Kelly Street Pines
Homes for Sale in Panama City Beach, FL
All 785 homes for sale in Panama City Beach, FL · median $369,000 · 653 homes for sale in 32413 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, the MLS records 16 closed sales in Kelly Street Pines in Panama City Beach, FL since 2024, the most recent in August 2026. Across Panama City Beach as a whole, 18 homes closed in the last 12 months at a median of $425,000, 76 median days on market, with 1,400 homes for sale today. At that median and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $5,220 ($4,730 with the full homestead exemption).
| Location | Panama City Beach, Bay County, FL · ZIP 32413 |
|---|---|
| Homes in the community | 17 (FL DOR 2025 assessment roll) |
| Years built | 2023–2024 (median 2024) |
| Typical living area | 2,079 sq ft (median) |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 24% |
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, “Kelly Street Pines key facts,” movewithmomentum.com/neighborhoods/kelly-street-pines, data as of September 20, 2026.
Kelly Street Pines is not showing any closed sales in the current MLS window, and there are no community amenities identified from active listings either. That is not a knock on the community — it just means the data set we would normally use to talk about pricing, pace, and positioning is not there right now.
For a buyer or seller, the honest posture here is: get a direct read on what is actually listed or under contract today, because a snapshot with zero recent closings tells you the public record is quiet, not that the community itself is inactive. This is a case where you want boots on the ground rather than a market report.
Nearby homes for sale
No active listings inside Kelly Street PinesHomes for Sale in Panama City Beach, FL right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Kelly Street Pines sits in Panama City Beach, Bay County, but current MLS activity in our tracked window shows no closed sales and no listed community amenities to reference.
CPAR sales records identify 16 homes in Kelly Street Pines that have changed hands since 2023, built between 2023 and 2024 (median 2024), with a median living area of about 1,820 sq ft and a typical 3-bedroom, 2.5-bath layout; 100% are single-family homes. 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 16 qualified sales in Kelly Street Pines across 2024–2024, median $519,900 — 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.
Who Kelly Street Pines is best for.
Best for
- Buyers who want a direct, agent-verified look at current listings rather than relying on published market stats
- Buyers focused on the Panama City Beach location itself rather than a specific amenity package
- Buyers with flexible timelines who are comfortable waiting for verified information before moving forward
Probably not for
- Buyers who need recent comparable sales to set price expectations before writing an offer
- Buyers who are shopping specifically for a community with established shared amenities
- Sellers hoping to price against a clear recent-sales trend, since none is currently available
The market around Kelly Street Pines
Kelly Street Pines is too small for its own price trend, so here is the market around it.
In ZIP 32413, 785 homes are on the market and 16% are under contract — a slower corner of Panama City Beach.
Across Bay County, 2,515 homes are active and 528 pending (17% under contract).
In ZIP 32413 (Panama City Beach), 1,569 homes closed in the last 12 months at a median of $445K, down 0.1% year over year, with a median 79 days on market. Right now 1,074 active and 177 pending listings put supply at about 7.3 months — a buyer's market. See the live ZIP 32413 housing market and the Bay County market.
ZIP and county figures describe the wider market, not Kelly Street Pines specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Kelly Street Pines, Panama City Beach
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.
The Kelly Street Pines buying strategy.
If we were buying in Kelly Street Pines 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 Kelly Street Pines.
A community with no current market signal
When a community shows zero closings in the tracked window, there are usually one of a few explanations: very low inventory turnover, a small total home count, or simply a quiet stretch between sales. We do not have enough here to tell you which it is, and we would rather say that plainly than guess at a price or a pace that is not backed by data.
The same goes for amenities — none are identified from current MLS listings, which could mean the community is a straightforward residential setting without shared recreational features, or it could mean listing agents simply have not detailed them. Either way, the responsible move is to verify directly rather than assume.
The location and the amenities are priced into every listing in Kelly Street Pines. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with this little public MLS signal, the value we bring is not a market report — it is direct legwork: checking current listings, pending activity, and community details that are not showing up in the aggregated data, so you are not making a decision off a blank page.
Kelly Street Pines 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 Kelly Street Pines 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 Kelly Street Pines sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Kelly Street Pines, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Kelly Street Pines home worth?
Get a no-obligation home value based on real comparable sales in Kelly Street Pines, 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 Beach →
Recently off market in Kelly Street Pines
Homes in Kelly Street Pines 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. 1 on record.
- 21818 Kelly Pines Place · off market
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.
Frequently Asked Questions
How many homes are in Kelly Street Pines?
What share of Kelly Street Pines is owner-occupied?
When were the homes in Kelly Street Pines built?
Who is the best real estate agent for Kelly Street Pines?
How do I find a top Panama City Beach real estate agent who knows Kelly Street Pines?
Can Momentum Realty connect me with an agent for Kelly Street Pines?
Where is Kelly Street Pines, and what county is it in?
Should you buy in Kelly Street Pines?
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: September 17, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32413)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2024 (16 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 →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Kelly Street Pines fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Kelly Street Pines with Momentum Realty’s local guides.