Emerald Pointe Resort
Homes for Sale in Panama City Beach, FL
All 726 homes for sale in Panama City Beach, FL · median $369,000 · 364 homes for sale in 32408 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of November 2026, Emerald Pointe Resort in Panama City Beach, FL has 10 homes for sale and 1 pending, asking from $149,500 to $229,000 (median $209,950). Over the 12 months ending 2026-11-11, 7 recorded sales closed at a median of $209,900, a median 17 days on market, sellers accepting 89% of original asking. Homes listed or recently sold were built 2000–2005; 11 of 11 report an HOA (median $227/mo); none of the 11 geocoded homes sit in a FEMA special flood hazard zone (median elevation 11 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $2,580 ($2,090 with the full homestead exemption).
Last 30 days in Emerald Pointe Resort: 1 new listing (median asking $221,000), 1 under contract right now. 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.
Homes For Sale Right Now in Emerald Pointe Resort
Live MLS inventory for Emerald Pointe Resort. 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 · 171 daysTop listing
Active · 484 days
Active · 12 days
Active · 41 days
Active · 99 days
Active · 266 days
Active · 59 days
Active · 130 days
Active · 324 days
Active · 37 daysActive and pending Emerald Pointe Resort 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.
Emerald Pointe Resort is currently pricing at a median of $190,500, and the year-over-year figure is down 9.3%. That kind of pullback after a long run tells you the market is in a cooling phase rather than a collapse — pricing here has more room to negotiate than it did a year ago, but it has not fallen off a cliff.
A market heat score of 34 puts this on the cooler end of the spectrum, and a median 29.5 days on market backs that up — homes are moving, just not at a competitive pace. For a seller, that means pricing accurately from day one matters more than it did in a hotter cycle. For a buyer, it means there is negotiating room and less pressure to move on the first showing.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Emerald Pointe Resort right now
🟢 Buyer-leaning market. 17.1 months of supply and 9% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of CPAR MLS records, as of November 11, 2026. Confidence: High (11 active and pending listings, 7 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 12, 2026 · Live data: CPAR MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Emerald Pointe Resort market snapshot (as of November 11, 2026): the median sale price is about $210K, a median 17 days on market for closed sales, and 17.1 months of supply, a buyer-leaning market.
In ZIP 32408 (Panama City Beach), 205 homes closed in the last 12 months at a median of $385K, with a median 83 days on market. Right now 389 active and 47 pending listings put supply at about 22.8 months — a soft market. See the live ZIP 32408 housing market and the Bay County market.
CPAR sales records identify 25 homes in Emerald Pointe Resort that have changed hands since 2008, built between 2000 and 2019 (median 2004), with a median living area of about 764 sq ft and a typical 2-bedroom, 2-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.
Flood zones in Emerald Pointe Resort: of 9 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Panama City Beach.
Emerald Pointe Resort sits in Panama City Beach, Bay County, at a price point well below the coastal median for the broader market, which typically points to a smaller-footprint or older-vintage condo product rather than newer construction.
The setting & the homes.
Aerial and on-site photos of Emerald Pointe Resort. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Emerald Pointe ResortEmerald Pointe ResortEmerald Pointe ResortEmerald Pointe ResortEmerald Pointe ResortEmerald Pointe ResortEmerald Pointe ResortEmerald Pointe ResortPhotos from CPAR MLS listings in Emerald Pointe Resort; content deemed reliable but not guaranteed.
Who Emerald Pointe Resort is best for.
Best for
- Buyers targeting a lower price point in Panama City Beach and willing to verify building specifics unit by unit
- Buyers comfortable negotiating in a cooler, slower-moving market
- Buyers focused on long-term value who can look past a recent single-year dip
Probably not for
- Buyers who need confirmed, documented community amenities before making an offer
- Sellers expecting the pricing momentum of a hot market to carry a listing
- Buyers who want a fast, competitive-bid environment
Emerald Pointe Resort on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from CPAR MLS. Map data © OpenStreetMap contributors.
