Breakfast Point
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, Breakfast Point in Panama City Beach, FL has 15 homes for sale and 2 pending, asking from $425,000 to $699,900 (median $588,900). Over the 12 months ending 2026-11-11, 5 recorded sales closed at a median of $599,000, a median 39 days on market, sellers accepting 97% of original asking. Homes listed or recently sold were built 2013–2024; 16 of 17 report an HOA (median $121/mo); 1 of the 17 geocoded homes sit in a FEMA special flood hazard zone (median elevation 13 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $7,350 ($6,870 with the full homestead exemption).
Last 30 days in Breakfast Point: 4 new listings (median asking $552,450), 2 under contract right now. As of November 12, 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 Breakfast Point
Live MLS inventory for Breakfast Point. 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 · 21 daysTop listing
Active · 92 days
Active · 56 days
Active · 30 days
Active · 139 days
Active · 269 days
Active · 1 days
Active · 60 days
Active · 52 days
Active · 253 days
Active · 43 days
Active · 2 days
Active · 171 days
Active · 34 daysActive and pending Breakfast Point 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.
Breakfast Point's pricing story is really a construction-era story. With homes built between 2011 and 2024 and a median build year of 2019, this is one of the newer stocks in the Panama City Beach market, and that newer construction is what supports a median price of $475,000 even as the broader coastal market cools. The 31 closings in the current window against 595 total homes is a modest turnover rate, and a median 41 days on market says these homes are not moving on impulse, buyers are taking their time.
The year-over-year read of -5.0% paired with a market heat score of 17 points to a market that has softened from its peak but is nowhere near distressed, this reads more like normalization after the run-up. Since 2012, values here are still up 59%, so the long arc remains positive even with a down year. For sellers, that means pricing to condition and being patient with the 41-day window rather than chasing last year's number. For buyers, it means there is room to negotiate without needing to time a bottom.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Breakfast Point right now
🟢 Buyer-leaning market. 36.0 months of supply and 12% 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: High (17 active and pending listings, 5 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· 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
Breakfast Point market snapshot (as of November 11, 2026): the median sale price is about $599K, a median 39 days on market for closed sales, and 36.0 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.
County records show 61 qualified sales in Breakfast Point across 2024–2025 (51 in 2024, 10 in 2025), median $569,500 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Breakfast Point: of 12 listing addresses checked against the FEMA National Flood Hazard Layer, 92% sit outside the FEMA Special Flood Hazard Area (Zone X); 8% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Panama City Beach.
Breakfast Point is a community of 393 homes in Panama City Beach, Bay County, built between 2011 and 2024 (median 2019), with a median living area of about 2,636 square feet. 75% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Breakfast Point is a newer-build community in Panama City Beach, with homes constructed as recently as 2024 and a median living area of 2,571 square feet, larger than what typically shows up in older beach-adjacent stock.
The setting & the homes.
Aerial and on-site photos of Breakfast Point. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Breakfast PointBreakfast PointBreakfast PointBreakfast PointBreakfast PointBreakfast PointBreakfast PointBreakfast PointPhotos from CPAR MLS listings in Breakfast Point; content deemed reliable but not guaranteed.
Who Breakfast Point is best for.
Best for
- Buyers prioritizing newer construction and larger living space, around the median 2,571 square feet, over an older or smaller footprint
- Primary-residence buyers, given the 66% homestead share suggests this functions more as an owner-occupied market than a rotating rental pool
- Buyers comfortable with a median 41-day market pace who are not trying to win a bidding war on a fast-moving listing
Probably not for
- Buyers who require a confirmed clubhouse, pool, or recreational amenity as a deciding factor, since none is currently documented in MLS listings
- Investors expecting rapid turnover, the 31 closings against 595 homes and a market heat score of 17 point to a measured pace
- Buyers seeking older, character-driven construction predating 2011, since the entire build range here starts at 2011
Breakfast Point 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 Breakfast Point buying strategy.
If we were buying in Breakfast Point 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 Breakfast Point.
A newer-build pocket finding its footing
At 595 homes, Breakfast Point is a sizable, established community rather than a boutique enclave, but the 2011-2024 build range and median year built of 2019 keep the overall housing stock young relative to much of Bay County. That newer construction, combined with a median 2,571 square feet of living space, is the primary driver behind the $475,000 median price, buyers here are largely paying for square footage and modern building codes rather than for a legacy lot or an older renovation story.
