Harbour Towne
Homes for Sale in Panama City Beach, FL

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.

CPAR sales records identify 16 homes in Harbour Towne that have changed hands since 2021, built between 1986 and 2023 (median 1996), with a median living area of about 1,260 sq ft and a typical 2-bedroom, 2.5-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.

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.

Flood zones in Harbour Towne: of 8 listing addresses checked against the FEMA National Flood Hazard Layer, 100% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Panama City Beach.

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.

Harbour Towne is too small for its own price trend, so here is the market around it.

In ZIP 32407, 462 homes are on the market and 16% are under contract — a slower corner of Panama City Beach.

Across Bay County, 2,406 homes are active and 434 pending (15% under contract).

In ZIP 32407 (Panama City Beach), 198 homes closed in the last 12 months at a median of $376K ($183/sq ft), down 15.4% year over year, with a median 65 days on market. Right now 207 active and 61 pending listings put supply at about 12.5 months — a soft market. See the live ZIP 32407 housing market and the Bay County market.

ZIP and county figures describe the wider market, not Harbour Towne specifically. Momentum Research analysis of MLS records.

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.

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.