Buying or selling? Call (904) 351-6461
Liberty in Panama City

Liberty
Homes for Sale in Panama City, FL

Buying in Panama City? Get matched with a local agent →Selling? Get your Panama City home value →or call (904) 351-6461

All 245 homes for sale in Panama City, FL · median $349,900 · 308 homes for sale in 32404 · Bay County homes for sale

Community in Panama City · Bay County · ZIP 32404
Median sale $280K
Free · No obligation
Talk to a Liberty Expert

True comps, carrying-cost math, and listings before the portals.

Photo via CPAR MLS

Built fromLive CPAR MLS data4 years of closingsFL DOR public recordsUpdated twice daily

As of October 2026, Liberty in Panama City, FL has 40 homes for sale and 17 pending, asking from $244,900 to $569,600 (median $305,950). Over the 12 months ending 2026-09-20, 232 recorded sales closed at a median of $279,900, a median 53 days on market, sellers accepting 100% of original asking (-23% versus the prior year). Homes listed or recently sold were built 2022–2026 with 43 new construction; 57 of 57 report an HOA (median $78/mo); 1 of the 56 geocoded homes sit in a FEMA special flood hazard zone (median elevation 57 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 Liberty: 24 new listings (median asking $307,400), 17 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 · Liberty 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 22.9% vs the prior 12 months
-22.9% ▼
1-yr price change
n = 232 and 141 sales in the two windows
99.6%
Sale vs ask
Tempo
54days
Median DOM · closed
18 days at the 2023 low
56%
Under contract
Bay: 17% (528 of 3,043)
28 · 35
For sale · pending
live counts, refreshed twice daily
232
Sold · last 12 mo
10-yr average: about 133 a year
Ownership and context
50%
Owner-occupied · Liberty
230 of 461 parcels homesteaded (FL DOR 2025)
50%
Non-owner-occupied · Liberty
incl. 20% trust or LLC-held · 4% out-of-state
Track record · 4 years of records
156
Recorded sales · 2024-2025
median $281K · qualified sales on the county roll (FL DOR 2025)

Homes For Sale Right Now in Liberty

Live MLS inventory for Liberty. 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 · 5 daysTop listing
$569,600
5 bd · 3 ba · built 2026
6538 Haskins Drive, Panama City, FL 32404, Panama City, 32404
Listed by DR Horton Realty of Emerald Coast, LLC
Active · 0 days
$559,900
5 bd · 3 ba · built 2026
6482 Haskins Drive, Panama City, FL 32404, Panama City, 32404
Listed by DR Horton Realty of Emerald Coast, LLC
Active · 56 days
$429,000
4 bd · 3 ba · built 2025
4962 Prater Road, Panama City, FL 32404, Panama City, 32404
Listed by Keller Williams Success Realty
Active · 0 days
$414,900
4 bd · 3 ba · built 2026
6490 Haskins Drive, Panama City, FL 32404, Panama City, 32404
Listed by DR Horton Realty of Emerald Coast, LLC
Active · 0 days
$414,900
4 bd · 3 ba · built 2025
6507 Myers Road, Panama City, FL 32404, Panama City, 32404
Listed by EXP Realty LLC
Active · 0 days
$359,900
5 bd · 3 ba · built 2026
7122 William Pitsenbarger Road, Panama City, FL 32404, Panama City, 32404
Listed by DR Horton Realty of Emerald Coast, LLC
Active · 0 days
$359,900
5 bd · 3 ba · built 2027
7110 William Pitsenbarger Road, Panama City, FL 32404, Panama City, 32404
Listed by DR Horton Realty of Emerald Coast, LLC
Active · 0 days
$344,900
4 bd · 2 ba · built 2026
7118 William Pitsenbarger Road, Panama City, FL 32404, Panama City, 32404
Listed by DR Horton Realty of Emerald Coast, LLC
Active · 0 days
$344,900
4 bd · 2 ba · built 2026
7130 William Pitsenbarger Road, Panama City, FL 32404, Panama City, 32404
Listed by DR Horton Realty of Emerald Coast, LLC
Active · 86 days
$336,000
4 bd · 3 ba · built 2024
6574 Atkins Road, Panama City, FL 32404, Panama City, 32404
Listed by Anchor Realty Florida
Active · 117 days
$335,000
4 bd · 2 ba · built 2022
4821 Conner Lane, Panama City, FL 32404, Panama City, 32404
Listed by ERA Neubauer Real Estate Inc
Active · 56 days
$329,900
3 bd · 2 ba · built 2026
7070 William Pitsenbarger Road, Panama City, FL 32404, Panama City, 32404
Listed by DR Horton Realty of Emerald Coast, LLC
Active · 25 days
$329,900
3 bd · 2 ba · built 2026
7082 William Pitsenbarger Road, Panama City, FL 32404, Panama City, 32404
Listed by DR Horton Realty of Emerald Coast, LLC
Active · 114 days
$327,000
4 bd · 3 ba · built 2024
6599 Atkins Road, Panama City, FL 32404, Panama City, 32404
Listed by Counts Real Estate Group

