Harvey Heights
Homes for Sale in Panama City, FL
All 268 homes for sale in Panama City, FL · median $349,900 · 413 homes for sale in 32404 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of November 2026, Harvey Heights in Panama City, FL has 6 homes for sale, asking from $279,990 to $307,990 (median $293,490). Homes listed or recently sold were built 2026–2026 with 6 new construction; 6 of 6 report an HOA (median $25/mo); none of the 6 geocoded homes sit in a FEMA special flood hazard zone (median elevation 30 ft).
Homes For Sale Right Now in Harvey Heights
Live MLS inventory for Harvey Heights. 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 · 56 daysTop listing
Active · 64 days
Active · 37 days
Active · 45 days
Active · 45 days
Active · 281 daysActive and pending Harvey Heights 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.
Harvey Heights is a small inventory pool, and that shapes almost everything about how it should be read. With only 19 homes tracked in the current MLS snapshot, a single closing or a single new listing can move the picture more than it would in a larger community. Treat any one data point here as a signal to investigate, not a conclusion to act on.
The homestead share sitting at zero is worth noting on its own. It suggests the current inventory is not dominated by owner-occupied filings, which can point to investment holdings, recent turnover, or properties that simply have not been through a homestead cycle yet. None of that is inherently good or bad for a buyer, but it changes the questions worth asking about each specific address before writing an offer.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
The 60-Second Overview
Harvey Heights is a compact pocket of the Panama City market in Bay County, with a current inventory small enough that each listing carries real weight in reading the community's posture.
CPAR sales records identify 9 homes in Harvey Heights that have changed hands, built between 2025 and 2026 (median 2026), with a median living area of about 1,805 sq ft and a typical 4-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.
County records show 4 qualified sales in Harvey Heights across 2024–2025 (2 in 2024, 2 in 2025), median $221,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
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.
The setting & the homes.
Aerial and on-site photos of Harvey Heights. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Harvey HeightsHarvey HeightsHarvey HeightsHarvey HeightsHarvey HeightsHarvey HeightsPhotos from CPAR MLS listings in Harvey Heights; content deemed reliable but not guaranteed.
Who Harvey Heights is best for.
Best for
- A buyer with a specific Harvey Heights address already in mind who wants a clear-eyed read on it
- A buyer comfortable doing property-level diligence in a market with thin comparable data
- A buyer who does not need on-site amenities and is focused purely on the home and location
Probably not for
- A buyer who wants to compare a wide range of active listings within one community
- A buyer relying on shared amenities as part of the value proposition
- A buyer who wants a large, well-established sales history to lean on before deciding
The market around Harvey Heights
Harvey Heights is too small for its own price trend, so here is the market around it.
In ZIP 32404, 408 homes are on the market and 21% are under contract — a steady corner of Panama City.
Across Bay County, 2,406 homes are active and 434 pending (15% under contract).
In ZIP 32404 (Panama City), 223 homes closed in the last 12 months at a median of $275K, with a median 90 days on market. Right now 203 active and 64 pending listings put supply at about 10.9 months — a soft market. See the live ZIP 32404 housing market and the Bay County market.
ZIP and county figures describe the wider market, not Harvey Heights specifically. Momentum Research analysis of MLS records.
Harvey Heights 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 Harvey Heights buying strategy.
If we were buying in Harvey Heights 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 Harvey Heights.
A Market Defined by Scarcity, Not Scale
There is no meaningful amenity package tied to Harvey Heights in the current MLS data. That is not a flaw, it simply means the community's appeal, whatever it is, rests on the individual homes and the location itself rather than a shared clubhouse, gate, or recreation package. Anyone drawn here should be evaluating the property on its own terms.
With homestead share at zero across the tracked homes, this reads as a market where ownership status is worth confirming property by property rather than assuming. That single data point, paired with a small total home count, means broad statements about the community should be avoided. The better approach is a house-by-house look at condition, history, and terms.
