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Laketown Wharf in Panama City Beach

Laketown Wharf
Condos for Sale in Panama City Beach, FL

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All 731 homes for sale in Panama City Beach, FL · median $365,000 · 694 condos for sale in Panama City Beach · 397 homes for sale in 32407 · Bay County homes for sale

Community in Panama City Beach · Bay County · ZIP 32407
Median sale $280K
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True comps, carrying-cost math, and listings before the portals.

Live Market Pulse
15/100
Market Heat
Cooler than normal
2014 → 2026 · 83 at the 2022 peak
0 is Laketown Wharf's coldest market since 2014, 100 its hottest. Today: 15. How it's scored

Photo via CPAR MLS

Built fromLive CPAR MLS data14 years of closingsUpdated twice daily

As of October 2026, Laketown Wharf in Panama City Beach, FL has 81 homes for sale and 2 pending, asking from $199,900 to $499,000 (median $334,000). Over the 12 months ending 2026-09-20, 55 recorded sales closed at a median of $279,900, a median 101 days on market, sellers accepting 88% of original asking (-11% versus the prior year). Homes listed or recently sold were built 2007–2008; 83 of 83 report an HOA (median $1,001/mo); none of the 83 geocoded homes sit in a FEMA special flood hazard zone (median elevation 15 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $3,440 ($2,950 with the full homestead exemption).

Last 30 days in Laketown Wharf: 24 new listings (median asking $332,500), 2 under contract right now. 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.

Live · Laketown Wharf Housing Pulse CPAR MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$280K ▼
Median sold · 12 mo
down 11.1% vs the prior 12 months
-11.1% ▼
1-yr price change
n = 55 and 53 sales in the two windows
88.0%
Sale vs ask
Tempo
101days
Median DOM · closed
3 days at the 2021 low
2%
Under contract
Bay: 17% (528 of 3,043)
82 · 2
For sale · pending
live counts, refreshed twice daily
55
Sold · last 12 mo
10-yr average: about 113 a year

Homes For Sale Right Now in Laketown Wharf

Live MLS inventory for Laketown Wharf. 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 · 1 daysTop listing
$499,000
3 bd · 3 ba · built 2008
9860 S Thomas Drive 1012, Panama City, FL 32408, Panama City, 32408
Listed by Beach Time Realty, Inc
Active · 186 days
$498,000
3 bd · 3 ba · built 2008
9860 S Thomas Drive 1712, Panama City, FL 32408, Panama City, 32408
Listed by Think Real Estate
Active · 137 days
$475,000
3 bd · 2 ba · built 2008
9860 S Thomas Drive 1706, Panama City, FL 32408, Panama City, 32408
Listed by Simply South Realty
Active · 135 days
$469,900
3 bd · 3 ba · built 2008
9860 S Thomas Drive 621, Panama City, FL 32408, Panama City, 32408
Listed by Salty Marlin Realty LLC
Active · 0 days
$469,900
3 bd · 2 ba · built 2008
9860 S Thomas Drive 2124, Panama City Beach, FL 32408, Panama City Beach, 32408
Listed by Simply South Realty
Active · 540 days
$465,000
3 bd · 3 ba · built 2008
9860 S Thomas Drive 1121, Panama City, FL 32408, Panama City, 32408
Listed by Coastal Living Realty & Associates
Active · 91 days
$465,000
3 bd · 2 ba · built 2008
9860 S Thomas Drive 1006, Panama City, FL 32408, Panama City, 32408
Listed by Keller Williams Success Realty
Active · 0 days
$434,900
2 bd · 2 ba · built 2008
9860 S Thomas Drive 1406, Panama City Beach, FL 32408, Panama City Beach, 32408
Listed by Keller Williams Success Realty
Active · 83 days
$430,000
3 bd · 2 ba · built 2008
9860 S Thomas Drive 606, Panama City, FL 32408, Panama City, 32408
Listed by Serhant
Active · 220 days
$425,000
3 bd · 3 ba · built 2007
9902 S Thomas Drive 234, Panama City, FL 32408, Panama City, 32408
Listed by Foundation Real Estate Agency LLC
Active · 179 days
$414,000
2 bd · 2 ba · built 2007
9902 S Thomas Drive 130, Panama City, FL 32408, Panama City, 32408
Listed by Beachy Beach Real Estate
Active · 2 days
$410,000
2 bd · 2 ba · built 2008
9860 S Thomas Drive 1123, Panama City Beach, FL 32408, Panama City Beach, 32408
Listed by Real Broker LLC
Active · 413 days
$399,999
2 bd · 2 ba · built 2008
9860 S Thomas Drive 2127, Panama City Beach, FL 32408, Panama City Beach, 32408
Listed by Keller Williams Realty Emerald
Active · 73 days
$394,000
3 bd · 3 ba · built 2008
9860 S Thomas Drive 1612, Panama City, FL 32408, Panama City, 32408
Listed by Coldwell Banker Realty

