Conrad Pointe Estates
Homes for Sale in Panama City, FL
All 268 homes for sale in Panama City, FL · median $349,900 · 45 homes for sale in 32409 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of November 2026, Conrad Pointe Estates in Panama City, FL has 1 home for sale. As of November 2026, the MLS records 5 closed sales in Conrad Pointe Estates in Panama City, FL since 2012, the most recent in May 2026. 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).
Conrad Pointe Estates is a small, quiet corner of the Bay County market — just 24 homes on record — so pricing here moves on the specifics of each property rather than any broad trend line. With construction spanning from 1942 through 2023 and a median build year around the early 1990s, condition and age vary house to house, and that spread is what drives value more than location within the community itself.
For a seller, this means the comp pool is thin; two homes that look similar on paper can differ significantly in mechanical age, layout, and lot condition. For a buyer, it means due diligence on the individual home matters more than reading the neighborhood as a whole — there is no single 'typical' listing to benchmark against.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
The 60-Second Overview
Conrad Pointe Estates sits in Panama City within Bay County, a modest pocket of homes with a median living area near 2,935 square feet — larger than what a small inventory count might suggest, and a signal that many of these are established, sizable properties rather than starter builds.
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 Conrad Pointe Estates is best for.
Best for
- Buyers wanting more living square footage without needing shared community amenities
- Buyers open to a mix of older and newer construction and willing to vet each home's condition individually
- Long-term buyers comfortable in a low-turnover, established residential setting
Probably not for
- Buyers who want a community clubhouse, pool, or organized shared amenities
- Buyers who prefer a single, consistent build era across a neighborhood
- Buyers expecting a large, active resale market with abundant direct comps
The market around Conrad Pointe Estates
Conrad Pointe Estates is too small for its own price trend, so here is the market around it.
In ZIP 32409, 103 homes are on the market and 28% are under contract — a steady corner of Panama City.
Across Bay County, 2,515 homes are active and 528 pending (17% under contract).
In ZIP 32409 (Panama City), 42 homes closed in the last 12 months at a median of $509K, with a median 60 days on market. Right now 36 active and 18 pending listings put supply at about 10.3 months — a balanced market. See the live ZIP 32409 housing market and the Bay County market.
ZIP and county figures describe the wider market, not Conrad Pointe Estates specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Conrad Pointe Estates
Live MLS inventory for Conrad Pointe 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 Conrad Pointe Estates 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 Conrad Pointe Estates buying strategy.
If we were buying in Conrad Pointe 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 Conrad Pointe Estates.
A Mix of Eras, Not a Uniform Block
The build-year range here — 1942 to 2023 — is unusually wide for a community this size. That tells you Conrad Pointe Estates was not developed in one phase; it has infill and rebuilds layered over decades, which is part of why no two listings tend to compare cleanly on age or systems.
With about six in ten homes reflecting homestead status, a solid share of the community consists of longer-held properties rather than frequent turnover stock. Combined with the absence of any listed community amenities in current MLS data, this reads as a straightforward residential pocket — value here is tied to the home itself, not to a clubhouse, gate, or shared recreation feature.
The location and the amenities are priced into every listing in Conrad Pointe Estates. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this small, generic comps do not work — we pull the actual MLS history for Conrad Pointe Estates, look at each home's build era and condition on its own terms, and price or evaluate accordingly rather than leaning on neighborhood-wide assumptions that do not hold up here.
Conrad Pointe Estates in 15 seconds.
Tools for a Conrad Pointe 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 Conrad Pointe Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Conrad Pointe 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 Conrad Pointe Estates home worth?
Get a no-obligation home value based on real comparable sales in Conrad Pointe 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.
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Should you buy in Conrad Pointe 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: November 12, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (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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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.