Highpoint in Panama City

Highpoint
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

Community in Panama City · Bay County · ZIP 32404
28 homesBuilt 1943–2005
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Photo via CPAR MLS

Built fromLive CPAR MLS dataFL DOR public recordsUpdated twice daily

As of November 2026, Highpoint in Panama City, FL has 5 homes for sale, asking from $445,000 to $650,000 (median $465,000). Homes listed or recently sold were built 1971–2000; none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 17 ft).

Last 30 days in Highpoint: 3 new listings (median asking $465,000). 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.

Live · Highpoint Housing Pulse CPAR MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
0%
Under contract
Bay: 15% (434 of 2,840)
5 · 0
For sale · pending
live counts, refreshed twice daily
Ownership and context
55%
Owner-occupied · Highpoint
21 of 38 parcels homesteaded (FL DOR 2025)
45%
Non-owner-occupied · Highpoint
incl. 8% trust or LLC-held · 13% out-of-state
28
Homes in the community
plus 10 vacant residential lots · 38 residential parcels (FL DOR 2025)
Track record · 0 years of records
3
Recorded sales · 2024-2024
median $400K · qualified sales on the county roll (FL DOR 2025)
1943–2005
Years homes were built
median 1985 · county roll (FL DOR 2025)

Homes For Sale Right Now in Highpoint

Live MLS inventory for Highpoint. 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 Highpoint 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.

Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written July 28, 2026

Highpoint's pricing comes down to condition and vintage more than anything else. With homes built anywhere from 1943 to 2020 and a median year built of 1991, the housing stock spans a wide range of ages, and a buyer's number will move a lot depending on whether a given house has been updated or still carries original systems and finishes.

A median of 55 days on market says this is not a snap-decision community, but it is not sitting stagnant either. Sellers should price realistically for condition rather than assume a quick sale, and buyers who move decisively on a well-kept listing still have room to negotiate on ones that need work.

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

Highpoint is an established Panama City neighborhood in Bay County with 167 homes on record, a median living area of 2,244 square feet, and a median price of $432,500 — figures that reflect a mix of build eras rather than a single uniform product.

CPAR sales records identify 8 homes in Highpoint that have changed hands since 2022, built between 1971 and 2019 (median 2000), with a median living area of about 2,203 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 3 qualified sales in Highpoint across 2024–2024, median $400,000 — 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.

Best for

  • Buyers targeting a home near 2,200-plus square feet at a price around the mid-$400s who are open to a range of build years.
  • Buyers comfortable doing diligence on an older home's systems in exchange for potential value versus newer construction.
  • Owner-occupant buyers who want an established, already-settled neighborhood rather than a new-build subdivision.

Probably not for

  • Buyers who want a defined amenity package — pool, clubhouse, gated entry — since none are identified in current listings.
  • Buyers who want move-in-ready certainty without budgeting time or funds for inspection-driven repairs.
  • Buyers expecting a fast, low-negotiation transaction given the market's typical time to contract.

The market around Highpoint

Highpoint 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 Highpoint specifically. Momentum Research analysis of MLS records.

Listing locations from CPAR MLS. Map data © OpenStreetMap contributors.

If we were buying in Highpoint today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Highpoint.

Best Buy
Buyers who want an established Panama City address and are comfortable evaluating homes on a case-by-case condition basis.
Biggest Risk
A median 55 days on market means overpriced or dated listings can sit rather than move quickly.
Sweet Spot
Move-in-ready or thoughtfully updated homes near the median size and price tend to draw the most consistent interest.
Avoid If
Avoid if you want a community with defined shared amenities like a pool, clubhouse, or gated entry — none are identified here.

A market shaped by vintage, not uniformity

The spread from 1943 to 2020 construction means Highpoint isn't a single-phase subdivision with matching floor plans — it's a long-settled area where older homes sit alongside more recent builds. That range is the main driver of price variation buyers will see listing to listing; two homes at similar square footage can land far apart depending on when they were built and how they've been maintained.

About 68% of homes here carry a homestead exemption, which points to a base of owner-occupied properties rather than a market dominated by short-term rental or flip turnover. Current MLS data show no identified community amenities, so this is a neighborhood valued on the homes and location themselves rather than a shared clubhouse, pool, or gate.

“

The location and the amenities are priced into every listing in Highpoint. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

Because Highpoint's value swings on condition and build era more than location alone, pricing a home here well — or evaluating an offer — takes someone who reads the age of the systems, not just the square footage. We walk that line with buyers and sellers on every listing in this community.

Highpoint in 15 seconds.