Active and pending Laketown Wharf 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.

Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written July 28, 2026

Laketown Wharf is a condo product in Panama City Beach, and price here is driven by the individual unit far more than the address: floor level, view orientation, square footage, and how recently the interior was updated. With a median around $299,900 and no distinct amenity set surfacing in current MLS listings, buyers are underwriting the unit and the building, not a community package.

The market posture is soft and slow. Prices are down 4.8% year over year, the median unit is taking about 110 days to sell, and a heat score of 20 confirms this is a buyer-leaning market. Sellers should expect to compete on condition and price rather than wait for demand to bail them out; buyers have time to be selective and room to negotiate.

Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.

Laketown Wharf Housing Pulse · Momentum Research · as of September 20, 2026

Laketown Wharf right now

🔴 Off the recent peak. The trailing-12-month median ($280K) is down 11.1% from the prior 12 months ($315K).Momentum Research, record-level CPAR MLS closed sales, 12-month windows ending September 20. Confidence: Very High (55 and 53 sales in the two windows).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

By , Co-Founder, Momentum Realty · Updated October 20, 2026 · Live data: CPAR MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

Laketown Wharf market snapshot (as of September 20, 2026): the median sale price is about $280K, and a median 101 days on market for closed sales. The trailing-12-month median is down 11% from the prior 12 months, computed from record-level CPAR MLS closed sales (55 closings in the current window).

In ZIP 32407 (Panama City Beach), 1,458 homes closed in the last 12 months at a median of $398K ($183/sq ft), down 1.6% year over year, with a median 80 days on market. Right now 1,101 active and 151 pending listings put supply at about 6.7 months — a buyer's market. See the live ZIP 32407 housing market and the Bay County market.

CPAR sales records identify 188 homes in Laketown Wharf that have changed hands since 2013, built between 2006 and 2008 (median 2008), with a median living area of about 1,262 sq ft and a typical 2-bedroom, 2-bath layout; 98% are condominiums. Source: CPAR closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.

Flood zones in Laketown Wharf: of 36 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Panama City Beach.

This is a Gulf-side condo market where the individual unit carries the value story, and the current pace favors patient buyers over hopeful sellers.

Quick Match

Who Laketown Wharf is best for.

Best for

  • Buyers targeting a condo near the median who can wait out a slow market for the right unit
  • Value-focused buyers ready to negotiate on price and condition
  • Cash or well-qualified buyers who will read the HOA financials before committing

Probably not for

  • Buyers who need to resell within a year or two and recover their money
  • Anyone expecting quick appreciation in a market that is down year over year
  • Buyers who want a turnkey purchase without vetting association dues and assessments

Windows contain 0 to 226 sales each (55 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.

Median sale price · trailing 12 mo
$200K$300K$400K20122014201620182020202220242026
Down 11.1% year over year.
Median days on market · closed sales
05010020122014201620182020202220242026
3 days at the 2021 low; 101 now.
Sale price vs original ask · median
85%90%95%100%20122014201620182020202220242026
88.0% now.
Homes sold per 12-mo window
010020020122014201620182020202220242026
0 to 226 a year; 55 in the current window.
Market Heat · 0 coldest, 100 hottest in the record
20406080seller-leaningbuyer-leaning2014201620182020202220242026
83 at the 2022 peak, 15 in the troughs, 15 now. Same score as the hero card, full history.
How much local inventory is already under contract

2% of homes for sale in Laketown Wharf 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).

