Drummond & Ware Homes for Sale: 4 Listings, From $277K

Drummond & Ware
Homes for Sale in Panama City, FL

All 245 homes for sale in Panama City, FL · median $349,900 · 117 homes for sale in 32401 · Bay County homes for sale

Community in Panama City · Bay County · ZIP 32401
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True comps, carrying-cost math, and listings before the portals.

Photo via CPAR MLS

Built fromLive CPAR MLS data14 years of closingsUpdated twice daily

As of October 2026, Drummond & Ware in Panama City, FL has 5 homes for sale, asking from $277,400 to $999,000 (median $415,000). Homes listed or recently sold were built 1950–2023; none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 13 ft).

Last 30 days in Drummond & Ware: 2 new listings (median asking $425,000). 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.

Live · Drummond & Ware Housing Pulse CPAR MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
0%
Under contract
Bay: 17% (528 of 3,043)
4 · 0
For sale · pending
live counts, refreshed twice daily
1
Sold · last 12 mo
10-yr average: about 3 a year

Homes For Sale Right Now in Drummond & Ware

Live MLS inventory for Drummond & Ware. 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 Drummond & Ware 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.

Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written July 28, 2026

Drummond & Ware is not a community with a visible track record right now. The current MLS snapshot for this Panama City, Bay County pocket shows only two closings in the window we track, which is too thin a sample to draw a price trend, a days-on-market pattern, or a spread from it. Anyone telling you they know exactly where this market sits at the moment is guessing past the data.

What that means practically: pricing here has to be built home-by-home, using direct comps and condition, not a community-wide average. If you're buying, budget time for us to pull outside comps rather than lean on a thin internal dataset. If you're selling, expect your listing to set more of the local tone than react to it, simply because there isn't much recent activity 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

Drummond & Ware sits within Panama City in Bay County, but the current MLS feed shows very little recent transaction activity and no community amenities identified in active listings, so this is a market to evaluate on individual homes rather than a broader profile.

CPAR sales records identify 11 homes in Drummond & Ware that have changed hands since 2021, built between 1950 and 2023 (median 1996), with a median living area of about 1,920 sq ft and a typical 4-bedroom, 3-bath layout. 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.

Best for

  • A buyer targeting a specific property here who is comfortable pricing off outside comps rather than a neighborhood average.
  • A seller willing to let their listing help define current market posture rather than lean on recent comparable activity.
  • Someone prioritizing location within Panama City over a documented amenity package.

Probably not for

  • A buyer who wants a clear, data-backed trend line before making an offer.
  • Someone specifically shopping for a community with confirmed shared amenities.
  • A seller expecting recent comparable sales to help justify a listing price.

The market around Drummond & Ware

Drummond & Ware 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), 337 homes closed in the last 12 months at a median of $307K, up 0.5% year over year, with a median 62 days on market. Right now 166 active and 29 pending listings — a buyer's market. See the live ZIP 32401 housing market and the Bay County market.

ZIP and county figures describe the wider market, not Drummond & Ware specifically. Momentum Research analysis of MLS records.

Listing locations from CPAR MLS. Map data © OpenStreetMap contributors.

If we were buying in Drummond & Ware today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Drummond & Ware.

Best Buy
Buyers or sellers focused on a specific home rather than a broader community trend.
Biggest Risk
The data available right now is too thin to reliably project pricing or timing.
Sweet Spot
Works best when paired with direct, outside-comp pricing rather than relying on this snapshot alone.
Avoid If
Avoid leaning on this snapshot if you need a confident read on trend or amenity offerings before you decide.

A market with too few data points to generalize

With only two closings in the tracked window, Drummond & Ware doesn't offer enough volume to speak confidently about pricing direction, typical time on market, or how listings compare to what actually closes. That's simply a function of low turnover here right now, not a judgment on the community itself.

There's also no community amenity package identified from current MLS listings. That could mean the neighborhood doesn't carry shared amenities as a selling point, or it could mean listings simply aren't capturing them well in the data feed. Either way, we'd verify any specific amenity claim directly rather than assume it from the snapshot.

