Cogburn's
Homes for Sale in Panama City, FL
All 268 homes for sale in Panama City, FL · median $349,900 · 165 homes for sale in 32401 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of November 2026, the MLS records 27 closed sales in Cogburn'S in Panama City, FL since 2012, the most recent in December 2024. Across Panama City as a whole, 371 homes closed in the last 12 months at a median of $300,000, 84 median days on market. At that median and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $3,680 ($3,200 with the full homestead exemption).
Last 30 days in Cogburn's: 1 new listing (median asking $330,000). 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.
The honest starting point here is data thinness. With only a single closing recorded in the current window, there is not enough transaction volume in Cogburn'S to describe a reliable price trend, a typical days-on-market figure, or a going rate per square foot. Anyone quoting you a confident number for this pocket of Panama City is extrapolating, not reporting.
For a buyer, that cuts both ways: less competitive pressure from a visible bidding pattern, but also less certainty about what a fair offer looks like without pulling comparable sales from adjacent areas. For a seller, it means pricing has to be built from a broader Bay County comp set rather than from activity inside the community itself, and marketing should expect a longer, quieter process than a high-turnover subdivision would see.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside Cogburn'S right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Cogburn'S is a Panama City community in Bay County where current MLS activity is limited enough that broad claims about pricing or amenities are not supportable from this snapshot alone.
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.
Who Cogburn's is best for.
Best for
- A buyer willing to have their agent build pricing from nearby comps rather than in-community history
- A seller comfortable with a marketing timeline that is not driven by recent local turnover
- Someone specifically targeting this Panama City location for reasons unrelated to amenity packages
Probably not for
- A buyer who wants to compare this property against several recent same-community sales
- Someone relying on a published amenity list to shape their decision
- A seller expecting fast, high-volume interest based on recent local closings
The market around Cogburn's
Cogburn's 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), 26 homes closed in the last 12 months at a median of $197K, with a median 73 days on market. Right now 23 active and 2 pending listings put supply at about 10.6 months — a soft market. See the live ZIP 32401 housing market and the Bay County market.
ZIP and county figures describe the wider market, not Cogburn's specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Cogburn's
Live MLS inventory for Cogburn's. 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 Cogburn's 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.
The Cogburn's buying strategy.
If we were buying in Cogburn's 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 Cogburn's.
A market with too little data to average
There is no amenity package identified from current MLS listings for Cogburn'S, and no median price to anchor a discussion of value here. That is not unusual for smaller or lower-turnover communities, but it does mean the standard toolkit of comps, trend lines, and pricing bands does not apply cleanly right now.
Practically, this means both buyers and sellers should treat any figure they encounter for Cogburn'S with skepticism unless it is sourced from an actual recent closing with verified terms. A single closing in the window is a data point, not a market.
The location and the amenities are priced into every listing in Cogburn's. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with this little visible MLS activity, the value we add is not repeating a headline number, it is pulling the right comparable set from surrounding Bay County inventory, verifying condition and terms on whatever has actually closed, and helping you price or offer with real information instead of a guess.
Cogburn's in 15 seconds.
Tools for a Cogburn's 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 Cogburn's sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cogburn's, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cogburn's home worth?
Get a no-obligation home value based on real comparable sales in Cogburn's, 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 →
Should you buy in Cogburn's?
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) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (27 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?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. A Momentum agent can price yours against live local comps.
Looking to buy here? Search homes for sale →
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See how Cogburn'S fits the bigger picture — live prices, inventory, and Momentum Scores:
Email me new listings in Cogburn's
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 Cogburn's
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Cogburn's will answer, and the answer is published on this page for the next buyer.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Bay County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Bay County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.