Bay Point Harbour Villas
Condos for Sale in Panama City Beach, FL
All 726 homes for sale in Panama City Beach, FL · median $369,000 · 686 condos for sale in Panama City Beach · 364 homes for sale in 32408 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of November 2026, Bay Point Harbour Villas in Panama City Beach, FL has 6 homes for sale and 1 pending, asking from $237,000 to $398,000 (median $320,500). Over the 12 months ending 2026-11-11, 3 recorded sales closed at a median of $302,000, a median 77 days on market, sellers accepting 95% of original asking. Homes listed or recently sold were built 1981–1981; 7 of 7 report an HOA (median $345/mo); 2 of the 7 geocoded homes sit in a FEMA special flood hazard zone (median elevation 8 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $3,710 ($3,220 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 (59 listings across 8 villages and sections in the MLS).
Last 30 days in Bay Point Harbour Villas: 2 new listings (median asking $297,500), 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 Bay Point Harbour Villas
Live MLS inventory for Bay Point Harbour 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 · 626 daysTop listing
Active · 20 days
Active · 99 days
Active · 141 days
Active · 0 days
Active · 43 daysActive and pending Bay Point Harbour Villas listings as of 2026-11-11, 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 Harbour Villas sits at a median price of $260,000, with a market heat score of 49 that reads as balanced rather than tilted toward either side. A median of just over 80 days on market tells you this is not a community where pricing mistakes get bailed out by urgency — buyers here are taking their time, comparing units, and negotiating.
With only 9 closings in the current window, this is a thin-data market. That is not a red flag, it is just a caution: one or two unusual sales can move the median more than they would in a larger community. Sellers should price off comparable condition and recent closings specifically, not off the broader Panama City Beach narrative.
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 Harbour Villas right now
🟢 Buyer-leaning market. 24.0 months of supply and 14% 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 (7 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
Bay Point Harbour Villas market snapshot (as of November 11, 2026): the median sale price is about $302K, a median 77 days on market for closed sales, and 24.0 months of supply, a buyer-leaning market.
In ZIP 32408 (Panama City Beach), 205 homes closed in the last 12 months at a median of $385K, with a median 83 days on market. Right now 389 active and 47 pending listings put supply at about 22.8 months — a soft market. See the live ZIP 32408 housing market and the Bay County market.
CPAR sales records identify 16 homes in Bay Point Harbour Villas that have changed hands since 2023, built between 1974 and 1981 (median 1981), with a median living area of about 900 sq ft and a typical 1-bedroom, 1-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.
Bay Point Harbour Villas is a smaller-volume market in Panama City Beach, Bay County, where price movement has been modest year over year but the longer-run trend since 2012 shows substantial cumulative gain.
The setting & the homes.
Aerial and on-site photos of Bay Point Harbour Villas. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Bay Point Harbour VillasPhotos from CPAR MLS listings in Bay Point Harbour Villas; content deemed reliable but not guaranteed.
Who Bay Point Harbour Villas is best for.
Best for
- Buyers working with a budget near the current $260,000 median who are not in a rush to close
- Buyers interested in a longer-hold purchase where multi-year price trends matter more than short-term movement
- Sellers willing to price against real recent comparables rather than a broad-area narrative
Probably not for
- Buyers who need a fast transaction and are uncomfortable with a market averaging just over 80 days on market
- Investors expecting frequent comparable sales to benchmark pricing precisely
- Buyers who require a confirmed, specific amenity package before making an offer
Bay Point Harbour 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 Harbour Villas buying strategy.
If we were buying in Bay Point Harbour 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.
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 Bay Point Harbour Villas.
A slow, deliberate market
The math here is straightforward: a 2.4% year-over-year change is essentially flat, which means this is not a market where recent momentum is doing the selling for you. What stands out instead is the cumulative change since 2012 — a 160% increase over that stretch — which speaks to a long runway of appreciation rather than a recent spike. Buyers should read that as evidence of durability over time, not a signal about what happens next month.
Median days on market running just over 80 is the number that shapes strategy. Listings that are priced and presented well can still move, but this is not a market where overpricing gets forgiven by a bidding war. Current MLS data does not identify specific community amenities, so buyers evaluating this villa community should confirm any shared features directly rather than assuming a standard package.
