Bay Point Golf Villas
Homes for Sale in Panama City Beach, FL
All 731 homes for sale in Panama City Beach, FL · median $365,000 · 694 condos for sale in Panama City Beach · 348 homes for sale in 32408 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via CPAR MLS
As of October 2026, Bay Point Golf Villas in Panama City Beach, FL has 6 homes for sale, asking from $230,000 to $264,000 (median $254,950). Over the 12 months ending 2026-09-20, 5 recorded sales closed at a median of $220,000, a median 114 days on market, sellers accepting 84% of original asking (-20% versus the prior year). Homes listed or recently sold were built 1980–1980; 6 of 6 report an HOA (median $680/mo); 1 of the 6 geocoded homes sit in a FEMA special flood hazard zone (median elevation 10 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $2,700 ($2,220 with the full homestead exemption).
Part of the Bay Point master-planned community in Panama City Beach, FL — see all Bay Point homes for sale (61 listings across 8 villages and sections in the MLS).
Last 30 days in Bay Point Golf Villas: 2 new listings (median asking $257,000). As of October 20, 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 Bay Point Golf Villas
Live MLS inventory for Bay Point Golf Villas. 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 Bay Point Golf Villas listings as of 2026-10-20, 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.
Bay Point Golf Villas is a small, thin-trading market. With only 8 closings in the current window, a handful of sales can swing the median price or the days-on-market number significantly from one quarter to the next, so treat any single data point here as directional, not precise.
The current read is soft: a market heat score of 17, a median of 101 days on market, and prices down 18.4% year over year all point to a buyer-favorable posture right now. Sellers should price to the current pace rather than to last year's numbers, and buyers have room to negotiate on condition and terms.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Bay Point Golf Villas right now
🔴 Off the recent peak. The trailing-12-month median ($220K) is down 20.0% from the prior 12 months ($275K) and up 116% since 2012. With about a dozen 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 20. Confidence: Low (5 and 6 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 20, 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
Bay Point Golf Villas market snapshot (as of September 20, 2026): the median sale price is about $220K, and a median 114 days on market for closed sales. The trailing-12-month median is down 20% from the prior 12 months and up 116% since 2012, computed from record-level CPAR MLS closed sales (5 closings in the current window).
In ZIP 32408 (Panama City Beach), 1,792 homes closed in the last 12 months at a median of $400K, down 0.6% year over year, with a median 75 days on market. Right now 1,195 active and 202 pending listings — a buyer's market. See the live ZIP 32408 housing market and the Bay County market.
CPAR sales records identify 16 homes in Bay Point Golf Villas that have changed hands since 2021, built between 1980 and 1980 (median 1980), with a median living area of about 1,565 sq ft and a typical 2-bedroom, 2.5-bath layout; 94% 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.
Despite the name, current MLS listings show no community amenities identified for Bay Point Golf Villas, so any golf course access, pool, or shared recreational space should be confirmed directly rather than assumed from the community's title.
The setting & the homes.
Aerial and on-site photos of Bay Point Golf Villas. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Bay Point Golf Villas
Bay Point Golf Villas
Bay Point Golf Villas
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Bay Point Golf VillasPhotos from CPAR MLS listings in Bay Point Golf Villas; content deemed reliable but not guaranteed.
Who Bay Point Golf Villas is best for.
Best for
- Buyers with flexible timelines who can wait through a typical 101-day marketing period
- Buyers focused on long-term value who weigh the 129% gain since 2012 alongside current softness
- Buyers willing to independently confirm any golf course access, HOA terms, or shared amenities before writing an offer
Probably not for
- Sellers who need a quick close and cannot absorb a longer time on market
- Buyers who assume golf course or community amenities are included without confirming details directly
- Anyone relying on a large comparable-sales set, given only 8 closings feed the current data
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level CPAR MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($220K) IS the median in the snapshot above, and the move from 2025 ($275K) IS the -20.0% one-year change.
Windows contain 3 to 18 sales each (5 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.
12% of homes for sale in ZIP 32408 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 (2026-10-20).
Bay Point Golf Villas Market Scorecard
Bay Point Golf Villas is currently a balanced market., a median asking price of $259,900, and homes go under contract in about 65 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: CPAR MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Bay Point Golf Villas 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 Bay Point Golf Villas buying strategy.
If we were buying in Bay Point Golf Villas 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 Bay Point Golf Villas.
A Small Market, Read Carefully
The math here is the story: a median price of $232,500, a median 101 days on market, and only 8 closings feeding the window. That combination describes a community where inventory moves slowly and where each sale carries outsized weight in the stats. Buyers should expect longer marketing timelines to be normal, not a red flag on any one listing.
Zoom out and the picture changes. Since 2012, this market has posted a 129% price increase, a reminder that short-term softness and long-term direction are two different questions. The 18.4% year-over-year dip is a current-cycle data point, not a reversal of that longer trend, but it should factor into how a seller prices today and how a buyer times an offer.
The location and the amenities are priced into every listing in Bay Point Golf Villas. 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 Bay Point Golf Villas 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 (2.9). Basis: Long-Term Appreciation +116% since 2012; Recent Direction -20.0% year-over-year; Pricing Power 84.4% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a market this thin, generic comps do not hold up. We pull the actual closed sales behind the median, flag which ones are outliers versus representative, and price or negotiate accordingly, whether that means a seller waiting out the 101-day norm or a buyer using current softness to negotiate on price or terms.
