Deer Point Lake
Homes for Sale in Panama City, FL
All 257 homes for sale in Panama City, FL · median $349,000 · 302 homes for sale in 32404 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of October 2026, Deer Point Lake in Panama City, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $599,000, a median 107 days on market, sellers accepting 89% of original asking. 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).
| Location | Panama City, Bay County, FL · ZIP 32404, 32409, 32466 |
|---|---|
| Sale prices, last 12 months | $599,000 median across 3 closed sales |
| Days on market (closed sales) | 107 median |
| For sale right now | 1 active, 0 pending · median asking $439,000 |
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. Market figures describe homes, not residents. Cite as: Momentum Realty, “Deer Point Lake key facts,” movewithmomentum.com/neighborhoods/deer-point-lake, data as of September 20, 2026.
The 60-Second Overview
Deer Point Lake market snapshot (as of September 20, 2026): the median sale price is about $599K, and a median 107 days on market for closed sales.
In ZIP 32404 (Panama City), 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.
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 ($599K) IS the median in the snapshot above.
Windows contain 0 to 4 sales each (3 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.
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.
26% of homes for sale in ZIP 32466 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 (2026-10-02).
Deer Point Lake Market Scorecard
Deer Point Lake is currently a balanced market., a median asking price of $439,000, and homes go under contract in about 105 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.
Housing distress & ownership in Deer Point Lake, Panama City
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.
Homes For Sale Right Now in Deer Point Lake
Live MLS inventory for Deer Point Lake. 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 Deer Point Lake listings as of 2026-10-01, 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.
Every Home for Sale in Deer Point Lake Right Now (1)
All 1 active and pending Deer Point Lake listings with a detail page, newest first, refreshed twice a day from the MLS.
- 5955 Piza Circle, Youngstown, Fl 32466 · $430,000 · 3 bd / 2 ba · listed Aug 19, 2026 · listed by Panhandle Real Estate
The Deer Point Lake buying strategy.
If we were buying in Deer Point Lake 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 Deer Point Lake.
A closer look at the Deer Point Lake market
Homes in Deer Point Lake trade around a median of $599K, where condition and lot do more to set the final number than the asking price does.
The location and the amenities are priced into every listing in Deer Point Lake. The deal is won or lost on condition, the comps, and the renovation math.
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 Deer Point Lake 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 Deer Point Lake sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Deer Point Lake, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Deer Point Lake home worth?
Get a no-obligation home value based on real comparable sales in Deer Point Lake, 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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Frequently Asked Questions
What is the median home price in Deer Point Lake?
How long do homes in Deer Point Lake take to sell?
Who is the best real estate agent for Deer Point Lake?
How do I find a top Panama City real estate agent who knows Deer Point Lake?
Can Momentum Realty connect me with an agent for Deer Point Lake?
Where is Deer Point Lake, and what county is it in?
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: October 1, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (25 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. Momentum sells for 1.25% above the CPAR MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
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See how Deer Point Lake fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Deer Point Lake
- Home values · What homes in Deer Point Lake actually sell for
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