Harbour Towne
Homes for Sale in Panama City Beach, FL
All 731 homes for sale in Panama City Beach, FL · median $365,000 · 397 homes for sale in 32407 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via CPAR MLS
As of October 2026, Harbour Towne in Panama City Beach, FL has 7 homes for sale and 1 pending, asking from $169,000 to $639,900 (median $298,000). Over the 12 months ending 2026-09-20, 8 recorded sales closed at a median of $317,500, a median 117 days on market, sellers accepting 93% of original asking (-4% versus the prior year). Homes listed or recently sold were built 1986–2023; 8 of 8 report an HOA (median $174/mo); 7 of the 8 geocoded homes sit in a FEMA special flood hazard zone (median elevation 5 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $3,900 ($3,410 with the full homestead exemption).
Last 30 days in Harbour Towne: 1 new listing (median asking $260,000), 1 under contract right now. 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.
Homes For Sale Right Now in Harbour Towne
Live MLS inventory for Harbour Towne. 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 Harbour Towne 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.
Harbour Towne is a small, older Panama City Beach community — 130 homes built mostly around the early 1990s, with a handful stretching all the way to 2024. That age spread does most of the work on price. The median sits at $295,000, but with construction dates ranging from 1986 to 2024, you are pricing individual condition and updates far more than you are pricing the community as a whole.
Only 9 closings inform this snapshot, so treat the numbers as directional rather than exact. Prices are down 11.5% year over year and homes are taking just over 43 days to sell, with a market heat score of 58 — a community that is neither chasing offers nor sitting stagnant. A homestead share of 41.3% tells you a meaningful share of owners here are not full-time residents, which matters for how you think about turnover and rental activity.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Harbour Towne right now
🟡 Off the recent peak. The trailing-12-month median ($318K) is down 3.8% from the prior 12 months ($330K). With about 8 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level CPAR MLS closed sales, 12-month windows ending September 20. Confidence: Medium (8 and 11 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 20, 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
Harbour Towne market snapshot (as of September 20, 2026): the median sale price is about $318K, and a median 118 days on market for closed sales. The trailing-12-month median is down 4% from the prior 12 months, computed from record-level CPAR MLS closed sales (8 closings in the current window).
In ZIP 32407 (Panama City Beach), 1,458 homes closed in the last 12 months at a median of $398K ($183/sq ft), down 1.6% year over year, with a median 80 days on market. Right now 1,101 active and 151 pending listings put supply at about 6.7 months — a buyer's market. See the live ZIP 32407 housing market and the Bay County market.
County records show 18 qualified sales in Harbour Towne across 2024–2025 (11 in 2024, 7 in 2025), median $330,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Harbour Towne is a community of 130 homes in Panama City Beach, Bay County, built between 1986 and 2024 (median 1992.0), with a median living area of about 1,559 square feet. 41% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Harbour Towne is a modest-sized Panama City Beach community of 130 homes spanning nearly four decades of construction, with a typical unit built around 1992 and running about 1,559 square feet of living space.
The setting & the homes.
Aerial and on-site photos of Harbour Towne. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Harbour TownePhotos from CPAR MLS listings in Harbour Towne; content deemed reliable but not guaranteed.
Who Harbour Towne is best for.
Best for
- Buyers who want a smaller-scale Panama City Beach community and are willing to vet each unit's condition individually
- Second-home or investment buyers comfortable with a community where a majority of owners are not homesteading
- Buyers targeting a home near the median size (roughly 1,559 sqft) with some room to negotiate on a $295,000 median in a softening price environment
Probably not for
- Buyers who want move-in-ready certainty without budgeting for condition variance across a nearly 40-year construction span
- Buyers who expect defined community amenities like a pool or clubhouse as part of the purchase
- Buyers who need a large, statistically deep comp set before making pricing decisions — this community closes very few homes per window
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 ($318K) IS the median in the snapshot above, and the move from 2025 ($330K) IS the -3.8% one-year change.
Windows contain 1 to 12 sales each (8 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.
17% of homes for sale in ZIP 32407 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 (2026-10-20).
Harbour Towne Market Scorecard
Harbour Towne is currently a balanced market., a median asking price of $317,448, and homes go under contract in about 99 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.
Harbour Towne 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 Harbour Towne buying strategy.
If we were buying in Harbour Towne 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 Harbour Towne.
A community priced by condition, not by comps
With a median year built of 1992 but a construction range stretching to 2024, Harbour Towne is not architecturally uniform. Older units carry original systems and finishes unless updated; newer builds within the community reset expectations on layout and materials. That gap is the main driver behind pricing here — two homes with the same square footage can land in very different places depending on what has been touched and when.
The 41.3% homestead share is a useful data point for anyone evaluating this as a primary residence versus a second home or rental. Just under half of owners claim it as their permanent address, which is common for beach-adjacent Bay County inventory and worth factoring into expectations around occupancy patterns and resale timing. No community amenities are currently identified from MLS data, so buyers should confirm directly what, if anything, is included before assuming pool or clubhouse access.
The location and the amenities are priced into every listing in Harbour Towne. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Harbour Towne buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (4.9). Basis: Recent Direction -3.8% year-over-year; Owner Commitment 41% owner-occupied; Pricing Power 93.5% sale-to-list. Refreshed with each data update.
Why work with Momentum here
A 9-closing sample size means the headline numbers can shift fast with the next handful of sales. We track Harbour Towne closing by closing rather than relying on a stale median, and we can walk you through which specific units are driving the current $295,000 figure up or down before you anchor an offer to it.