Ownership patterns lean toward primary-residence use, with a 66% homestead share, a meaningfully higher owner-occupancy signal than you would expect in a beach-market ZIP code where second-home and investment purchases are common. Combined with a market heat score of 17 and 31 closings in the current window, the picture is a community that trades steadily but not urgently, inventory is not disappearing overnight, and the current listing data does not surface a formal amenity package, so verify any pool, clubhouse, or recreational feature directly with the listing rather than assuming it.
The location and the amenities are priced into every listing in Breakfast Point. 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 Breakfast Point 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 (5.1). Basis: Liquidity & Demand 36.0 months of supply; Owner Commitment 75% owner-occupied; Pricing Power 96.6% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a community where the current MLS data does not clearly document a shared amenity package, and where pricing is driven by build year and square footage rather than by comparable premium features, you need someone pulling the specific comps and confirming what a listing actually includes before you write an offer. We track the closings and the day-on-market trend here in real time, so you are pricing against what is actually happening in Breakfast Point right now, not a countywide average.
Breakfast Point in 15 seconds.
Tools for a Breakfast Point 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 Breakfast Point sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Breakfast Point, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Breakfast Point home worth?
Get a no-obligation home value based on real comparable sales in Breakfast Point, 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 all homes for sale in Panama City Beach →
Recently off market in Breakfast Point
Homes in Breakfast Point 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.
- 340 Basin Bayou Drive · off market
- 423 Locksley Drive · off market
- 450 Locksley Drive · off market
- 455 Foxtail Way · off market
- 614 Breakfast Point Boulevard · off market
- 865 Walsonham Drive · off market
| Location | Panama City Beach, Bay County, FL · ZIP 32407 |
|---|---|
| Homes in the community | 393 (FL DOR 2025 assessment roll) |
| Years built | 2011–2024 (median 2019) |
| Typical living area | 2,636 sq ft (median) |
| Home types (current listings and sales) | singlefamilyresidence 100% |
| Sale prices, last 12 months | $599,000 median across 5 closed sales |
| Days on market (closed sales) | 39 median |
| For sale right now | 15 active, 2 pending · median asking $588,900 · 36.0 months of supply |
| Owner-occupied (homestead) share | 75% |
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; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Breakfast Point key facts,” movewithmomentum.com/neighborhoods/breakfast-point, data as of November 11, 2026.
Housing distress & ownership in Breakfast Point, 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 Breakfast Point
The newest homes for sale in Breakfast Point right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 316 Johnson Bayou Drive, Panama City Beach, FL 32407 $594,999 · 4 bd · 3 ba · listed Nov 11, 2026 Courtesy of Central Bay Realty and Property Management LLC
- 832 Walsonham Drive, Panama City Beach, FL 32407 $509,900 · 5 bd · 3 ba · listed Nov 10, 2026 Courtesy of ListWithFreedom.com Inc.
- 417 Warren Bayou Lane, Panama City Beach, FL 32407 $425,000 · 3 bd · 2 ba · listed Oct 26, 2026 Courtesy of CENTURY 21 Commander Realty
- 213 Johnson Bayou Drive, Panama City Beach, FL 32407 $699,900 · 4 bd · 4 ba · listed Oct 22, 2026 Courtesy of Corcoran Reverie
- 450 Foxtail Way, Panama City Beach, FL 32407 $435,000 · 3 bd · 2 ba · listed Oct 9, 2026 Courtesy of CENTURY 21 Commander Realty
- 307 Breakfast Point Boulevard, Panama City Beach, FL 32407 $629,000 · 5 bd · 3 ba · listed Oct 6, 2026 Courtesy of Corcoran Reverie
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Breakfast Point Right Now (17)
All 17 active and pending Breakfast Point listings with a detail page, newest first, refreshed twice a day from the MLS.