“

The location and the amenities are priced into every listing in Drummond & Ware. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

When a community's MLS data is this thin, the value we add shifts from reading a trend to building one from scratch — pulling comparable sales outside the immediate dataset, walking the physical condition of specific homes, and pricing or negotiating off real evidence instead of a community-wide average that doesn't exist yet.

Drummond & Ware in 15 seconds.

Best forBuyers or sellers focused on a specific home rather than a broader community trend.
Biggest advantageLow recent transaction volume means less competing inventory noise to sort through.
Biggest riskThe data available right now is too thin to reliably project pricing or timing.
Sweet spotWorks best when paired with direct, outside-comp pricing rather than relying on this snapshot alone.
Avoid ifAvoid leaning on this snapshot if you need a confident read on trend or amenity offerings before you decide.

What it really costs to own in Drummond & Ware

The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.

Property taxCurrent owners' bills run a median of $3,149/yr across 4 listings here (MLS tax records, 2026-10-20).
Home and flood insuranceThe 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.
Roof and ageMedian build year 2018 across 10 listings. An original roof here is about 8 years old: still inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage.

Email me new listings in Drummond & Ware

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.

Equal Housing Opportunity. Every community is open to everyone; alerts are about homes, never about who lives here.

Ask an agent about Drummond & Ware

Have a question about the homes, fees, rules or commute here? A Momentum agent who works Drummond & Ware will answer, and the answer is published on this page for the next buyer.

Property facts only: homes, fees, rules, commute. Every community is open to everyone; agents do not answer questions about who lives here.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Drummond & Ware homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Drummond & Ware.
In short
  • 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.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Drummond & Ware sales matched to your home.

What is your Drummond & Ware home worth?

Get a no-obligation home value based on real comparable sales in Drummond & Ware, 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 →

Real comps, not an automated estimate.
A buyer targeting a specific property here who is comfortable pricing off outside comps rather than a neighborhood average.Excellent fit
A seller willing to let their listing help define current market posture rather than lean on recent comparable activity.Excellent fit
Someone prioritizing location within Panama City over a documented amenity package.Excellent fit
A buyer who wants a clear, data-backed trend line before making an offer.Probably not
Someone specifically shopping for a community with confirmed shared amenities.Probably not
A seller expecting recent comparable sales to help justify a listing price.Probably not

Data sources & freshness

Live listingsCPAR MLS, refreshed twice daily (last: October 19, 2026)
Under-contract sharesCPAR MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2012 (57 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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Common questions about Drummond & Ware

Where is Drummond & Ware?

Drummond & Ware is a community in Panama City, Bay County, Florida, ZIP 32401 / 32405.

Are there homes for sale in Drummond & Ware right now?

Yes — 4 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.

Does Drummond & Ware have an HOA or CDD?

No HOA is on record for Drummond & Ware in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.

Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.

Thinking of selling in Drummond & Ware? 1 recorded closings (window ending 2026-09-20). See the Bay County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.

Housing distress & ownership in Drummond & Ware, Panama City

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 34 listings
Distress share trend — 0.0% now (2026-08-23 → 2026-09-26)

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.

Every Home for Sale in Drummond Ware Right Now (5)

All 5 active and pending Drummond Ware listings with a detail page, newest first, refreshed twice a day from the MLS.

Nearby Communities

Explore more neighborhoods near Drummond & Ware with Momentum Realty’s local guides.

College Village0.3 mi away · median $260K, 5 sales/12 moBayview Heights0.3 mi away · median $298K, 8 sales/12 moWainwright Park0.4 mi away · 1 for saleBayview (Bay)0.4 mi away · 22 homes, built 1942–20, 6 for saleE L Wood0.5 mi awayLakeside (Bay)0.6 mi away · median $140K, 3 sales/12 moSherwood (Bay)0.6 mi away · median $216K, 6 sales/12 moBatview Heights0.7 mi away

Browse all neighborhood guides →

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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.

$2,121/mo
Bay County typical true cost to own
$161/mo
Bay County typical home insurance
Check CDD
Confirm before you offer

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.