Crown Point
Homes for Sale in Panama City Beach, FL
All 725 homes for sale in Panama City Beach, FL · median $368,500 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, the MLS records 14 closed sales in Crown Point in Panama City Beach, FL since 2014, the most recent in November 2025. Across Panama City Beach as a whole, 18 homes closed in the last 12 months at a median of $425,000, 76 median days on market, with 4 homes for sale today. At that median and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $5,220 ($4,730 with the full homestead exemption).
Crown Point is an older, established section of Panama City Beach, with homes dating back to 1962 and a median build year of 1974. That age spread is the main driver of value here: a home from the early build years reads very differently than one of the newer or more recently updated properties in the same 146-home inventory, and buyers should expect condition and updates to matter more than location alone.
With no community amenities identified in current MLS listings, this is a market priced on the house itself, not on a package of shared facilities. Sellers get more credit for what has been done to the structure and lot; buyers should budget time and diligence for verifying systems and updates rather than assuming a uniform product across the neighborhood.
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 Crown PointHomes for Sale in Panama City Beach, FL 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
Crown Point mixes original-era construction with homes built well into the 2000s and 2010s, giving the area a wide range of style and condition rather than one consistent look.
CPAR sales records identify 7 homes in Crown Point that have changed hands since 2010, built between 1962 and 2024 (median 1994), with a median living area of about 2,838 sq ft and a typical 4-bedroom, 3-bath layout; 86% are single-family homes. Source: CPAR closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
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 Crown Point is best for.
Best for
- Buyers comfortable evaluating homes on individual condition rather than a uniform build standard.
- Buyers who want an established Panama City Beach location and are not seeking HOA-run amenities.
- Buyers open to either an original-era home with updating potential or a newer build within the same area.
Probably not for
- Buyers who want a single consistent architectural era or build year across the neighborhood.
- Buyers who prioritize community amenities like clubhouses, pools, or shared recreation facilities.
- Buyers unwilling to budget for inspection and possible system updates on an older home.
The market around Crown Point
Crown Point is too small for its own price trend, so here is the market around it.
In ZIP 32404, 428 homes are on the market and 30% are under contract — a fast-moving corner of Panama City Beach.
Across Bay County, 2,515 homes are active and 528 pending (17% under contract).
In ZIP 32404 (Panama City Beach), 1,060 homes closed in the last 12 months at a median of $290K, down 3.3% year over year, with a median 58 days on market. Right now 391 active and 146 pending listings — a balanced market. See the live ZIP 32404 housing market and the Bay County market.
ZIP and county figures describe the wider market, not Crown Point specifically. Momentum Research analysis of MLS records.
The Crown Point buying strategy.
If we were buying in Crown 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.
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 Crown Point.
Six Decades of Building
The build range in Crown Point runs from 1962 to 2023, with a median year built of 1974. That places the typical home well into its middle age, and buyers evaluating any specific listing should treat the year built as a starting point for questions about roofing, electrical, plumbing, and prior renovation rather than a guarantee of original condition.
Living space runs to a median of 2,075 square feet, which is a workable size for a range of layouts without being oversized. About half of homes in the area carry a homestead exemption, indicating a meaningful share of owner-occupied use alongside a comparable share of non-homestead ownership, which can include second homes or investment holdings. With no listed community amenities, appeal here rests on the home and its lot, not on shared infrastructure.
The location and the amenities are priced into every listing in Crown Point. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a neighborhood spanning six decades of construction with no amenity package to standardize expectations, the work is in the details: knowing which streets have seen recent renovation, what a given build year typically means for major systems, and how to read a listing's condition against its price. That is where a local, hands-on read matters more than a generic search.
Crown Point in 15 seconds.
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.
Tools for a Crown 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 Crown Point sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Crown 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 Crown Point home worth?
Get a no-obligation home value based on real comparable sales in Crown 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.
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| Location | Panama City Beach, Bay County, FL · ZIP 32404, 32413 |
|---|---|
| Homes in the community | 40 (FL DOR 2025 assessment roll) |
| Years built | 1962–2013 (median 1972.5) |
| Typical living area | 2,260 sq ft (median) |
| Owner-occupied (homestead) share | 57% |
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, “Crown Point key facts,” movewithmomentum.com/neighborhoods/crown-point, data as of September 20, 2026.
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
- Homes from $300K to $500K in Panama City Beach
- 4-bedroom homes for sale in Panama City Beach
- Panama City Beach home values: what is my house worth?
- ZIP 32404 housing scorecard
- 5 coming-soon communities in Bay County
Panama City Beach guides & data
- Market data
- Best neighborhoods (ranked by data)
- Flood zones
- Home insurance cost
- New construction
- ZIP codes
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
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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.
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Ask an agent about Crown PointHomes for Sale
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Recent Developments in Crown Point
Development, infrastructure, retail, and school activity affecting Crown Point, 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 10 miles southwest of Crown Point.
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 project is about 12 miles west of Crown Point, elsewhere in Bay County.
Source: WJHG - August 2026Development
Deal reached to redevelop historic Panama City Grammar School into apartments and townhomes
Panama City reached a deal for developer Zachary Seymour to buy the 1914 Panama City Grammar School on East Seventh Street and convert it to apartments and townhomes. The city would waive about $375,000 in code fines and a $100,000 CRA grant is pending approval. Seymour has one year to finish structural repairs to roofs, windows and doors.
What it may mean for the marketReuse of a vacant historic building would add downtown-area residential units and remove a long-standing vacant property. The project is about 11 miles west of Crown Point, elsewhere in Bay County.
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 9 miles northwest of Crown Point.
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 project is about 12 miles west of Crown Point, elsewhere in Bay County.
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 8 miles northwest of Crown Point, 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
How many homes are in Crown Point?
What share of Crown Point is owner-occupied?
When were the homes in Crown Point built?
Who is the best real estate agent for Crown Point?
How do I find a top Panama City Beach real estate agent who knows Crown Point?
Can Momentum Realty connect me with an agent for Crown Point?
Where is Crown Point, and what county is it in?
Should you buy in Crown Point?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32404/32413)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2014 (14 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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