Clear Lake Estates
Homes for Sale in Youngstown, FL
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of October 2026, Clear Lake Estates in Youngstown, FL has 9 homes for sale and 3 pending, asking from $274,888 to $323,990 (median $299,990). Over the 12 months ending 2026-09-20, 26 recorded sales closed at a median of $299,495, a median 54 days on market, sellers accepting 98% of original asking (+2% versus the prior year). Homes listed or recently sold were built 2026–2026 with 12 new construction; 7 of the 12 geocoded homes sit in a FEMA special flood hazard zone (median elevation 35 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $3,680 ($3,190 with the full homestead exemption).
Last 30 days in Clear Lake Estates: 3 new listings (median asking $318,490), 3 under contract right now. 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 Clear Lake Estates
Live MLS inventory for Clear Lake Estates. 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 Clear Lake Estates listings as of 2026-10-19, 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.
Clear Lake Estates prices around a $300,000 median, and with a build era spanning 1900 to 2024, condition and updates do a lot of the work in setting where an individual home lands relative to that number. A median year built of 1998 puts the typical home in a mid-life stage, so buyers should expect a mix of original systems and renovated properties rather than a uniform housing stock.
A median 52 days on market signals a market that moves at a measured pace rather than an instant-offer pace. Sellers should price with that timeline in mind, and buyers get room to do real diligence, order inspections, and negotiate rather than compete purely on speed.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Clear Lake Estates right now
🟡 Still climbing. The trailing-12-month median ($299K) is up 1.5% from the prior 12 months ($295K). With about 7 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: High (26 and 33 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
Clear Lake Estates market snapshot (as of September 20, 2026): the median sale price is about $299K, and a median 54 days on market for closed sales. The trailing-12-month median is up 2% from the prior 12 months, computed from record-level CPAR MLS closed sales (26 closings in the current window).
In ZIP 32466 (Youngstown), 59 homes closed in the last 12 months at a median of $290K, down 2.2% year over year, with a median 72 days on market. Right now 21 active and 8 pending listings — a buyer's market. See the live ZIP 32466 housing market and the Bay County market.
County records show 5 qualified sales in Clear Lake Estates across 2024–2024, median $291,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Clear Lake Estates: of 12 listing addresses checked against the FEMA National Flood Hazard Layer, 42% sit outside the FEMA Special Flood Hazard Area (Zone X); 58% 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.
Clear Lake Estates is a community of 13 homes in Youngstown, Bay County, built between 1990 and 2024 (median 2024), with a median living area of about 1,982 square feet. 10% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Clear Lake Estates is a Youngstown community in Bay County with 137 homes on record and a housing stock that ranges from century-old construction to homes finished in 2024, giving buyers a genuine spread of ages and styles to choose from rather than a single, uniform build period.
The setting & the homes.
Aerial and on-site photos of Clear Lake Estates. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Clear Lake EstatesPhotos from CPAR MLS listings in Clear Lake Estates; content deemed reliable but not guaranteed.
Who Clear Lake Estates is best for.
Best for
- Buyers targeting a mid-size home near the $300,000 median who have flexibility on move-in timing
- Buyers comfortable evaluating homes across a wide range of ages and doing inspection-driven due diligence
- Sellers who can price realistically against a market moving at a measured, non-instant pace
Probably not for
- Buyers who need a recently-built home exclusively and won't consider older construction
- Sellers expecting a rapid sale well under the current median days-on-market
- Buyers seeking a community with established amenity programming, since none is currently identified from MLS listings
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 ($299K) IS the median in the snapshot above, and the move from 2025 ($295K) IS the +1.5% one-year change.
Windows contain 0 to 33 sales each (26 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.
25% of homes for sale in Clear Lake Estates 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 (2026-10-18).
Clear Lake Estates Market Scorecard
Clear Lake Estates is currently a balanced market., a median asking price of $304,990, and homes go under contract in about 77 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.
Clear Lake Estates 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 Clear Lake Estates buying strategy.
If we were buying in Clear Lake Estates 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 Clear Lake Estates.
What the numbers say about this market
The median price of $300,000 sits against a median living area of 1,637 square feet, a combination that points to a market driven by practical, mid-size homes rather than large-format or luxury product. With a median year built of 1998 inside a full range of 1900 to 2024, shoppers will find everything from older construction needing updates to newer builds, and that variance is the main reason two homes at the same price point can look very different on paper.
Year-over-year pricing is up 2.0 percent, a modest, incremental move rather than a sharp swing in either direction, and 27 closings in the recent window suggest a steady but not high-volume pace of turnover. A homestead share of 40.9 percent indicates a meaningful portion of the community is owner-occupied under Florida's homestead exemption, which is worth factoring into how a given block or street tends to turn over.
The location and the amenities are priced into every listing in Clear Lake Estates. 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 Clear Lake Estates 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 (5.4). Basis: Recent Direction +1.5% year-over-year; Owner Commitment 10% owner-occupied; Pricing Power 98.4% sale-to-list. Refreshed with each data update.
