Harbour Village At Historic St Andrews
Condos for Sale in Panama City, FL
All 268 homes for sale in Panama City, FL · median $349,900 · 234 condos for sale in Panama City · 166 homes for sale in 32401 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of November 2026, Harbour Village At Historic St Andrews in Panama City, FL has 6 homes for sale, asking from $650,000 to $909,000 (median $887,500). Over the 12 months ending 2026-11-11, 4 recorded sales closed at a median of $408,750, a median 36 days on market, sellers accepting 96% of original asking. Homes listed or recently sold were built 2006–2006; 6 of 6 report an HOA (median $1,455/mo); none of the 6 geocoded homes sit in a FEMA special flood hazard zone (median elevation 21 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $5,020 ($4,530 with the full homestead exemption).
Last 30 days in Harbour Village At Historic St Andrews: 1 new listing (median asking $870,000). As of November 12, 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 Village At Historic St Andrews
Live MLS inventory for Harbour Village At Historic St Andrews. 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 · 93 daysTop listing
Active · 110 days
Active · 96 days
Active · 34 days
Active · 3 days
Active · 238 daysActive and pending Harbour Village At Historic St Andrews 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.
Harbour Village trades on very few data points right now — the current snapshot reflects just 4 closings, so any single sale can swing the numbers hard. That is the context for the -30.3% year-over-year figure: it reads dramatic, but with a sample this small it says more about which specific homes changed hands than about a broad repricing of the community.
The median sits at $418,750, and the market heat score of 26 points to a slow, buyer-leaning posture. Median days on market above 90 tells the same story — homes here are not moving quickly, which gives buyers room to negotiate and sellers a reason to price and present carefully rather than test the market.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Harbour Village At Historic St Andrews right now
🟢 Buyer-leaning market. 18.0 months of supply and 0% 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: Medium (6 active and pending listings, 4 closed sales in 12 months).
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· Updated November 13, 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 Village At Historic St Andrews market snapshot (as of November 11, 2026): the median sale price is about $409K, a median 36 days on market for closed sales, and 18.0 months of supply, a buyer-leaning market.
In ZIP 32401 (Panama City), 26 homes closed in the last 12 months at a median of $197K, with a median 73 days on market. Right now 23 active and 2 pending listings put supply at about 10.6 months — a soft market. See the live ZIP 32401 housing market and the Bay County market.
CPAR sales records identify 11 homes in Harbour Village At Historic St Andrews that have changed hands since 2016, built between 2006 and 2006 (median 2006), with a median living area of about 2,001 sq ft and a typical 3-bedroom, 3-bath layout; 100% are condominiums. Source: CPAR closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Harbour Village At Historic St Andrews is a smaller Panama City community where sales activity is limited enough that pricing trends should be read with caution rather than taken at face value. The longer-view since-2012 gain of 37% suggests the community has held value over time even as recent-year movement looks more volatile.
The setting & the homes.
Aerial and on-site photos of Harbour Village At Historic St Andrews. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Harbour Village At Historic St AndrewsHarbour Village At Historic St AndrewsHarbour Village At Historic St AndrewsHarbour Village At Historic St AndrewsHarbour Village At Historic St AndrewsHarbour Village At Historic St AndrewsPhotos from CPAR MLS listings in Harbour Village At Historic St Andrews; content deemed reliable but not guaranteed.
Who Harbour Village At Historic St Andrews is best for.
Best for
- Buyers who have time to wait through a longer selling cycle and negotiate on price
- Buyers prioritizing the home itself over a shared amenity package
- Sellers who can price conservatively and hold for the right offer given slower turnover
Probably not for
- Sellers who need a quick sale and cannot accommodate an extended time on market
- Buyers who want a large recent-sales dataset to benchmark price with certainty
- Buyers specifically seeking on-site community amenities as part of the purchase decision
Harbour Village At Historic St Andrews 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 Village At Historic St Andrews buying strategy.
If we were buying in Harbour Village At Historic St Andrews 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 Harbour Village At Historic St Andrews.
Reading a thin market honestly
With only 4 closings in the current window, Harbour Village does not generate the volume of data that makes year-over-year percentages reliable on their own. A -30.3% figure in a market like this is typically driven by the mix of what sold — a couple of lower-priced or more dated closings can pull the median down without reflecting a shift in what similar homes are actually worth.
The median days on market of 92.5 is the more dependable signal: it says homes here are sitting for a season before they sell, not a matter of weeks. Combined with no standout amenities identified from current MLS listings, this reads as a community where value is tied to the individual home and lot rather than a shared amenity package — buyers and sellers should expect pricing conversations to center on condition, location within the community, and comparable recent sales rather than broad market momentum.
The location and the amenities are priced into every listing in Harbour Village At Historic St Andrews. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market with this few closings, the comps that exist matter more than usual — we pull and vet them individually rather than leaning on a broad trend line, and we will tell you plainly when a headline percentage is more noise than signal.