Active and pending Liberty 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

Liberty is a new-construction community, essentially built out between 2022 and 2024, with a median year built of 2023. That timeline dominates pricing more than any single feature — the homes are consistent in age and finish level, so the spread in what sells has more to do with lot position and floor plan than with condition or updates. The median price of $291,373 reflects that newer-build baseline, not a bargain-hunting opportunity.

The year-over-year figure is down 10.3%, and days on market sit at 50 — meaningfully slower than a tight market, meaning pricing has to be sharp from the start rather than tested upward. For a seller, that argues for pricing at or just under recent comparable closings. For a buyer, it means there is room to negotiate, particularly on homes that have sat closer to the 50-day median or beyond.

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

Liberty Housing Pulse · Momentum Research · as of September 20, 2026

Liberty right now

🔴 Off the recent peak. The trailing-12-month median ($280K) is down 22.9% from the prior 12 months ($363K).Momentum Research, record-level CPAR MLS closed sales, 12-month windows ending September 20. Confidence: Very High (232 and 141 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

Liberty market snapshot (as of September 20, 2026): the median sale price is about $280K, and a median 54 days on market for closed sales. The trailing-12-month median is down 23% from the prior 12 months, computed from record-level CPAR MLS closed sales (232 closings in the current window).

In ZIP 32404 (Panama City), 1,060 homes closed in the last 12 months at a median of $290K, down 3.3% year over year, with a median 58 days on market. Right now 391 active and 146 pending listings — a balanced market. See the live ZIP 32404 housing market and the Bay County market.

CPAR sales records identify 144 homes in Liberty that have changed hands since 2023, built between 2022 and 2027 (median 2026), with a median living area of about 1,580 sq ft and a typical 4-bedroom, 2-bath layout. 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 156 qualified sales in Liberty across 2024–2025 (133 in 2024, 23 in 2025), median $281,400 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

Flood zones in Liberty: of 34 listing addresses checked against the FEMA National Flood Hazard Layer, 97% sit outside the FEMA Special Flood Hazard Area (Zone X); 3% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Panama City.

Liberty is a recently built community in Panama City, Bay County, with homes constructed almost entirely between 2022 and 2024 — so buyers are looking at a narrow age band rather than a mix of eras and conditions.

Quick Match

Who Liberty is best for.

Best for

  • Buyers prioritizing a recently built home (2022–2024) over an older resale with more deferred maintenance risk
  • Buyers comfortable with a median price near $291,373 and willing to negotiate given current days-on-market trends
  • Investors or second-home buyers evaluating a community with a notable non-homestead share already in place

Probably not for

  • Buyers who want on-site community amenities like a pool, clubhouse, or gated access
  • Sellers expecting rapid turnover — the median 50-day timeline calls for realistic pricing, not aspirational listing
  • Buyers seeking an established, decades-old neighborhood with mature landscaping and long resale history
Interactive Map

Liberty 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 Liberty buying strategy.

If we were buying in Liberty 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 Liberty.

The Quick Decision
Best Buy
Buyers who want a newly built home without the wait of a to-be-built contract.
Biggest Risk
Year-over-year pricing is down 10.3% and homes are taking a median of 50 days to sell, so this is not a fast-moving or appreciating market right now.
Sweet Spot
Homes near the median living area of 2,054 square feet built in the 2023 window tend to represent the community's typical product.
Avoid If
You want established community amenities — none are currently identified in MLS listings for Liberty.
The Deep Dive

A new-build community still finding its resale rhythm

With 527 homes and a median living area of 2,054 square feet, Liberty reads as a mid-size community of similarly scaled houses rather than a mix of starter and estate product. The homestead share of 45.4% suggests a meaningful portion of homes are held as non-homestead property — second homes, rentals, or investment holds — which is common in newer communities still stabilizing after initial buildout and can add supply to the resale market at any given time.

220 closings in the tracked window against 527 total homes is a substantial share of the community turning over, which is typical for a community this recently built where original buyers and early resales are still working through the pipeline. No community amenities are identified from current MLS listings, so the value proposition here is the home and lot itself — construction age, floor plan, and lot placement — rather than a clubhouse, pool, or gated entry.

