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
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
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.
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 · 54 daysTop listing
Active · 0 days
Active · 18 days
Active · 0 days
Active · 221 daysActive 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.

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.
The setting & the homes.
Aerial and on-site photos of Highpoint. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from CPAR MLS listings in Highpoint; content deemed reliable but not guaranteed.
Who Highpoint is best for.
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.
Highpoint 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 Highpoint buying strategy.
If we were buying in Highpoint 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 Highpoint.
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.
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.
Tools for a Highpoint 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 Highpoint sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Highpoint, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
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.
See all homes for sale in Panama City →
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.
- 4925 Bollinger Road · off market
- 7927 High Point Road · off market
| Location | Panama City, Bay County, FL · ZIP 32404 |
|---|---|
| Homes in the community | 28 (FL DOR 2025 assessment roll) |
| Years built | 1943–2005 (median 1985.0) |
| Typical living area | 2,486 sq ft (median) |
| Home types (current listings and sales) | singlefamilyresidence 80%, multifamily 20% |
| For sale right now | 5 active, 0 pending · median asking $465,000 |
| Owner-occupied (homestead) share | 55% |
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.
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.
- 4929 Brock Street, Panama City, FL 32404 $469,900 · 4 bd · 3 ba · new today Courtesy of Counts Real Estate Group
- 4806 High Point Drive, Panama City, FL 32404 $465,000 · 5 bd · 3 ba · new today Courtesy of ERA Neubauer Real Estate, Inc
- 4806 High Point Drive, Panama City, FL 32404 $465,000 · 5 bd · 3 ba · listed Oct 25, 2026 Courtesy of ERA Neubauer Real Estate, Inc
- 8101 Highpoint Road, Panama City, FL 32404 $650,000 · 4 bd · 3 ba · listed Sep 19, 2026 Courtesy of Beachy Beach Real Estate
- 4725 Halcyon Drive, Panama City, FL 32404 $445,000 · 3 bd · 2 ba · listed Apr 5, 2026 Courtesy of Beachy Beach Real Estate
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.
- 4929 Brock Street, Panama City, Fl 32404 · $469,900 · 4 bd / 3 ba · listed Oct 30, 2026 · listed by Counts Real Estate Group
- 4806 High Point Drive, Panama City, Fl 32404 · $465,000 · 5 bd / 3 ba · listed Oct 14, 2026 · listed by ERA Neubauer Real Estate, Inc
- 4806 High Point Drive, Panama City, Fl 32404 · $465,000 · 5 bd / 3 ba · listed Oct 14, 2026 · listed by ERA Neubauer Real Estate, Inc
- 8101 Highpoint Road, Panama City, Fl 32404 · $650,000 · 4 bd / 3 ba · listed Sep 18, 2026 · listed by Beachy Beach Real Estate
- 4725 Halcyon Drive, Panama City, Fl 32404 · $445,000 · 3 bd / 2 ba · listed Aug 13, 2026 · listed by Beachy Beach Real Estate
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 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 tax | Current owners' bills run a median of $4,042/yr across 8 listings here (MLS tax records, 2026-11-12). |
|---|---|
| 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 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.
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.
Frequently Asked Questions
How many homes are in Highpoint?
What share of Highpoint is owner-occupied?
When were the homes in Highpoint built?
Who is the best real estate agent for Highpoint?
How do I find a top Panama City real estate agent who knows Highpoint?
Can Momentum Realty connect me with an agent for Highpoint?
Where is Highpoint, and what county is it in?
Should you buy in Highpoint?
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 (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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See how Highpoint fits the bigger picture — live prices, inventory, and Momentum Scores:
