Highpoint
Homes for Sale in Panama City, FL
All 257 homes for sale in Panama City, FL · median $349,000 · 120 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, Highpoint in Panama City, FL has 2 homes for sale. Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $470,000, a median 50 days on market, sellers accepting 91% of original asking (+57% versus the prior year). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $5,770 ($5,290 with the full homestead exemption).
| Location | Panama City, Bay County, FL · ZIP 32401, 32404, 32438 |
|---|---|
| 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) |
| Sale prices, last 12 months | $470,000 median across 4 closed sales · +56.7% vs the prior 12 months |
| Days on market (closed sales) | 50 median |
| For sale right now | 2 active, 1 pending · median asking $465,000 |
| Owner-occupied (homestead) share | 55% |
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; 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 September 20, 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.
Highpoint right now
🟢 Still climbing. The trailing-12-month median ($470K) is up 56.7% from the prior 12 months ($300K) and up 248% since 2012. With about 5 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 (4 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 2, 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
Highpoint market snapshot (as of September 20, 2026): the median sale price is about $470K, and a median 50 days on market for closed sales. The trailing-12-month median is up 57% from the prior 12 months and up 248% since 2012, computed from record-level CPAR MLS closed sales (4 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.
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.
Highpoint is a community of 28 homes in Panama City, Bay County, built between 1943 and 2005 (median 1985.0), with a median living area of about 2,486 square feet. 55% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
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.
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.
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 ($470K) IS the median in the snapshot above, and the move from 2025 ($300K) IS the +56.7% one-year change.
Windows contain 2 to 9 sales each (4 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.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Bay County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Bay County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
24% 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 (2026-10-02).
Highpoint Market Scorecard
Highpoint is currently a balanced market., a median asking price of $465,000, and homes go under contract in about 232 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.
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.
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 2026-10-01, 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.
Every Home for Sale in Highpoint Right Now (2)
All 2 active and pending Highpoint listings with a detail page, newest first, refreshed twice a day from the MLS.
- 4806 High Point Drive, Panama City, Fl 32404 · $479,999 · 5 bd / 3 ba · listed Jul 2, 2026 · listed by ListWithFreedom.com Inc.
- 4725 Halcyon Drive, Panama City, Fl 32404 · $445,000 · 3 bd / 2 ba · listed Jul 2, 2026 · listed by Beachy Beach Real Estate
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.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Highpoint 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 4 factors (7.5). Basis: Long-Term Appreciation +248% since 2012; Recent Direction +56.7% year-over-year; Owner Commitment 55% owner-occupied; Pricing Power 91.4% sale-to-list. Refreshed with each data update.
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.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
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
Frequently Asked Questions
What is the median home price in Highpoint?
How long do homes in Highpoint take to sell?
How many homes are in Highpoint?
What share of Highpoint is owner-occupied?
When were the homes in Highpoint built?
Have Highpoint home prices gone up?
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: October 1, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32401/32404/32438)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (70 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 →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Highpoint fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Highpoint
- Home values · What homes in Highpoint actually sell for
Nearby Communities
Explore more neighborhoods near Highpoint with Momentum Realty’s local guides.