The Emerald Pointe Resort buying strategy.
If we were buying in Emerald Pointe Resort 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 Emerald Pointe Resort.
A Long Climb, Then a Pause
The headline number here is the long-term one: pricing is up 257% since 2012. That is a full market cycle of appreciation, and it puts the current dip in context — the recent 9.3% year-over-year softening is a correction inside a much longer uptrend, not a reversal of it.
Current MLS listings do not identify specific community amenities for Emerald Pointe Resort, so buyers should treat that as a research item rather than an assumption — confirm directly what is and is not included before writing an offer. With a median price at $190,500 and days on market just under a month, this reads as a market where condition and unit-specific factors are doing most of the pricing work, not building-wide extras.
The location and the amenities are priced into every listing in Emerald Pointe Resort. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
A market with a heat score this low and a year-over-year dip rewards buyers and sellers who price off current data, not last year's comps. We track the closings here month to month so you are negotiating from where the market actually is, not where it was.
Emerald Pointe Resort in 15 seconds.
Tools for a Emerald Pointe Resort 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 Emerald Pointe Resort sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Emerald Pointe Resort, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Emerald Pointe Resort home worth?
Get a no-obligation home value based on real comparable sales in Emerald Pointe Resort, 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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Recently off market in Emerald Pointe Resort
Homes in Emerald Pointe Resort that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 10 on record.
- 1219 Navy Boulevard 109 · off market
- 1219 Navy Boulevard 160 · off market
- 1219 Navy Boulevard 218 · off market
- 1219 Navy Boulevard 232 · off market
- 1219 Navy Boulevard 234 · off market
- 1219 Navy Boulevard 79 · off market
- 1219 Thomas Drive 244 · off market
- 1219 Thomas Drive 25 · off market
| Location | Panama City Beach, Bay County, FL · ZIP 32408 |
|---|---|
| Home types (current listings and sales) | manufacturedhome 100% |
| Sale prices, last 12 months | $209,900 median across 7 closed sales |
| Days on market (closed sales) | 17 median |
| For sale right now | 10 active, 1 pending · median asking $209,950 · 17.1 months of supply |
Data 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. Market figures describe homes, not residents. Cite as: Momentum Realty, “Emerald Pointe Resort key facts,” movewithmomentum.com/neighborhoods/emerald-pointe-resort, data as of November 11, 2026.
Housing distress & ownership in Emerald Pointe Resort, Panama City Beach
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.
Just listed in Emerald Pointe Resort
The newest homes for sale in Emerald Pointe Resort right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 1219 Navy Boulevard 296, Panama City Beach, FL 32408 $221,000 · 1 bd · 2 ba · listed Oct 28, 2026 Courtesy of Lifes A Beach Real Estate, LLC
- 1219 Thomas Drive 95, Panama City, FL 32408 $149,500 · 2 bd · 2 ba · listed Oct 6, 2026 Courtesy of The Premier Property Group
- 1219 Navy Boulevard 47, Panama City, FL 32408 $215,000 · 1 bd · 1 ba · listed Oct 2, 2026 Courtesy of Counts Real Estate Group Inc
- 1219 Navy Boulevard 157, Panama City, FL 32408 $199,000 · 2 bd · 2 ba · listed Sep 14, 2026 Courtesy of CENTURY 21 Ryan Realty Inc
- 1219 Navy Boulevard 133, Panama City Beach, FL 32408 $214,900 · 2 bd · 2 ba · listed Aug 5, 2026 Courtesy of Berkshire Hathaway HomeServices Beach Properties of Florida
- 1219 Navy Boulevard 80, Panama City Beach, FL 32408 $194,900 · 1 bd · 2 ba · listed Jul 2, 2026 Courtesy of Lifes A Beach Real Estate, LLC
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Emerald Pointe Resort Right Now (11)
All 11 active and pending Emerald Pointe Resort listings with a detail page, newest first, refreshed twice a day from the MLS.
