Laird Point
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, Laird Point in Panama City, FL has 3 homes for sale. 3 of 3 report an HOA (median $33/mo); 1 of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 6 ft).
Last 30 days in Laird Point: 1 new listing (median asking $499,000). As of October 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.
Homes For Sale Right Now in Laird Point
Live MLS inventory for Laird Point. 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 Laird Point listings as of 2026-10-19, 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 setting & the homes.
Aerial and on-site photos of Laird Point. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Laird Point
Laird Point
Laird PointPhotos from CPAR MLS listings in Laird Point; content deemed reliable but not guaranteed.
The market around Laird Point
Laird Point 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).
ZIP and county figures describe the wider market, not Laird Point specifically. Momentum Research analysis of MLS records.
Laird Point 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 MLS. Map data © OpenStreetMap contributors.
The Laird Point buying strategy.
If we were buying in Laird Point 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 Laird Point.
A closer look at the Laird Point market
The housing stock is 24 homes built between 2013 and 2023, and 19% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Laird Point. The deal is won or lost on condition, the comps, and the renovation math.
What it really costs to own in Laird PointHomes for Sale
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 $4,359/yr across 6 listings here (MLS tax records, 2026-10-20). |
|---|---|
| HOA dues | Median $400/year (about $33/month) across 3 MLS listings (most billed annually; 2026-10-20). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| 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 2019 across 6 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Estimated carrying cost at the median asking price, before the mortgage: about $557/month (tax $363, HOA $33, insurance $161). An estimate from the sources above, not a quote.
Email me new listings in Laird PointHomes for Sale
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 Laird PointHomes for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Laird PointHomes for Sale will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $400/year (about $33/month) · median of 3 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $400 a year ($33 a month) — the median AssociationFee across 3 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
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 Laird Point 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 Laird Point sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Laird Point, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Laird Point home worth?
Get a no-obligation home value based on real comparable sales in Laird Point, 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 Laird Point
Homes in Laird Point 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.
- 804 Buoy Court · off market
| Location | Panama City, Bay County, FL · ZIP 32404 |
|---|---|
| Homes in the community | 24 (FL DOR 2025 assessment roll) |
| Years built | 2013–2023 (median 2015) |
| Typical living area | 2,760 sq ft (median) |
| For sale right now | 3 active, 0 pending · median asking $474,900 |
| Owner-occupied (homestead) share | 19% |
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, “Laird Point key facts,” movewithmomentum.com/neighborhoods/laird-point, data as of September 20, 2026.
Housing distress & ownership in Laird Point, 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 Laird Point
The newest homes for sale in Laird Point right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 1004 Tidewater Lane, Panama City, FL 32404 $499,000 · 4 bd · 4 ba · new today Courtesy of Northwest Florida Realty, LLC
- 926 Tidewater Lane, Panama City, FL 32404 $419,000 · 4 bd · 3 ba · 33 days on market Courtesy of Northwest Florida Realty, LLC
- 1020 Tidewater Lane, Panama City, FL 32404 $474,900 · 4 bd · 4 ba · 64 days on market Courtesy of Keller Williams Success Realty
Checked against the MLS Oct 20, 2026. All new listings in this market.
Every Home for Sale in Laird Point Right Now (3)
All 3 active and pending Laird Point listings with a detail page, newest first, refreshed twice a day from the MLS.
- 1004 Tidewater Lane, Panama City, Fl 32404 · $499,000 · 4 bd / 4 ba · listed Sep 12, 2026 · listed by Northwest Florida Realty, LLC
- 926 Tidewater Lane, Panama City, Fl 32404 · $419,000 · 4 bd / 3 ba · listed Sep 12, 2026 · listed by Northwest Florida Realty, LLC
- 1020 Tidewater Lane, Panama City, Fl 32404 · $474,900 · 4 bd / 4 ba · listed Aug 19, 2026 · listed by Keller Williams Success Realty
More Panama City home searches
- All homes for sale in Panama City, FL
- Homes for sale in Bay County, FL
- Homes under $300K in Panama City
- Homes from $300K to $500K in Panama City
- 4-bedroom homes for sale in Panama City
- 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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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.
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).
Frequently Asked Questions
How many homes are in Laird Point?
What share of Laird Point is owner-occupied?
When were the homes in Laird Point built?
Who is the best real estate agent for Laird Point?
How do I find a top Panama City real estate agent who knows Laird Point?
Can Momentum Realty connect me with an agent for Laird Point?
Where is Laird Point, and what county is it in?
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: October 19, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32404)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2014 (38 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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