Why work with Momentum here
With a build stock spanning more than a century and a median days-on-market above the 50-day mark, pricing and condition assessment in Clear Lake Estates take real local judgment rather than a formula. We track what's actually closing here so sellers price to the current pace and buyers know which condition tradeoffs are worth the number on the listing.
Clear Lake Estates in 15 seconds.
What it really costs to own in Clear Lake Estates
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 $248/yr across 24 listings here (MLS tax records, 2026-10-20). |
|---|---|
| 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, 42% sit outside the high-risk zone and 58% 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 2026 across 24 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Email me new listings in Clear Lake Estates
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 Clear Lake Estates
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Clear Lake Estates will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Flood & Insurance Context
Of 12 sampled listing addresses in this community: 42% outside the FEMA Special Flood Hazard Area (Zone X/B/C); 58% in an A-series Special Flood Hazard Area zone.
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=12) · as of 2026-10
Tools for a Clear Lake Estates 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 Clear Lake Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Clear Lake Estates, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Clear Lake Estates home worth?
Get a no-obligation home value based on real comparable sales in Clear Lake Estates, 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 homes for sale in Clear Lake Estates on the map →
Recently off market in Clear Lake Estates
Homes in Clear Lake Estates 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. 7 on record.
- 8111 Grebe Street · off market
- 8435 Hornbill Drive · off market
- 8608 Kildee Lane · off market
- 8616 Kildee Lane · off market
- 8623 Kildee Lane · off market
- 8624 Kildee Lane · off market
- 8639 Kildee Lane · off market
| Location | Youngstown, Bay County, FL · ZIP 32466 |
|---|---|
| Homes in the community | 13 (FL DOR 2025 assessment roll) |
| Years built | 1990–2024 (median 2024) |
| Typical living area | 1,982 sq ft (median) |
| Home types (current listings and sales) | singlefamilyresidence 100% |
| Sale prices, last 12 months | $299,495 median across 26 closed sales · +1.5% vs the prior 12 months |
| Days on market (closed sales) | 54 median |
| For sale right now | 9 active, 4 pending · median asking $304,990 |
| Owner-occupied (homestead) share | 10% |
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; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Clear Lake Estates key facts,” movewithmomentum.com/neighborhoods/clear-lake-estates, data as of September 20, 2026.
Just listed in Clear Lake Estates
The newest homes for sale in Clear Lake Estates right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 8414 Hornbill Drive, Youngstown, FL 32466 $323,990 · 4 bd · 2 ba · new today Courtesy of WJH Brokerage FL LLC
- 8542 Hornbill Drive, Youngstown, FL 32466 $318,490 · 4 bd · 2 ba · new today Courtesy of WJH Brokerage FL LLC
- 8441 Hornbill Drive, Youngstown, FL 32466 $311,990 · 4 bd · 2 ba · 27 days on market Courtesy of WJH Brokerage FL LLC
- 8635 Hornbill Drive, Youngstown, FL 32466 $284,990 · 3 bd · 2 ba · 62 days on market Courtesy of WJH Brokerage FL LLC
- 8641 Hornbill Drive, Youngstown, FL 32466 $299,990 · 4 bd · 2 ba · 77 days on market Courtesy of WJH Brokerage FL LLC
- 8131 Grebe Street, Youngstown, FL 32466 $318,990 · 4 bd · 2 ba · 138 days on market Courtesy of WJH Brokerage FL LLC
Checked against the MLS Oct 20, 2026. All new listings in this market.
Every Home for Sale in Clear Lake Estates Right Now (12)
All 12 active and pending Clear Lake Estates listings with a detail page, newest first, refreshed twice a day from the MLS.