Best forBuyers who want an established Panama City address and are comfortable evaluating homes on a case-by-case condition basis.
Biggest advantageThe wide vintage range means opportunities exist at multiple price points within one neighborhood.
Biggest riskA median 55 days on market means overpriced or dated listings can sit rather than move quickly.
Sweet spotMove-in-ready or thoughtfully updated homes near the median size and price tend to draw the most consistent interest.
Avoid ifAvoid if you want a community with defined shared amenities like a pool, clubhouse, or gated entry — none are identified here.
The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Highpoint sales matched to your home.

What is your Highpoint home worth?

Get a no-obligation home value based on real comparable sales in Highpoint, 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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Real comps, not an automated estimate.

Recently off market in Highpoint

Homes in Highpoint 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.

Highpoint key facts
LocationPanama City, Bay County, FL · ZIP 32404
Homes in the community28 (FL DOR 2025 assessment roll)
Years built1943–2005 (median 1985.0)
Typical living area2,486 sq ft (median)
Home types (current listings and sales)singlefamilyresidence 80%, multifamily 20%
For sale right now5 active, 0 pending · median asking $465,000
Owner-occupied (homestead) share55%

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, “Highpoint key facts,” movewithmomentum.com/neighborhoods/highpoint, data as of November 11, 2026.

Housing distress & ownership in Highpoint, Panama City

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 11 listings
Distress share trend — 0.0% now (2026-08-12 → 2026-11-11)

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 Highpoint

The newest homes for sale in Highpoint right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.

Checked against the MLS nightly. All new listings in this market.

Every Home for Sale in Highpoint Right Now (5)

All 5 active and pending Highpoint listings with a detail page, newest first, refreshed twice a day from the MLS.

How much local inventory is already under contract

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 Highpoint

The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.

Property taxCurrent owners' bills run a median of $4,042/yr across 8 listings here (MLS tax records, 2026-11-12).
Home and flood insuranceThe 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 ageMedian build year 1982 across 10 listings. An original roof here would be about 44 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.

Email me new listings in Highpoint

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.

Equal Housing Opportunity. Every community is open to everyone; alerts are about homes, never about who lives here.

Ask an agent about Highpoint

Have a question about the homes, fees, rules or commute here? A Momentum agent who works Highpoint will answer, and the answer is published on this page for the next buyer.

Property facts only: homes, fees, rules, commute. Every community is open to everyone; agents do not answer questions about who lives here.

Frequently Asked Questions

How many homes are in Highpoint?
The Florida DOR 2025 assessment roll shows 28 homes plus 10 vacant residential lots in Highpoint (public records).
What share of Highpoint is owner-occupied?
55% of Highpoint parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Highpoint built?
Homes in Highpoint were built between 1943 and 2005, with a median year built of 1985.0 (FL DOR 2025 roll).
Who is the best real estate agent for Highpoint?
The best agent for Highpoint is one who actively works Panama City and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Highpoint.
How do I find a top Panama City real estate agent who knows Highpoint?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Highpoint and the wider Panama City area.
Can Momentum Realty connect me with an agent for Highpoint?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Highpoint purchase or sale - no call center and no pressure.
Where is Highpoint, and what county is it in?
Highpoint is in Panama City, Bay County, FL, ZIP 32404. The community's center is about 14 miles north of the center of Panama City (straight-line).
Buyers targeting a home near 2,200-plus square feet at a price around the mid-$400s who are open to a range of build years.Excellent fit
Buyers comfortable doing diligence on an older home's systems in exchange for potential value versus newer construction.Excellent fit
Owner-occupant buyers who want an established, already-settled neighborhood rather than a new-build subdivision.Excellent fit
Buyers who want a defined amenity package — pool, clubhouse, gated entry — since none are identified in current listings.Probably not
Buyers who want move-in-ready certainty without budgeting time or funds for inspection-driven repairs.Probably not
Buyers expecting a fast, low-negotiation transaction given the market's typical time to contract.Probably not

Data sources & freshness

Live listingsCPAR MLS, refreshed twice daily (last: November 12, 2026)
Housing stock & ownershipFlorida DOR assessment roll (street-list match (1 streets, ZIP 32404))
Under-contract sharesCPAR MLS records, as of 2026-11-11
Historical depthClosed-sale records back to 2026 (2 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. A Momentum agent can price yours against live local comps.

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Nearby Communities

Explore more neighborhoods near Highpoint with Momentum Realty’s local guides.

Spikes Addto Highpoint0.3 mi away · 1 for saleIndian Creek Village0.8 mi away · 47 homes, built 1977–22, 2 for saleBayhead Estates (Bay)0.9 mi awayBayhead Park1.0 mi awayDeerpoint Estates1.0 mi away · 24 homes, built 1976–21, 1 for saleLakeview Heights (Bay)1.2 mi away · 2 for saleLake Forest Estates1.3 mi awayYoungstown1.3 mi away · 1 for sale

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