Harbour Towne in 15 seconds.
Tools for a Harbour Towne 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 Harbour Towne sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbour Towne, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Harbour Towne home worth?
Get a no-obligation home value based on real comparable sales in Harbour Towne, 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 32407, 32408 |
|---|---|
| Homes in the community | 130 (FL DOR 2025 assessment roll) |
| Years built | 1986–2024 (median 1992.0) |
| Typical living area | 1,559 sq ft (median) |
| Home types (current listings and sales) | attached 75%, singlefamilyresidence 25% |
| Sale prices, last 12 months | $317,500 median across 8 closed sales · -3.8% vs the prior 12 months |
| Days on market (closed sales) | 117 median |
| For sale right now | 6 active, 0 pending · median asking $317,448 |
| Owner-occupied (homestead) share | 41% |
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, “Harbour Towne key facts,” movewithmomentum.com/neighborhoods/harbour-towne, data as of September 20, 2026.
Housing distress & ownership in Harbour Towne, 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 Harbour Towne
The newest homes for sale in Harbour Towne right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 6585 Harbour Boulevard, Panama City Beach, FL 32407 $260,000 · 2 bd · 3 ba · 1 day on market Courtesy of LPT Realty LLC
- 6712 Harbour Boulevard, Panama City Beach, FL 32407 $639,900 · 3 bd · 3 ba · 32 days on market Courtesy of Better Homes and Gardens Coast Properties
- 6511 Harbour Boulevard, Panama City Beach, FL 32407 $298,000 · 2 bd · 3 ba · 77 days on market Courtesy of Think Real Estate
- 6560 Harbour Boulevard, Panama City Beach, FL 32407 $169,000 · 1 bd · 1 ba · 99 days on market Courtesy of Eagle American Realty Group LLC
- 6720 Harbour Boulevard, Panama City Beach, FL 32407 $630,000 · 4 bd · 3 ba · 174 days on market Courtesy of QUORA REALTY
- 6590 Harbour Boulevard, Panama City Beach, FL 32407 $325,000 · 2 bd · 3 ba · 268 days on market Courtesy of Red Realty Beachside Properties LLC
Checked against the MLS Oct 20, 2026. All new listings in this market.
Every Home for Sale in Harbour Towne Right Now (8)
All 8 active and pending Harbour Towne listings with a detail page, newest first, refreshed twice a day from the MLS.
- 6585 Harbour Boulevard, Panama City Beach, Fl 32407 · $260,000 · 2 bd / 3 ba · listed Oct 16, 2026 · listed by LPT Realty LLC
- 6532 Harbour Boulevard, Panama City Beach, Fl 32407 · $324,900 · 2 bd / 3 ba · pending · listed Oct 3, 2026 · listed by Salty Marlin Realty LLC
- 6712 Harbour Boulevard, Panama City Beach, Fl 32407 · $639,900 · 3 bd / 3 ba · listed Aug 21, 2026 · listed by Better Homes and Gardens Coast Properties
- 6511 Harbour Boulevard, Panama City Beach, Fl 32407 · $298,000 · 2 bd / 3 ba · listed Aug 13, 2026 · listed by Think Real Estate
- 6720 Harbour Boulevard, Panama City Beach, Fl 32407 · $630,000 · 4 bd / 3 ba · listed Jul 22, 2026 · listed by Quora Realty
- 6590 Harbour Boulevard, Panama City Beach, Fl 32407 · $325,000 · 2 bd / 3 ba · listed Jul 22, 2026 · listed by Red Realty Beachside Properties LLC
- 1008 Wildwood Road, Panama City Beach, Fl 32407 · $215,000 · 2 bd / 3 ba · listed Jul 22, 2026 · listed by Keller Williams Success Realty
- 6560 Harbour Boulevard, Panama City Beach, Fl 32407 · $169,000 · 1 bd / 1 ba · listed Jul 22, 2026 · listed by Eagle American Realty Group LLC
More Panama City Beach home searches
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- Panama City Beach home values: what is my house worth?
- ZIP 32407 housing scorecard
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Panama City Beach guides & data
- Market data
- Best neighborhoods (ranked by data)
- Flood zones
- Home insurance cost
- New construction
- ZIP codes
Florida buyer guides
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- Florida property tax calculator
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- The 4-point inspection, explained
- Florida flood insurance calculator
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Ask an agent about Harbour Towne
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Harbour Towne will answer, and the answer is published on this page for the next buyer.
What it really costs to own in Harbour Towne
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 $2,891/yr across 16 listings here (MLS tax records, 2026-10-20). |
|---|---|
| HOA dues | Median $174/month across 8 MLS listings (most billed monthly; 2026-10-20). 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. |
| Roof and age | Median build year 1992 across 16 listings. An original roof here would be about 34 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 $576/month (tax $241, HOA $174, insurance $161). An estimate from the sources above, not a quote.
Frequently Asked Questions
What is the median home price in Harbour Towne?
How long do homes in Harbour Towne take to sell?
How many homes are in Harbour Towne?
What share of Harbour Towne is owner-occupied?
When were the homes in Harbour Towne built?
Who is the best real estate agent for Harbour Towne?
How do I find a top Panama City Beach real estate agent who knows Harbour Towne?
Can Momentum Realty connect me with an agent for Harbour Towne?
Where is Harbour Towne, and what county is it in?
Is Harbour Towne a good place to live?
Should you buy in Harbour Towne?
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: October 19, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32407/32408)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (108 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 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.
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See how Harbour Towne fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Harbour Towne
- Home values · What homes in Harbour Towne actually sell for
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