Bay Point Golf Villas in 15 seconds.
Tools for a Bay Point Golf Villas 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 Bay Point Golf Villas sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Bay Point Golf Villas, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Bay Point Golf Villas home worth?
Get a no-obligation home value based on real comparable sales in Bay Point Golf Villas, 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 Bay Point Golf Villas
Homes in Bay Point Golf Villas 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. 4 on record.
- 4300 Bay Point Road 427 · off market
- 4300 Bay Point Road 437 · off market
- 4300 Bay Point Road Unit 402 · off market
- 4301 Bay Point Road 487 · off market
| Location | Panama City Beach, Bay County, FL · ZIP 32408, 32413 |
|---|---|
| Home types (current listings and sales) | condos 67%, attached 33% |
| Sale prices, last 12 months | $220,000 median across 5 closed sales · -20.0% vs the prior 12 months |
| Days on market (closed sales) | 114 median |
| For sale right now | 7 active, 0 pending · median asking $259,900 |
Data as of September 20, 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, “Bay Point Golf Villas key facts,” movewithmomentum.com/neighborhoods/bay-point-golf-villas, data as of September 20, 2026.
Housing distress & ownership in Bay Point Golf Villas, 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.
Just listed in Bay Point Golf Villas
The newest homes for sale in Bay Point Golf Villas right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 4300 Bay Point Road 429, Panama City, FL 32408 $255,000 · 2 bd · 2 ba · 12 days on market Courtesy of Portfolio Property Manangement Group LLC DBA Dunn Realty At Panama City
- 4301 Bay Point Road 476, Panama City Beach, FL 32408 $259,000 · 2 bd · 2 ba · 27 days on market Courtesy of Keller Williams Success Realty
- 4305 Bay Point Road 465, Panama City Beach, FL 32408 $249,000 · 2 bd · 3 ba · 51 days on market Courtesy of Counts Real Estate Group Inc
- 4305 Bay Point Road 459, Panama City, FL 32408 $254,900 · 2 bd · 3 ba · 65 days on market Courtesy of Top Producers Real Estate Group
- 4300 Bay Point Road 408, Panama City Beach, FL 32408 $230,000 · 2 bd · 3 ba · 118 days on market Courtesy of Corcoran Reverie
- 4305 Bay Point Road 446, Panama City Beach, FL 32408 $264,000 · 2 bd · 3 ba · 153 days on market Courtesy of Dalton Wade Inc
Checked against the MLS Oct 20, 2026. All new listings in this market.
Every Home for Sale in Bay Point Golf Villas Right Now (6)
All 6 active and pending Bay Point Golf Villas listings with a detail page, newest first, refreshed twice a day from the MLS.
- 4300 Bay Point Road 429, Panama City, Fl 32408 · $255,000 · 2 bd / 2 ba · listed Sep 9, 2026 · listed by Portfolio Property Manangement Group LLC DBA Dunn Realty At Panama City
- 4305 Bay Point Road 459, Panama City, Fl 32408 · $254,900 · 2 bd / 3 ba · listed Aug 23, 2026 · listed by Top Producers Real Estate Group
- 4305 Bay Point Road 465, Panama City Beach, Fl 32408 · $249,000 · 2 bd / 3 ba · listed Aug 16, 2026 · listed by Counts Real Estate Group Inc
- 4301 Bay Point Road 476, Panama City Beach, Fl 32408 · $259,000 · 2 bd / 2 ba · listed Aug 14, 2026 · listed by Keller Williams Success Realty
- 4305 Bay Point Road 446, Panama City Beach, Fl 32408 · $264,000 · 2 bd / 3 ba · listed Jul 22, 2026 · listed by Dalton Wade Inc
- 4300 Bay Point Road 408, Panama City Beach, Fl 32408 · $230,000 · 2 bd / 3 ba · listed Jul 22, 2026 · listed by Corcoran Reverie
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What it really costs to own in Bay Point Golf Villas
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 $2,161/yr across 12 listings here (MLS tax records, 2026-10-20). |
|---|---|
| HOA dues | Median $700/month across 7 MLS listings (most billed quarterly; 2026-10-20). 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 1980 across 12 listings. An original roof here would be about 46 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 $1,041/month (tax $180, HOA $700, insurance $161). An estimate from the sources above, not a quote.
Email me new listings in Bay Point Golf Villas
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Bay Point Golf Villas
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Bay Point Golf Villas will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Bay Point Golf Villas?
How long do homes in Bay Point Golf Villas take to sell?
Have Bay Point Golf Villas home prices gone up?
Who is the best real estate agent for Bay Point Golf Villas?
How do I find a top Panama City Beach real estate agent who knows Bay Point Golf Villas?
Can Momentum Realty connect me with an agent for Bay Point Golf Villas?
Where is Bay Point Golf Villas, and what county is it in?
Should you buy in Bay Point Golf Villas?
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: October 20, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (127 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?
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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 Bay Point Golf Villas fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Bay Point Golf Villas with Momentum Realty’s local guides.
More on Bay Point Golf Villas
- Home values · What homes in Bay Point Golf Villas actually sell for
- Find an agent · How to choose the best real estate agent in Bay Point Golf Villas