- 1219 Navy Boulevard 296, Panama City Beach, Fl 32408 · $221,000 · 1 bd / 2 ba · listed Oct 27, 2026 · listed by Lifes A Beach Real Estate, LLC
- 1219 Thomas Drive 95, Panama City, Fl 32408 · $149,500 · 2 bd / 2 ba · listed Oct 1, 2026 · listed by The Premier Property Group
- 1219 Navy Boulevard 47, Panama City, Fl 32408 · $215,000 · 1 bd / 1 ba · listed Sep 29, 2026 · listed by Counts Real Estate Group Inc
- 1219 Navy Boulevard 157, Panama City, Fl 32408 · $199,000 · 2 bd / 2 ba · listed Sep 10, 2026 · listed by CENTURY 21 Ryan Realty Inc
- 1219 Navy Boulevard 133, Panama City Beach, Fl 32408 · $214,900 · 2 bd / 2 ba · listed Aug 20, 2026 · listed by Berkshire Hathaway HomeServices Beach Properties of Florida
- 1219 Navy Boulevard 80, Panama City Beach, Fl 32408 · $194,900 · 1 bd / 2 ba · listed Aug 18, 2026 · listed by Lifes A Beach Real Estate, LLC
- 1219 Thomas 203, Panama City Beach, Fl 32408 · $224,000 · 2 bd / 2 ba · listed Aug 13, 2026 · listed by Lifes A Beach Real Estate, LLC
- 1219 Thomas 113, Panama City, Fl 32408 · $205,000 · 3 bd / 2 ba · listed Aug 13, 2026 · listed by Lifes A Beach Real Estate, LLC
- 1219 Thomas Drive 123, Panama City, Fl 32408 · $165,000 · 1 bd / 2 ba · listed Aug 13, 2026 · listed by Adventure Realty Group LLC
- 1219 Thomas Drive 69, Panama City Beach, Fl 32408 · $229,000 · 1 bd / 2 ba · listed Aug 13, 2026 · listed by Lifes A Beach Real Estate, LLC
- 1219 Navy Boulevard 148, Panama City, Fl 32408 · $214,500 · 3 bd / 2 ba · pending · listed Aug 13, 2026 · listed by Beachy Beach Real Estate
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9% of homes for sale in Emerald Pointe Resort 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 (2026-11-12).
What it really costs to own in Emerald Pointe Resort
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $1,389/yr across 20 listings here (MLS tax records, 2026-11-12). |
|---|---|
| HOA dues | Median $227/month across 14 MLS listings (most billed quarterly; 2026-11-12). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The 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. Flood: of 9 listing addresses checked against the FEMA flood map, 100% sit outside the high-risk zone. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2003 across 22 listings. An original roof here would be about 23 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Estimated carrying cost at the median asking price, before the mortgage: about $503/month (tax $116, HOA $227, insurance $161). An estimate from the sources above, not a quote.
Email me new listings in Emerald Pointe Resort
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Ask an agent about Emerald Pointe Resort
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Emerald Pointe Resort will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Emerald Pointe Resort?
How long do homes in Emerald Pointe Resort take to sell?
Is Emerald Pointe Resort a buyer's or seller's market right now?
Who is the best real estate agent for Emerald Pointe Resort?
How do I find a top Panama City Beach real estate agent who knows Emerald Pointe Resort?
Can Momentum Realty connect me with an agent for Emerald Pointe Resort?
Where is Emerald Pointe Resort, and what county is it in?
Is Emerald Pointe Resort a good place to live?
Should you buy in Emerald Pointe Resort?
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) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending November 11, 2026 |
| Under-contract shares | CPAR MLS records, as of 2026-11-11 |
| Historical depth | Closed-sale records back to 2026 (7 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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