Laguna Beach
Homes for Sale in Panama City Beach, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via cpar
Laguna Beach's price story is a condition and vintage story: a median year built of 1985 across a range that runs from 1925 to 2024 means buyers are choosing between older coastal construction and recent rebuilds, and that spread is what drives the wide variation in price per square foot. With a median living area of about 1,451 square feet, this is a community of modest footprints rather than large-format homes, so upgrades and lot position do more to separate one listing from another than size does.
A median list-to-sale window of 54 days and a market heat score of 51 point to a market that is neither rushed nor stalled — offers get made, but sellers who price against condition rather than against the neighborhood average tend to sit longer. With 39 closings in the current window against a base of 2,238 homes, there's enough transaction volume to read the market clearly, and buyers have room to negotiate on homes that need work.
Laguna Beach right now
🟢 Still climbing. The trailing-12-month median ($585K) is up 11.4% from the prior 12 months ($525K) and up 551% since 2012. With about 30 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 closed sales, 12-month windows ending July 28. Confidence: High (39 and 28 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 28, 2026 · Live data: cpar, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Laguna Beach market snapshot (as of July 28, 2026): the median sale price is about $585K, and a median 54 days on market for closed sales. The trailing-12-month median is up 11% from the prior 12 months and up 551% since 2012, computed from record-level cpar closed sales (39 closings in the current window).
Laguna Beach is a community of 2,238 homes in Panama City Beach, Bay County, built between 1925 and 2024 (median 1985), with a median living area of about 1,452 square feet. 18% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Laguna Beach is a long-established Panama City Beach community where building vintage varies more than typical, and that mix — rather than any single amenity package — is what buyers are actually pricing when they shop here.
The setting & the homes.
Aerial and on-site photos of Laguna Beach. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Laguna BeachPhotos from cpar listings in Laguna Beach; content deemed reliable but not guaranteed.
Who Laguna Beach is best for.
Best for
- Buyers who want a coastal Panama City Beach location and are willing to weigh each home's age and condition individually
- Buyers comfortable with a median price near $585,000 who are prepared to negotiate on homes needing updates
- Buyers who prioritize location over a built-in amenity package
Probably not for
- Buyers who want a single consistent construction vintage across the community
- Buyers expecting an HOA-run amenity set as part of the purchase
- Buyers who need a fast, high-heat market with minimal negotiating room
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 28 of each year, from record-level cpar closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($585K) IS the median in the snapshot above, and the move from 2025 ($525K) IS the +11.4% one-year change.
Windows contain 15 to 39 sales each (39 in the current window); every figure carries its sample size. 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.
4% of homes for sale in Laguna Beach 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 (2026-08-18).
Laguna Beach Market Scorecard
Laguna Beach is currently a balanced market., and homes go under contract in about 98 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: cpar, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Laguna Beach, 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. Based on Stellar MLS data distributed by MLS GRID for the period August 2026 through August 2026. Deemed reliable but not guaranteed.
Homes For Sale Right Now in Laguna Beach
Live MLS inventory for Laguna Beach. 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 Laguna Beach listings as of 2026-08-18, 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.
Laguna Beach 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. Map data © OpenStreetMap, tiles © CARTO.
The Laguna Beach buying strategy.
If we were buying in Laguna Beach 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 Laguna Beach.
Vintage, Condition, and What's Actually Driving Value
The homestead share here sits at roughly 18.5%, a figure worth noting for anyone trying to gauge how much of the inventory turns over as owner-occupied versus other use. Combined with a median price of $585,000 and a year-over-year change of 11.4%, this reads as a community where recent demand has been outpacing what the broader long-term trend — up 551% since 2012 — would suggest is a stable baseline, meaning current pricing reflects more recent momentum than a fresh plateau.
No community amenities are identified from current MLS listings, which means value here is being set almost entirely by the home itself: lot, condition, vintage, and proximity, not a shared clubhouse or gate. Buyers should treat every listing as its own case rather than assuming a shared amenity package is baked into the price.
The location and the amenities are priced into every listing in Laguna Beach. 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 Laguna Beach 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 (6.4). Basis: Long-Term Appreciation +551% since 2012; Recent Direction +11.4% year-over-year; Owner Commitment 18% owner-occupied; Pricing Power 92.2% sale-to-list. Refreshed with each data update.
Why work with Momentum here
With a market this dependent on individual home condition and vintage rather than a shared amenity set, pricing a listing or vetting an offer requires comparing like against like — 1920s construction against 1920s construction, not against a 2020s rebuild three doors down. We track those distinctions closing by closing so you're not guessing at what a specific home is actually worth in this market.
Laguna Beach in 15 seconds.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- 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 Laguna Beach 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 Laguna Beach sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Laguna Beach, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Laguna Beach home worth?
Get a no-obligation home value based on real comparable sales in Laguna Beach, 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 Laguna Beach on the map →
Frequently Asked Questions
What is the median home price in Laguna Beach?
How long do homes in Laguna Beach take to sell?
How many homes are in Laguna Beach?
What share of Laguna Beach is owner-occupied?
When were the homes in Laguna Beach built?
Do cash buyers compete in Laguna Beach?
Have Laguna Beach home prices gone up?
Who is the best real estate agent for Laguna Beach?
How do I find a top Panama City Beach real estate agent who knows Laguna Beach?
Can Momentum Realty connect me with an agent for Laguna Beach?
Should you buy in Laguna Beach?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Laguna Beach with Momentum Realty’s local guides.
Data sources & freshness
| Community market stats | cpar closed sales, 12-month windows ending July 28, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (38 streets, ZIP 32013/32407/32413)) |
| Historical depth | Closed-sale records back to 2012 (412 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 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 member average and 8 days faster, and we’ll price yours against live your area comps.
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See how Laguna Beach fits the bigger picture — live prices, inventory, and Momentum Scores: