Kelly Street Pines
Homes for Sale in Panama City Beach, FL
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of September 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 $430,000, 76 median days on market, with 1,412 homes for sale today. At that median and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $5,280 ($4,790 with the full homestead exemption).
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.
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.
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, 807 homes are on the market and 18% are under contract — a slower corner of Panama City Beach.
Across Bay County, 2,576 homes are active and 585 pending (18% under contract).
ZIP and county figures describe the wider market, not Kelly Street Pines specifically. Momentum Research analysis of MLS records.
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.
Kelly Street Pines Market Scorecard
Kelly Street Pines is currently a thin data market. Limited supply, a median asking price of n/a.
Typical home value in the 32413 ZIP is $470,917, about 24.3% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in Kelly Street Pines
Live MLS inventory for Kelly Street Pines. 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 Kelly Street Pines listings as of 2026-08-05, 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 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 homes for sale in Kelly Street Pines on the map →
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: August 5, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-09-08 |
| 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.
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See how Kelly Street Pines fits the bigger picture — live prices, inventory, and Momentum Scores: