Harbour Village At Historic St Andrews
Condos for Sale in Panama City, FL
All 245 homes for sale in Panama City, FL · median $349,900 · 224 condos for sale in Panama City · 117 homes for sale in 32401 · 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 Village At Historic St Andrews in Panama City, FL has 4 homes for sale and 2 pending, asking from $650,000 to $909,000 (median $887,500). Over the 12 months ending 2026-09-20, 5 recorded sales closed at a median of $425,000, a median 73 days on market, sellers accepting 98% of original asking (-11% versus the prior year). Homes listed or recently sold were built 2006–2006; 6 of 6 report an HOA (median $1,428/mo); none of the 6 geocoded homes sit in a FEMA special flood hazard zone (median elevation 20 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $5,220 ($4,730 with the full homestead exemption).
Last 30 days in Harbour Village At Historic St Andrews: 2 new listings (median asking $894,500), 2 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 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 and pending Harbour Village At Historic St Andrews listings as of 2026-10-20, 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
🔴 Off the recent peak. The trailing-12-month median ($425K) is down 11.1% from the prior 12 months ($478K) and up 32% since 2012. With about 7 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: Low (5 and 5 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 Village At Historic St Andrews market snapshot (as of September 20, 2026): the median sale price is about $425K, and a median 73 days on market for closed sales. The trailing-12-month median is down 11% from the prior 12 months and up 32% since 2012, computed from record-level CPAR MLS closed sales (5 closings in the current window).
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.
CPAR sales records identify 10 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 Andrews
Harbour Village At Historic St Andrews
Harbour Village At Historic St Andrews
Harbour Village At Historic St Andrews
Harbour Village At Historic St Andrews
Harbour 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
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 ($425K) IS the median in the snapshot above, and the move from 2025 ($478K) IS the -11.1% one-year change.
Windows contain 1 to 16 sales each (5 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.
14% 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 (2026-10-20).
Harbour Village At Historic St Andrews Market Scorecard
Harbour Village At Historic St Andrews is currently a balanced market., a median asking price of $880,000, and homes go under contract in about 96 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 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.
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 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.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Harbour Village At Historic St Andrews 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 (5.4). Basis: Long-Term Appreciation +32% since 2012; Recent Direction -11.1% year-over-year; Pricing Power 98.2% sale-to-list. Refreshed with each data update.
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?
Get a no-obligation home value based on real comparable sales in Harbour Village At Historic St Andrews, 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 →
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. 1 on record.
- 3001 W 10th Street 213 · off market
| Location | Panama City, Bay County, FL · ZIP 32401, 32408 |
|---|---|
| Home types (current listings and sales) | condos 100% |
| Sale prices, last 12 months | $425,000 median across 5 closed sales · -11.1% vs the prior 12 months |
| Days on market (closed sales) | 73 median |
| For sale right now | 5 active, 1 pending · median asking $880,000 |
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. 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 September 20, 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 203, Panama City, FL 32401 $880,000 · 3 bd · 3 ba · new today Courtesy of Hitchcock Real Estate LLC
- 3001 W 10Th Street 510, Panama City, FL 32401 $909,000 · 3 bd · 4 ba · 2 days on market Courtesy of Think Real Estate
- 3001 W 10Th Street 713, Panama City, FL 32401 $895,000 · 3 bd · 4 ba · 96 days on market Courtesy of Blue Coral R E Group LLC
- 3001 W 10Th Street 711, Panama City, FL 32401 $650,000 · 3 bd · 3 ba · 221 days on market Courtesy of Counts Real Estate Group Inc
Checked against the MLS Oct 20, 2026. 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 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 202, Panama City, Fl 32401 · $425,000 · 2 bd / 3 ba · pending · listed Aug 20, 2026 · listed by Berkshire Hathaway HomeServices Beach Properties of Florida
- 3001 W 10th Street 713, Panama City, Fl 32401 · $895,000 · 3 bd / 4 ba · listed Aug 3, 2026 · listed by Blue Coral R E Group LLC
- 3001 W 10th Street 610, Panama City, Fl 32401 · $899,000 · 3 bd / 4 ba · pending · listed Jul 27, 2026 · listed by Anchor Realty Florida
- 3001 W 10th Street 711, Panama City, Fl 32401 · $650,000 · 3 bd / 3 ba · listed Jul 22, 2026 · listed by Counts Real Estate Group Inc
More Panama City home searches
- All homes for sale in Panama City, FL
- Homes for sale in Bay County, FL
- Homes under $300K in Panama City
- Homes from $300K to $500K in Panama City
- 4-bedroom homes for sale in Panama City
- Panama City home values: what is my house worth?
- ZIP 32401 housing scorecard
- 3 coming-soon communities in Bay County
Panama City guides & data
- Market data
- Best neighborhoods (ranked by data)
- Flood zones
- Home insurance cost
- New construction
- ZIP codes
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
Real estate agent in Panama City? Join Momentum in Panama City: 100% commission, one $12K cap.
What it really costs to own in Harbour Village At Historic St Andrews Condos for Sale
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, 2026-10-20). |
|---|---|
| HOA dues | Median $1,428/month across 6 MLS listings (most billed quarterly; 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 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 $2,270/month (tax $682, HOA $1,428, insurance $161). An estimate from the sources above, not a quote.
Email me new listings in Harbour Village At Historic St Andrews Condos for Sale
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.
Ask an agent about Harbour Village At Historic St Andrews Condos for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Harbour Village At Historic St Andrews Condos for Sale will answer, and the answer is published on this page for the next buyer.
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?
Have Harbour Village At Historic St Andrews home prices gone up?
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: October 20, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (109 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 →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Harbour Village At Historic St Andrews fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Harbour Village At Historic St Andrews with Momentum Realty’s local guides.
More on Harbour Village At Historic St Andrews Condos for Sale in Panama City
- Home values · What homes in Harbour Village At Historic St Andrews Condos for Sale in Panama City actually sell for