Harbour Village At Historic St Andrews in 15 seconds.
Tools for a Harbour Village At Historic St Andrews 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 Village At Historic St Andrews sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbour Village At Historic St Andrews, 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 Village At Historic St Andrews home worth?
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Recently off market in Harbour Village At Historic St Andrews
Homes in Harbour Village At Historic St Andrews 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. 2 on record.
- 3001 W 10th Street 202 · off market
- 3001 W 10th Street 213 · off market
| Location | Panama City, Bay County, FL · ZIP 32401 |
|---|---|
| Home types (current listings and sales) | condos 100% |
| Sale prices, last 12 months | $408,750 median across 4 closed sales |
| Days on market (closed sales) | 36 median |
| For sale right now | 6 active, 0 pending · median asking $887,500 · 18.0 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, “Harbour Village At Historic St Andrews key facts,” movewithmomentum.com/neighborhoods/harbour-village-at-historic-st-andrews, data as of November 11, 2026.
Housing distress & ownership in Harbour Village At Historic St Andrews, 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.
Just listed in Harbour Village At Historic St Andrews
The newest homes for sale in Harbour Village At Historic St Andrews right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 3001 W 10Th Street 519, Panama City, FL 32401 $870,000 · 3 bd · 3 ba · listed Nov 10, 2026 Courtesy of Blue Coral R E Group LLC
- 3001 W 10Th Street 203, Panama City, FL 32401 $880,000 · 3 bd · 3 ba · listed Oct 10, 2026 Courtesy of Hitchcock Real Estate LLC
- 3001 W 10Th Street 510, Panama City, FL 32401 $909,000 · 3 bd · 4 ba · listed Aug 12, 2026 Courtesy of Think Real Estate
- 3001 W 10Th Street 713, Panama City, FL 32401 $895,000 · 3 bd · 4 ba · listed Aug 9, 2026 Courtesy of Blue Coral R E Group LLC
- 3001 W 10Th Street 610, Panama City, FL 32401 $899,000 · 3 bd · 4 ba · listed Jul 26, 2026 Courtesy of Anchor Realty Florida
- 3001 W 10Th Street 711, Panama City, FL 32401 $650,000 · 3 bd · 3 ba · listed Mar 20, 2026 Courtesy of Counts Real Estate Group Inc
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Harbour Village At Historic St Andrews Right Now (6)
All 6 active and pending Harbour Village At Historic St Andrews listings with a detail page, newest first, refreshed twice a day from the MLS.
- 3001 W 10th Street 519, Panama City, Fl 32401 · $870,000 · 3 bd / 3 ba · listed Oct 24, 2026 · listed by Blue Coral R E Group LLC
- 3001 W 10th Street 203, Panama City, Fl 32401 · $880,000 · 3 bd / 3 ba · listed Sep 20, 2026 · listed by Hitchcock Real Estate LLC
- 3001 W 10th Street 510, Panama City, Fl 32401 · $909,000 · 3 bd / 4 ba · listed Sep 8, 2026 · listed by Think Real Estate
- 3001 W 10th Street 610, Panama City, Fl 32401 · $899,000 · 3 bd / 4 ba · listed Aug 14, 2026 · listed by Anchor Realty Florida
- 3001 W 10th Street 713, Panama City, Fl 32401 · $895,000 · 3 bd / 4 ba · listed Aug 14, 2026 · listed by Blue Coral R E Group LLC
- 3001 W 10th Street 711, Panama City, Fl 32401 · $650,000 · 3 bd / 3 ba · listed Aug 14, 2026 · listed by Counts Real Estate Group Inc
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11% of homes for sale in ZIP 32401 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 Harbour Village At Historic St Andrews
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 $8,181/yr across 10 listings here (MLS tax records, 2026-11-13). |
|---|---|
| HOA dues | Median $1,344/month across 7 MLS listings (most billed quarterly; 2026-11-13). 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 2006 across 12 listings. An original roof here would be about 20 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 $2,186/month (tax $682, HOA $1,344, insurance $161). An estimate from the sources above, not a quote.
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Ask an agent about Harbour Village At Historic St Andrews Condos for Sale
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Frequently Asked Questions
What is the median home price in Harbour Village At Historic St Andrews?
How long do homes in Harbour Village At Historic St Andrews take to sell?
Is Harbour Village At Historic St Andrews a buyer's or seller's market right now?
Who is the best real estate agent for Harbour Village At Historic St Andrews?
How do I find a top Panama City real estate agent who knows Harbour Village At Historic St Andrews?
Can Momentum Realty connect me with an agent for Harbour Village At Historic St Andrews?
Where is Harbour Village At Historic St Andrews, and what county is it in?
Should you buy in Harbour Village At Historic St Andrews?
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 (4 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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