- 417 Warren Bayou Lane, Panama City Beach, Fl 32407 · $425,000 · 3 bd / 2 ba · listed Oct 23, 2026 · listed by CENTURY 21 Commander Realty
- 213 Johnson Bayou Drive, Panama City Beach, Fl 32407 · $699,900 · 4 bd / 4 ba · listed Oct 16, 2026 · listed by Corcoran Reverie
- 307 Breakfast Point Boulevard, Panama City Beach, Fl 32407 · $629,000 · 5 bd / 3 ba · listed Oct 6, 2026 · listed by Corcoran Reverie
- 316 Johnson Bayou Drive, Panama City Beach, Fl 32407 · $594,999 · 4 bd / 3 ba · listed Oct 4, 2026 · listed by Central Bay Realty and Property Management LLC
- 832 Walsonham Drive, Panama City Beach, Fl 32407 · $509,900 · 5 bd / 3 ba · listed Oct 3, 2026 · listed by ListWithFreedom.com Inc.
- 406 Warren Bayou Lane, Panama City Beach, Fl 32407 · $489,000 · 3 bd / 2 ba · pending · listed Sep 24, 2026 · listed by Keller Williams Success Realty
- 450 Foxtail Way, Panama City Beach, Fl 32407 · $435,000 · 3 bd / 2 ba · listed Sep 19, 2026 · listed by CENTURY 21 Commander Realty
- 516 Breakfast Point Boulevard, Panama City Beach, Fl 32407 · $535,000 · 4 bd / 3 ba · listed Sep 17, 2026 · listed by Berkshire Hathaway HomeServices Beach Properties of Florida
- 336 Basin Bayou Drive, Panama City Beach, Fl 32407 · $588,900 · 3 bd / 2 ba · listed Sep 10, 2026 · listed by Berkshire Hathaway HomeServices Beach Properties of Florida
- 302 Johnson Bayou Drive, Panama City Beach, Fl 32407 · $549,900 · 3 bd / 2 ba · listed Sep 9, 2026 · listed by Berkshire Hathaway HomeServices Beach Properties of Florida
- 700 Breakfast Point Boulevard, Panama City Beach, Fl 32407 · $699,000 · 4 bd / 3 ba · listed Aug 16, 2026 · listed by Coldwell Banker Realty
- 211 Basin Bayou Drive, Panama City Beach, Fl 32407 · $699,000 · 4 bd / 3 ba · listed Aug 13, 2026 · listed by Own It Real Estate LLC
- 104 Johnson Bayou Drive, Panama City Beach, Fl 32407 · $605,000 · 4 bd / 3 ba · listed Aug 13, 2026 · listed by Beachy Beach Real Estate
- 328 Johnson Bayou Drive, Panama City Beach, Fl 32407 · $599,000 · 4 bd / 3 ba · listed Aug 13, 2026 · listed by Beach House Sales and Development
- 302 Basin Bayou Drive, Panama City Beach, Fl 32407 · $549,000 · 4 bd / 3 ba · listed Aug 13, 2026 · listed by Coastal Real Estate Group, Inc
- 409 Warren Bayou Lane, Panama City Beach, Fl 32407 · $449,900 · 3 bd / 2 ba · listed Aug 13, 2026 · listed by ERA Neubauer Real Estate, Inc
- 434 Foxtail Way, Panama City Beach, Fl 32407 · $449,900 · 3 bd / 2 ba · pending · listed Aug 13, 2026 · listed by Keller Williams Success Realty
More Panama City Beach home searches
- All homes for sale in Panama City Beach, FL
- Homes for sale in Bay County, FL
- Homes under $300K in Panama City Beach
- Panama City Beach home values: what is my house worth?
- ZIP 32407 housing scorecard
- 5 coming-soon communities in Bay County
Panama City Beach guides & data
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- Flood zones
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Florida buyer guides
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- Florida property tax calculator
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- Florida flood insurance calculator
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- Save Our Homes tax estimator
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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.
- Crystal Bayou Boulevard (1 homes on record)
12% of homes for sale in Breakfast Point 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 Breakfast Point
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 $5,041/yr across 34 listings here (MLS tax records, 2026-11-12). |
|---|---|
| HOA dues | Median $121/month across 17 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. Flood: of 12 listing addresses checked against the FEMA flood map, 92% sit outside the high-risk zone and 8% inside one, where flood insurance is required with a federally backed mortgage. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2019 across 34 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Estimated carrying cost at the median asking price, before the mortgage: about $702/month (tax $420, HOA $121, insurance $161). An estimate from the sources above, not a quote.
Email me new listings in Breakfast Point
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Ask an agent about Breakfast Point
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Breakfast Point will answer, and the answer is published on this page for the next buyer.