Laketown Wharf Market Scorecard

Balanced

Laketown Wharf is currently a balanced market., a median asking price of $330,000, and homes go under contract in about 112 days.

$330,000
Median list
$279,900
Median sold
112
Days on mkt
81/2/0
Active/Pend/Sold

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: CPAR MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.

Interactive Map

Laketown Wharf 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 Strategy

The Laketown Wharf buying strategy.

If we were buying in Laketown Wharf today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Laketown Wharf.

The Quick Decision
Best Buy
Buyers who want a Gulf-side condo and have the patience to shop a slow market.
Biggest Risk
Prices are declining year over year, so this is not a quick-flip market.
Sweet Spot
A well-updated unit bought below the median with clean association numbers.
Avoid If
You need to resell fast or expect near-term appreciation.
The Deep Dive

A buyer's tempo

Two numbers tell the story together: a median near $299,900 and a median 110 days on market. That combination means listings are sitting, and the ones that move are almost certainly the ones priced and presented realistically. A wide spread around that median is typical for condo stock, where a renovated higher-floor unit and a dated lower one can carry very different values.

No amenities are identified from current MLS listings, so do your own diligence on what the building and association actually offer, and on the numbers behind them. Verify HOA dues, reserves, any pending assessments, and rental rules before you write an offer. In a market moving at this pace, that homework is your leverage, not a formality.

“

The location and the amenities are priced into every listing in Laketown Wharf. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty
Why Momentum

Why work with Momentum here

A slow, buyer-leaning condo market rewards precision. We price sellers to the current tempo instead of last year's, and we walk buyers through the association documents, dues, and any assessment exposure that a headline price hides. In a market taking around 110 days to clear, we would rather tell you where a unit's real cost sits than help you chase a number.

The 15-Second Verdict

Laketown Wharf in 15 seconds.

Best forBuyers who want a Gulf-side condo and have the patience to shop a slow market.
Biggest advantageA buyer-leaning pace with room to negotiate on condition and price.
Biggest riskPrices are declining year over year, so this is not a quick-flip market.
Sweet spotA well-updated unit bought below the median with clean association numbers.
Avoid ifYou need to resell fast or expect near-term appreciation.
Run Your Numbers

Tools for a Laketown Wharf buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxBay County millage and the homestead picture.Rent vs buyThe breakeven on owning in Laketown Wharf.Save Our HomesProject your homestead tax cap over time.
The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Laketown Wharf sales matched to your home.

Selling in Laketown Wharf

Price it to the comps and condition, not an automated estimate.

If you are thinking about selling in Laketown Wharf, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.

What is your Laketown Wharf home worth?

Get a no-obligation home value based on real comparable sales in Laketown Wharf, 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 →

Real comps, not an automated estimate.

Recently off market in Laketown Wharf

Homes in Laketown Wharf 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. 24 on record.

Laketown Wharf key facts
LocationPanama City Beach, Bay County, FL · ZIP 32407, 32408, 32413
Home types (current listings and sales)condos 100%
Sale prices, last 12 months$279,900 median across 55 closed sales · -11.1% vs the prior 12 months
Days on market (closed sales)101 median
For sale right now82 active, 2 pending · median asking $330,000

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. Market figures describe homes, not residents. Cite as: Momentum Realty, “Laketown Wharf key facts,” movewithmomentum.com/neighborhoods/laketown-wharf, data as of September 20, 2026.

Housing distress & ownership in Laketown Wharf, Panama City Beach

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 177 listings
Distress share trend — 0.0% now (2026-08-12 → 2026-10-19)

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 Laketown Wharf

The newest homes for sale in Laketown Wharf right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.

Checked against the MLS Oct 20, 2026. All new listings in this market.

Every Home for Sale in Laketown Wharf Right Now (83)

All 83 active and pending Laketown Wharf listings with a detail page, newest first, refreshed twice a day from the MLS. Showing the newest 60 of 83; the carousel above and the map carry the rest.