The location and the amenities are priced into every listing in Bay Point Harbour Villas. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a lower-volume market like this one, pricing a listing or evaluating an offer requires pulling the right comparables rather than leaning on a broad area trend. We work from the closings that actually exist here, not an inflated read of what a handful of sales implies, and we tell clients plainly when the data is too thin to support an aggressive number.
Bay Point Harbour Villas in 15 seconds.
Tools for a Bay Point Harbour 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 Harbour 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 Harbour 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 Harbour Villas home worth?
Get a no-obligation home value based on real comparable sales in Bay Point Harbour 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 Harbour Villas
Homes in Bay Point Harbour 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.
- 4726 Bay Point C226 · off market
- 4726 Bay Point Road 149F · off market
- 4726 Bay Point Road D138 · off market
- 4726 Bay Point Road E143 · off market
| Location | Panama City Beach, Bay County, FL · ZIP 32408 |
|---|---|
| Home types (current listings and sales) | condos 100% |
| Sale prices, last 12 months | $302,000 median across 3 closed sales |
| Days on market (closed sales) | 77 median |
| For sale right now | 6 active, 1 pending · median asking $320,500 · 24.0 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, “Bay Point Harbour Villas key facts,” movewithmomentum.com/neighborhoods/bay-point-harbour-villas, data as of November 11, 2026.
Housing distress & ownership in Bay Point Harbour 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.
Every Home for Sale in Bay Point Harbour Villas Right Now (7)
All 7 active and pending Bay Point Harbour Villas listings with a detail page, newest first, refreshed twice a day from the MLS.
- 4726 Bay Point Road E241, Panama City Beach, Fl 32408 · $237,000 · 1 bd / 1 ba · listed Sep 14, 2026 · listed by Foundation Real Estate Agency LLC
- 4726 Bay Point Road D140, Panama City, Fl 32408 · $240,000 · 1 bd / 1 ba · listed Sep 11, 2026 · listed by Salty Marlin Realty LLC
- 4726 Bay Point Road C228, Panama City Beach, Fl 32408 · $355,000 · 1 bd / 1 ba · listed Sep 4, 2026 · listed by Keller Williams Success Realty
- 4726 Bay Point Road 4204, Panama City Beach, Fl 32408 · $398,000 · 2 bd / 3 ba · listed Aug 13, 2026 · listed by Emerald Coast Realty Group
- 4726 Bay Point Road A110, Panama City, Fl 32408 · $333,500 · 1 bd / 1 ba · listed Aug 13, 2026 · listed by Keller Williams Success Realty
- 4726 Bay Point Road C223, Panama City Beach, Fl 32408 · $307,500 · 1 bd / 1 ba · listed Aug 13, 2026 · listed by Dalton Wade Inc
- 4726 Bay Point Road A208, Panama City, Fl 32408 · $288,000 · 1 bd / 1 ba · pending · listed Aug 13, 2026 · listed by ERA Neubauer Real Estate Inc
More Panama City Beach home searches
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- Panama City Beach home values: what is my house worth?
- ZIP 32408 housing scorecard
- 5 coming-soon communities in Bay County
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Florida buyer guides
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10% 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 (2026-11-12).
What it really costs to own in Bay Point Harbour 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 $2,625/yr across 12 listings here (MLS tax records, 2026-11-12). |
|---|---|
| HOA dues | Median $345/month across 7 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 1981 across 14 listings. An original roof here would be about 45 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 $724/month (tax $219, HOA $345, insurance $161). An estimate from the sources above, not a quote.
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Ask an agent about Bay Point Harbour Villas Condos for Sale
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Frequently Asked Questions
What is the median home price in Bay Point Harbour Villas?
How long do homes in Bay Point Harbour Villas take to sell?
Is Bay Point Harbour Villas a buyer's or seller's market right now?
Who is the best real estate agent for Bay Point Harbour Villas?
How do I find a top Panama City Beach real estate agent who knows Bay Point Harbour Villas?
Can Momentum Realty connect me with an agent for Bay Point Harbour Villas?
Where is Bay Point Harbour Villas, and what county is it in?
Should you buy in Bay Point Harbour 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: November 11, 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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