Recent Developments in Breakfast Point
Development, infrastructure, retail, and school activity affecting Breakfast Point, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Retail & Dining
Boots on the Beach western wear store opens in Panama City Beach
The store held its grand opening on October 28 near Joan Avenue and Thomas Drive, selling men's and women's western clothing and boots and offering a custom hat bar. Co-owner Jo Cochran said Pier Park's only western option is Dillard's.
What it may mean for the marketA specialty apparel shop broadens local shopping choices outside the Pier Park retail core. The site is less than a mile southwest of Breakfast Point.
Source: WJHG - October 2026Parks & Amenities
Bay County wraps up second phase of Island View Park renovations
Phase two, costing about $40,000 from the county general budget, adds two pavilions, a basketball court and sidewalks, following a May playground replacement. A new fence is already in. Completion is expected within a few weeks.
What it may mean for the marketAdded courts, shade structures and walkways improve everyday recreation options in the surrounding neighborhood. The project is about 6 miles east of Breakfast Point, elsewhere in Bay County.
Source: WJHG - October 2026Infrastructure
West Beach Drive and Mulberry Avenue water, sewer and sidewalk work set to begin in Panama City
The project covers West Beach Drive from Sixth to Fourth Street and Mulberry Avenue, adding water lines, sewer lines and sidewalks in three phases to keep businesses open. Chevron has agreed to cover extra disposal costs if contaminated soil is found. Crews were expected to mobilize within about a week.
What it may mean for the marketUpgraded utilities and sidewalks support the west-side commercial area, with some construction disruption during phasing. The project is about 7 miles east of Breakfast Point, elsewhere in Bay County.
Source: WJHG - October 2026Infrastructure
Panama City Beach advances Clara Avenue and Cobb Road sidewalks to engineering
City council voted to move sidewalk enhancements on Clara Avenue and Cobb Road into the engineering phase. Mayor Stuart Tettemer hopes to receive engineering work in early to mid 2027 before the next phase. No cost was stated.
What it may mean for the marketPlanned sidewalks would improve walking connections along two local streets, though construction is still more than a year off. The site is less than a mile south of Breakfast Point.
Source: WJHG - September 2026Development
Panama City Beach council upholds approval of Palmhaven development on Front Beach Road
The Panama City Beach City Council voted to uphold the Planning Board approval of Palmhaven, about 160 homes by Fischer Homes at 12610 Front Beach Road, with added conditions. The developer must build a multi-use trail, public park area and 40 public golf cart parking spaces, and a final development order is required before construction.
What it may mean for the marketAdds roughly 160 homes of new housing supply on the west Front Beach Road corridor, along with a new public park, trail and parking amenities. The site is less than a mile southwest of Breakfast Point.
Source: WJHG - August 2026Infrastructure
HCA Florida Gulf Coast Hospital announces $125 million expansion
HCA Florida Gulf Coast Hospital announced a $125 million expansion on its 23rd Street campus, including a new patient tower with 34 additional beds, a 16-bed orthopedic and spine unit, a fourth cath lab, an expanded women's center and a 5,000-square-foot outpatient entrance expansion. The project is in design, with construction of 24 to 36 months and completion targeted for 2029.
What it may mean for the marketAdded hospital capacity and specialty services would improve local healthcare access and add medical-sector employment along the 23rd Street corridor. The site is about 7 miles east of Breakfast Point.
Source: WJHG
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Frequently Asked Questions
What is the median home price in Breakfast Point?
How long do homes in Breakfast Point take to sell?
Is Breakfast Point a buyer's or seller's market right now?
How many homes are in Breakfast Point?
What share of Breakfast Point is owner-occupied?
When were the homes in Breakfast Point built?
Who is the best real estate agent for Breakfast Point?
How do I find a top Panama City Beach real estate agent who knows Breakfast Point?
Can Momentum Realty connect me with an agent for Breakfast Point?
Where is Breakfast Point, and what county is it in?
Is Breakfast Point in a flood zone?
Is Breakfast Point a good place to live?
Should you buy in Breakfast Point?
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 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (5 streets, ZIP 32407)) |
| Under-contract shares | CPAR MLS records, as of 2026-11-11 |
| Historical depth | Closed-sale records back to 2026 (5 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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