The location and the amenities are priced into every listing in Harvey Heights. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
A community this small does not reward generic market reports. It rewards someone who will pull the actual listing history on the handful of homes that exist, flag what the zero homestead share might mean for a specific address, and tell you plainly if the data is too thin to draw a conclusion. That is the level of scrutiny Harvey Heights requires.
Harvey Heights in 15 seconds.
Tools for a Harvey Heights 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 Harvey Heights sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harvey Heights, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Harvey Heights home worth?
Get a no-obligation home value based on real comparable sales in Harvey Heights, 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 Harvey Heights
Homes in Harvey Heights 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. 3 on record.
- 5159 Harvey Street · off market
- 5167 Harvey Street · off market
- 5171 Harvey Street · off market
| Location | Panama City, Bay County, FL · ZIP 32404 |
|---|---|
| Homes in the community | 34 (FL DOR 2025 assessment roll) |
| Years built | 1953–2024 (median 1986.0) |
| Typical living area | 1,630 sq ft (median) |
| Home types (current listings and sales) | singlefamilyresidence 100% |
| For sale right now | 6 active, 0 pending · median asking $293,490 |
| Owner-occupied (homestead) share | 28% |
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; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Harvey Heights key facts,” movewithmomentum.com/neighborhoods/harvey-heights--bay, data as of November 11, 2026.
Housing distress & ownership in Harvey Heights, 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.
Every Home for Sale in Harvey Heights Bay Right Now (6)
All 6 active and pending Harvey Heights Bay listings with a detail page, newest first, refreshed twice a day from the MLS.
- 5129 Harvey Street, Panama City, Fl 32404 · $294,990 · 3 bd / 2 ba · listed Sep 23, 2026 · listed by Holiday Builders of the Gulf Coast
- 5145 Harvey Street, Panama City, Fl 32404 · $291,990 · 3 bd / 2 ba · listed Sep 23, 2026 · listed by Holiday Builders of the Gulf Coast
- 5141 Harvey Street, Panama City, Fl 32404 · $289,990 · 4 bd / 2 ba · listed Sep 23, 2026 · listed by Holiday Builders of the Gulf Coast
- 5125 Harvey Street, Panama City, Fl 32404 · $307,990 · 4 bd / 2 ba · listed Sep 11, 2026 · listed by Holiday Builders of the Gulf Coast
- 257 Seneca Avenue, Panama City, Fl 32404 · $295,990 · 4 bd / 2 ba · listed Sep 11, 2026 · listed by Holiday Builders of the Gulf Coast
- 5163 Harvey Street, Panama City, Fl 32404 · $279,990 · 3 bd / 2 ba · listed Aug 13, 2026 · listed by Holiday Builders of the Gulf Coast
More Panama City home searches
- All homes for sale in Panama City, FL
- Homes for sale in Bay County, FL
- Panama City home values: what is my house worth?
- ZIP 32404 housing scorecard
- 5 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
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
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20% of homes for sale in ZIP 32404 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 Harvey Heights
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 $109/yr across 12 listings here (MLS tax records, 2026-11-12). |
|---|---|
| HOA dues | Median $25/month across 6 MLS listings (most billed monthly; 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. |
| Roof and age | Median build year 2026 across 12 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Estimated carrying cost at the median asking price, before the mortgage: about $195/month (tax $9, HOA $25, insurance $161). An estimate from the sources above, not a quote.
Email me new listings in Harvey Heights
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 Harvey Heights
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Harvey Heights will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
How many homes are in Harvey Heights?
What share of Harvey Heights is owner-occupied?
When were the homes in Harvey Heights built?
Who is the best real estate agent for Harvey Heights?
How do I find a top Panama City real estate agent who knows Harvey Heights?
Can Momentum Realty connect me with an agent for Harvey Heights?
Where is Harvey Heights, and what county is it in?
Should you buy in Harvey Heights?
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) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32404)) |
| Under-contract shares | CPAR MLS records, as of 2026-11-11 |
| Historical depth | Closed-sale records back to 2026 (1 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. A Momentum agent can price yours against live local comps.
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See how Harvey Heights fits the bigger picture — live prices, inventory, and Momentum Scores: