Hiland Hills
Homes for Sale in Panama City, FL
All 245 homes for sale in Panama City, FL · median $349,900 · 308 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 October 2026, Hiland Hills in Panama City, FL has 2 homes for sale. As of October 2026, the MLS records 15 closed sales in Hiland Hills in Panama City, FL since 2013, the most recent in May 2026.
Hiland Hills, in Panama City's Bay County market, is currently a thin-data community — our snapshot shows only two closings in the tracked window, which is too small a sample to draw firm conclusions about pricing trends or pace. What that tells a buyer or seller is simple: this is not a high-volume, high-visibility subdivision right now, and any pricing conversation here has to be built home-by-home rather than off a community-wide curve.
With so little recent transaction volume, posture matters more than timing. A seller here should expect a more individualized marketing push since there is not a steady stream of comparable closings to lean on. A buyer should expect to negotiate off the specific condition and features of the home in front of them, not off a assumed community average.
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
Hiland Hills sits within Panama City in Bay County, and current MLS activity shows limited closed sales, so the community is best approached as a case-by-case market rather than one with an established, high-volume trend line.
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.
Who Hiland Hills is best for.
Best for
- A buyer prioritizing a specific home's condition and price over a documented neighborhood trend
- A seller prepared for individualized marketing rather than a high-volume comp set
- A buyer or seller willing to verify amenities and features directly rather than relying on a community-wide listing
Probably not for
- A buyer who wants a well-established, high-volume sales history to lean on
- A buyer relying on a published amenities package as part of the decision
- A seller expecting a large pool of recent comparable closings to support pricing strategy
The market around Hiland Hills
Hiland Hills is too small for its own price trend, so here is the market around it.
In ZIP 32404, 428 homes are on the market and 30% are under contract — a fast-moving corner of Panama City.
Across Bay County, 2,515 homes are active and 528 pending (17% under contract).
In ZIP 32404 (Panama City), 1,060 homes closed in the last 12 months at a median of $290K, down 3.3% year over year, with a median 58 days on market. Right now 391 active and 146 pending listings — a balanced market. See the live ZIP 32404 housing market and the Bay County market.
ZIP and county figures describe the wider market, not Hiland Hills specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Hiland Hills
Live MLS inventory for Hiland Hills. 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 Hiland Hills 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.
The Hiland Hills buying strategy.
If we were buying in Hiland Hills 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 Hiland Hills.
A market with few data points
Two closings in the current window is not enough to establish a reliable median price, days-on-market pattern, or list-to-sale ratio for Hiland Hills. That is a meaningful fact in itself: it means pricing here should be anchored to the individual home's condition, lot, and recent comparable activity in the broader Panama City market rather than to a Hiland Hills-specific trend, because that trend does not yet exist in the data.
Current MLS listings for the community also do not identify specific community amenities. That does not necessarily mean none exist — it means the listing data available to us right now does not surface them, so any amenity claims should come from direct verification of a specific property rather than a general community assumption.
The location and the amenities are priced into every listing in Hiland Hills. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a low-data pocket like Hiland Hills, the value of a broker is in doing the extra legwork the MLS snapshot cannot do on its own — pulling wider Panama City comparables, verifying home-specific condition and features directly, and pricing or negotiating off real evidence instead of a thin community average. That is the work we do before a number ever goes on a listing or into an offer.
Hiland Hills in 15 seconds.
What it really costs to own in Hiland Hills
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 $1,467/yr across 4 listings here (MLS tax records, 2026-10-20). |
|---|---|
| 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 2001 across 4 listings. An original roof here would be about 25 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 Hiland Hills
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 Hiland Hills
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Hiland Hills will answer, and the answer is published on this page for the next buyer.
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 Hiland Hills 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 Hiland Hills sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Hiland Hills, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Hiland Hills home worth?
Get a no-obligation home value based on real comparable sales in Hiland Hills, 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 →
| Location | Panama City, Bay County, FL · ZIP 32404, 32405 |
|---|---|
| Homes in the community | 17 (FL DOR 2025 assessment roll) |
| Years built | 1979–1999 (median 1985) |
| Typical living area | 2,680 sq ft (median) |
| For sale right now | 2 active, 0 pending · median asking $404,500 |
| Owner-occupied (homestead) share | 88% |
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, “Hiland Hills key facts,” movewithmomentum.com/neighborhoods/hiland-hills, data as of September 20, 2026.
Housing distress & ownership in Hiland Hills, 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 Hiland Hills
The newest homes for sale in Hiland Hills right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 351 Hiland Drive, Panama City, FL 32404 $425,000 · 3 bd · 3 ba · 32 days on market Courtesy of Beachy Beach Real Estate
- 4108 Transmitter Road, Panama City, FL 32404 $369,000 · 3 bd · 3 ba · 237 days on market Courtesy of Anchor Realty Florida
Checked against the MLS Oct 20, 2026. All new listings in this market.
