panama City, FL

Bay Club Condo is a condominium community in Panama City, Bay County, currently showing very limited resale activity, with no community amenities listed in the current MLS data.

CPAR sales records identify 6 homes in Bay Club Condo that have changed hands since 2019, built between 1982 and 1983 (median 1982), with a median living area of about 860 sq ft and a typical 2-bedroom, 2-bath layout; 100% are condominiums. Source: CPAR closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.

Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.

Bay Club Condo is too small for its own price trend, so here is the market around it.

In ZIP 32401, 145 homes are on the market and 15% are under contract — a slower corner of Panama City.

Across Bay County, 2,515 homes are active and 528 pending (17% under contract).

In ZIP 32401 (Panama City), 337 homes closed in the last 12 months at a median of $307K, up 0.5% year over year, with a median 62 days on market. Right now 166 active and 29 pending listings — a buyer's market. See the live ZIP 32401 housing market and the Bay County market.

ZIP and county figures describe the wider market, not Bay Club Condo specifically. Momentum Research analysis of MLS records.

The most important fact about Bay Club Condo right now is how little there is to measure. Only two closings fall within the current window, which is not enough to draw a dependable line on pricing direction, days on market, or condition-driven spread. Any median or trend calculated from that volume would be an artifact of a small sample, not a description of the market.

No community amenities are identified from current MLS listings, which does not necessarily mean the building has none, only that the listing data available does not describe them. Buyers and sellers here should expect to do more direct legwork: pulling condo docs, checking association fees and reserves, and looking at the specific unit's history rather than relying on a community-level snapshot.

When a community's MLS data is this thin, the value of local representation goes up, not down. We pull condo association documents, verify fees and any pending assessments, and build comparisons from actual recent activity in Panama City rather than a generic community average, so you are pricing off real information instead of a headline number that does not hold up.

Listings in this community report association dues of about $529 per month ($6,348 a year) — the median AssociationFee across 87 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.