What it really costs to own in Laketown Wharf Condos 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 taxCurrent owners' bills run a median of $3,621/yr across 150 listings here (MLS tax records, 2026-10-20).
HOA duesMedian $1,001/month across 83 MLS listings (most billed quarterly; 2026-10-20). Dues cover what the documents say they cover; ask for the budget and reserve study.
Home and flood insuranceThe 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. Flood: of 36 listing addresses checked against the FEMA flood map, 100% sit outside the high-risk zone. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes).
Roof and ageMedian build year 2008 across 166 listings. An original roof here would be about 18 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.

Estimated carrying cost at the median asking price, before the mortgage: about $1,463/month (tax $302, HOA $1,001, insurance $161). An estimate from the sources above, not a quote.

Email me new listings in Laketown Wharf Condos 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.

Equal Housing Opportunity. Every community is open to everyone; alerts are about homes, never about who lives here.

Ask an agent about Laketown Wharf Condos for Sale

Have a question about the homes, fees, rules or commute here? A Momentum agent who works Laketown Wharf Condos for Sale will answer, and the answer is published on this page for the next buyer.

Property facts only: homes, fees, rules, commute. Every community is open to everyone; agents do not answer questions about who lives here.

Frequently Asked Questions

What is the median home price in Laketown Wharf?
The median sale price in Laketown Wharf was $280K over the 12 months ending September 20, 2026 (55 closed sales, CPAR MLS).
How long do homes in Laketown Wharf take to sell?
Homes that closed in the 12 months ending September 20, 2026 took a median 101 days on market (55 sales, CPAR MLS).
Who is the best real estate agent for Laketown Wharf?
The best agent for Laketown Wharf is one who actively works Panama City Beach and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Laketown Wharf.
How do I find a top Panama City Beach real estate agent who knows Laketown Wharf?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Laketown Wharf and the wider Panama City Beach area.
Can Momentum Realty connect me with an agent for Laketown Wharf?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Laketown Wharf purchase or sale - no call center and no pressure.
Where is Laketown Wharf, and what county is it in?
Laketown Wharf is in Panama City Beach, Bay County, FL, ZIP codes 32407, 32408, 32413. The community's center is about 50 miles northwest of the center of Panama City Beach (straight-line).
Is Laketown Wharf in a flood zone?
No, for the homes we can see: all 36 homes we sampled in Laketown Wharf sit outside a FEMA Special Flood Hazard Area (Zone X), where a lender does not require flood insurance. Flood zones are drawn parcel by parcel, so check the exact address on FEMA's flood map before you close; the flood section on this page shows the community's mix.
The Verdict

Should you buy in Laketown Wharf?

An honest fit check. We will tell you when it is not your community.

Buyers targeting a condo near the median who can wait out a slow market for the right unitExcellent fit
Value-focused buyers ready to negotiate on price and conditionExcellent fit
Cash or well-qualified buyers who will read the HOA financials before committingExcellent fit
Buyers who need to resell within a year or two and recover their moneyProbably not
Anyone expecting quick appreciation in a market that is down year over yearProbably not
Buyers who want a turnkey purchase without vetting association dues and assessmentsProbably not

Data sources & freshness

Live listingsCPAR MLS, refreshed twice daily (last: October 20, 2026)
Community market statsCPAR MLS closed sales, 12-month windows ending September 20, 2026
Under-contract sharesCPAR MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2012 (1,196 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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Nearby Communities

Explore more neighborhoods near Laketown Wharf with Momentum Realty’s local guides.

Sunbird Condo0.2 mi away · median $287K, 11 sales/12 moShores Of Panama0.2 mi away · median $344K, 55 sales/12 moSun Seeker Condo0.2 mi away · 1 for saleLong Beach Towers0.3 mi away · median $559K, 9 sales/12 moA W Pledger0.3 mi away · 1 for saleTwin Palms Resort0.4 mi away · median $435K, 9 sales/12 moLong Beach0.4 mi away · 49 homes, built 1937–24, 4 for saleOcean Ritz0.4 mi away · median $852K, 5 sales/12 mo

Browse all neighborhood guides →

More on Laketown Wharf Condos for Sale in Panama City Beach

Thinking of selling in Laketown Wharf? 55 recorded closings; median 101 days on market (window ending 2026-09-20). See the Bay County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.
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