Every Home for Sale in Hiland Hills Right Now (2)
All 2 active and pending Hiland Hills listings with a detail page, newest first, refreshed twice a day from the MLS.
- 351 Hiland Drive, Panama City, Fl 32404 · $425,000 · 3 bd / 3 ba · listed Sep 6, 2026 · listed by Beachy Beach Real Estate
- 4108 Transmitter Road, Panama City, Fl 32404 · $369,000 · 3 bd / 3 ba · listed Jul 22, 2026 · listed by Anchor Realty Florida
More Panama City home searches
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- Panama City home values: what is my house worth?
- ZIP 32404 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
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23% 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 (2026-10-20).
Recent Developments in Hiland Hills
Development, infrastructure, retail, and school activity affecting Hiland Hills, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- October 2026Development
Tyndall Air Force Base rebuild continues with about 140 new facilities
WJHG reports Tyndall AFB is rebuilding with roughly 140 new hurricane-resistant facilities after Hurricane Michael in 2018, and now hosts F-35 squadrons. Most current projects are expected to finish by 2027, while other buildings await congressional funding and the work has faced labor and budget constraints.
What it may mean for the marketContinued base construction and F-35 operations sustain military and contractor employment and construction activity in the eastern Bay County area. The site is about 7 miles southeast of Hiland Hills.
Source: WJHG - September 2026Retail & Dining
Panama City meets Houston developer interested in part of Panama City Mall site
Panama City officials met a Houston developer interested in buying a portion of the largely vacant Panama City Mall, owned by Hendon Properties, with a retail focus. Discussions covered rezoning, possible CRA participation and plan submittal. The mayor called the FDOT US 231 widening, planned to six lanes from US 98 to SR 20, the biggest holdup.
What it may mean for the marketPossible retail redevelopment of a large vacant site could add shopping options near the US 231 corridor, with timing tied to road widening and rezoning. The site is about 3 miles northwest of Hiland Hills.
Source: WJHG - August 2026Development
Deal reached to redevelop historic Panama City Grammar School into apartments and townhomes
Panama City reached a deal for developer Zachary Seymour to buy the 1914 Panama City Grammar School on East Seventh Street and convert it to apartments and townhomes. The city would waive about $375,000 in code fines and a $100,000 CRA grant is pending approval. Seymour has one year to finish structural repairs to roofs, windows and doors.
What it may mean for the marketReuse of a vacant historic building would add downtown-area residential units and remove a long-standing vacant property. The site is about 2 miles west of Hiland Hills.
Source: WJHG - August 2026Infrastructure
HCA Florida Gulf Coast Hospital announces $125 million expansion
HCA Florida Gulf Coast Hospital announced a $125 million expansion on its 23rd Street campus, including a new patient tower with 34 additional beds, a 16-bed orthopedic and spine unit, a fourth cath lab, an expanded women's center and a 5,000-square-foot outpatient entrance expansion. The project is in design, with construction of 24 to 36 months and completion targeted for 2029.
What it may mean for the marketAdded hospital capacity and specialty services would improve local healthcare access and add medical-sector employment along the 23rd Street corridor. The site is about 3 miles northwest of Hiland Hills.
Source: WJHG - August 2026Infrastructure
Bay County approves $13.5 million water treatment plant expansion
Bay County commissioners approved a $13.5 million contract with NCMC Construction to add three large sand filters (30 by 50 feet each) to the county water treatment plant, which now runs 11 filters. Construction is expected to start soon and take about a year, and officials say water bills should not rise because of it.
What it may mean for the marketAdded filtration and backup capacity supports water service reliability for a county where demand has more than doubled in 15 years. The site is about 7 miles north of Hiland Hills.
Source: WJHG - July 2026Civic
Panama City approves 12-month moratorium on AI data centers
Panama City commissioners unanimously approved a 12-month pause on AI data centers in certain areas, following a six-month restriction adopted by Bay County the prior week. The city said it will use the period to study data center operations and revisit how they fit into local zoning and land-use rules.
What it may mean for the marketA temporary pause shapes where data centers can locate while the city reviews zoning and land-use standards. The site is about 2 miles west of Hiland Hills.
Source: WJHG News Channel 7
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Frequently Asked Questions
How many homes are in Hiland Hills?
What share of Hiland Hills is owner-occupied?
When were the homes in Hiland Hills built?
Who is the best real estate agent for Hiland Hills?
How do I find a top Panama City real estate agent who knows Hiland Hills?
Can Momentum Realty connect me with an agent for Hiland Hills?
Where is Hiland Hills, and what county is it in?
Should you buy in Hiland Hills?
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) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32404/32405)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2013 (15 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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