- 8414 Hornbill Drive, Youngstown, Fl 32466 · $323,990 · 4 bd / 2 ba · listed Oct 16, 2026 · listed by WJH Brokerage FL LLC
- 8542 Hornbill Drive, Youngstown, Fl 32466 · $318,490 · 4 bd / 2 ba · listed Oct 16, 2026 · listed by WJH Brokerage FL LLC
- 8635 Hornbill Drive, Youngstown, Fl 32466 · $284,990 · 3 bd / 2 ba · listed Sep 11, 2026 · listed by WJH Brokerage FL LLC
- 8441 Hornbill Drive, Youngstown, Fl 32466 · $311,990 · 4 bd / 2 ba · listed Aug 15, 2026 · listed by WJH Brokerage FL LLC
- 8503 Hornbill Drive, Youngstown, Fl 32466 · $310,990 · 4 bd / 2 ba · pending · listed Aug 15, 2026 · listed by WJH Brokerage FL LLC
- 8641 Hornbill Drive, Youngstown, Fl 32466 · $299,990 · 4 bd / 2 ba · listed Jul 31, 2026 · listed by WJH Brokerage FL LLC
- 8131 Grebe Street, Youngstown, Fl 32466 · $318,990 · 4 bd / 2 ba · listed Jul 22, 2026 · listed by WJH Brokerage FL LLC
- 8101 Grebe Street, Youngstown, Fl 32466 · $289,888 · 4 bd / 2 ba · listed Jul 22, 2026 · listed by WJH Brokerage FL LLC
- 8201 Grebe Street, Youngstown, Fl 32466 · $284,888 · 4 bd / 2 ba · listed Jul 22, 2026 · listed by WJH Brokerage FL LLC
- 8037 Grebe Street, Youngstown, Fl 32466 · $274,888 · 3 bd / 2 ba · listed Jul 22, 2026 · listed by WJH Brokerage FL LLC
- 8429 Hornbill Drive, Youngstown, Fl 32466 · $321,990 · 4 bd / 2 ba · pending · listed Jul 22, 2026 · listed by WJH Brokerage FL LLC
- 8423 Hornbill Drive, Youngstown, Fl 32466 · $299,990 · 4 bd / 2 ba · pending · listed Jul 22, 2026 · listed by WJH Brokerage FL LLC
More Youngstown home searches
- Homes for sale in Bay County, FL
- Homes from $300K to $500K in Youngstown
- 4-bedroom homes for sale in Youngstown
- ZIP 32466 housing scorecard
- 3 coming-soon communities in Bay County
Youngstown guides & data
Florida buyer guides
Recent Developments in Clear Lake Estates
Development, infrastructure, retail, and school activity affecting Clear Lake Estates, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- October 2026Development
Tyndall Air Force Base rebuild continues with about 140 new facilities
WJHG reports Tyndall AFB is rebuilding with roughly 140 new hurricane-resistant facilities after Hurricane Michael in 2018, and now hosts F-35 squadrons. Most current projects are expected to finish by 2027, while other buildings await congressional funding and the work has faced labor and budget constraints.
What it may mean for the marketContinued base construction and F-35 operations sustain military and contractor employment and construction activity in the eastern Bay County area. The site is about 8 miles south of Clear Lake Estates.
Source: WJHG - September 2026Retail & Dining
Panama City meets Houston developer interested in part of Panama City Mall site
Panama City officials met a Houston developer interested in buying a portion of the largely vacant Panama City Mall, owned by Hendon Properties, with a retail focus. Discussions covered rezoning, possible CRA participation and plan submittal. The mayor called the FDOT US 231 widening, planned to six lanes from US 98 to SR 20, the biggest holdup.
What it may mean for the marketPossible retail redevelopment of a large vacant site could add shopping options near the US 231 corridor, with timing tied to road widening and rezoning. The site is about 5 miles west of Clear Lake Estates.
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 6 miles west of Clear Lake Estates.
Source: WJHG - August 2026Infrastructure
Bay County approves $13.5 million water treatment plant expansion
Bay County commissioners approved a $13.5 million contract with NCMC Construction to add three large sand filters (30 by 50 feet each) to the county water treatment plant, which now runs 11 filters. Construction is expected to start soon and take about a year, and officials say water bills should not rise because of it.
What it may mean for the marketAdded filtration and backup capacity supports water service reliability for a county where demand has more than doubled in 15 years. The site is about 5 miles north of Clear Lake Estates.
Source: WJHG - July 2026Civic
Panama City approves 12-month moratorium on AI data centers
Panama City commissioners unanimously approved a 12-month pause on AI data centers in certain areas, following a six-month restriction adopted by Bay County the prior week. The city said it will use the period to study data center operations and revisit how they fit into local zoning and land-use rules.
What it may mean for the marketA temporary pause shapes where data centers can locate while the city reviews zoning and land-use standards. The site is about 5 miles west of Clear Lake Estates.
Source: WJHG News Channel 7 - June 2026Development
Panama City commissioners approve Community Development District for 1,800-home neighborhood
Panama City commissioners approved a Community Development District for a planned neighborhood of about 1,800 homes east of John Pitts Road in north Panama City. Under the CDD, road maintenance within the neighborhood stays with the district rather than transferring to the city.
What it may mean for the marketA new large-scale residential district adds housing supply and internally maintained streets to the north Panama City market. The project is about 3 miles north of Clear Lake Estates, elsewhere in Bay County.
Source: WJHG News Channel 7
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 Clear Lake Estates?
How long do homes in Clear Lake Estates take to sell?
How many homes are in Clear Lake Estates?
What share of Clear Lake Estates is owner-occupied?
When were the homes in Clear Lake Estates built?
Who is the best real estate agent for Clear Lake Estates?
How do I find a top Youngstown real estate agent who knows Clear Lake Estates?
Can Momentum Realty connect me with an agent for Clear Lake Estates?
Where is Clear Lake Estates, and what county is it in?
Is Clear Lake Estates in a flood zone?
Is Clear Lake Estates a good place to live?
Should you buy in Clear Lake Estates?
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 19, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32466)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (79 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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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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More on Clear Lake Estates
- Home values · What homes in Clear Lake Estates actually sell for
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