“

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

Jon Brooks · Founder, Momentum Realty
Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the factors that decide how a home in Liberty buys, holds, and resells. Momentum Research; not an appraisal.

5.0C · Buy Score
Recent Direction0.3/10
Owner Commitment5.0/10
Pricing Power9.7/10

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 3 factors (5.0). Basis: Recent Direction -22.9% year-over-year; Owner Commitment 50% owner-occupied; Pricing Power 99.6% sale-to-list. Refreshed with each data update.

Why Momentum

Why work with Momentum here

A community this new, with days-on-market running at 50 and prices down year-over-year, rewards careful pricing and timing on both sides of a transaction. We track which homes in Liberty are closing near median versus sitting past it, so sellers price to move and buyers know when a number has room to give.

The 15-Second Verdict

Liberty in 15 seconds.

Best forBuyers who want a newly built home without the wait of a to-be-built contract.
Biggest advantageConsistent construction age means fewer condition surprises and fewer major systems near end of life.
Biggest riskYear-over-year pricing is down 10.3% and homes are taking a median of 50 days to sell, so this is not a fast-moving or appreciating market right now.
Sweet spotHomes near the median living area of 2,054 square feet built in the 2023 window tend to represent the community's typical product.
Avoid ifYou want established community amenities — none are currently identified in MLS listings for Liberty.
Run Your Numbers

Tools for a Liberty 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 Liberty.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 Liberty sales matched to your home.

Selling in Liberty

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

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

What is your Liberty home worth?

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

Real comps, not an automated estimate.

Recently off market in Liberty

Homes in Liberty 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. 58 on record.

Liberty key facts
LocationPanama City, Bay County, FL · ZIP 32404, 32405
Homes in the community355 (FL DOR 2025 assessment roll)
Years built2022–2024 (median 2023.0)
Typical living area2,105 sq ft (median)
Home types (current listings and sales)singlefamilyresidence 100%
Sale prices, last 12 months$279,900 median across 232 closed sales · -22.9% vs the prior 12 months
Days on market (closed sales)53 median
For sale right now28 active, 35 pending · median asking $297,450
Owner-occupied (homestead) share50%

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, “Liberty key facts,” movewithmomentum.com/neighborhoods/liberty, data as of September 20, 2026.

Housing distress & ownership in Liberty, Panama City

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 72 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 Liberty

The newest homes for sale in Liberty 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 Liberty Right Now (57)

All 57 active and pending Liberty listings with a detail page, newest first, refreshed twice a day from the MLS.

Streets in this community

Street-level pages: every home on record, what sold and what is for sale on each street.

How much local inventory is already under contract

30% of homes for sale in Liberty 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).

What it really costs to own in Liberty

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 $3,236/yr across 26 listings here (MLS tax records, 2026-10-20).
HOA duesMedian $78/month across 57 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 34 listing addresses checked against the FEMA flood map, 97% sit outside the high-risk zone and 3% inside one, where flood insurance is required with a federally backed mortgage. 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 2026 across 114 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 $508/month (tax $270, HOA $78, insurance $161). An estimate from the sources above, not a quote.

Email me new listings in Liberty

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 Liberty

Have a question about the homes, fees, rules or commute here? A Momentum agent who works Liberty 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 Liberty?
The median sale price in Liberty was $280K over the 12 months ending September 20, 2026 (232 closed sales, CPAR MLS).
How long do homes in Liberty take to sell?
Homes that closed in the 12 months ending September 20, 2026 took a median 54 days on market (232 sales, CPAR MLS).
What share of Liberty is owner-occupied?
50% of Liberty parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
Who is the best real estate agent for Liberty?
The best agent for Liberty is one who actively works Panama City 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 Liberty.
How do I find a top Panama City real estate agent who knows Liberty?
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 Liberty and the wider Panama City area.
Can Momentum Realty connect me with an agent for Liberty?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Liberty purchase or sale - no call center and no pressure.
Where is Liberty, and what county is it in?
Liberty is in Panama City, Bay County, FL, ZIP codes 32404, 32405. The community's center is about 10 miles north of the center of Panama City (straight-line).
Is Liberty in a flood zone?
Partly. Of 34 homes we sampled in Liberty, 97% sit outside a FEMA Special Flood Hazard Area (Zone X) and 3% are inside one (Zone A or AE), where a lender requires 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.
Is Liberty a good place to live?
That depends on your budget, commute and what you want in a home, so here is what the data says about Liberty: the median sale price over the last 12 months was $280K (232 sales), 8% below the Panama City median of $304K; homes took a median 54 days to go under contract; the assessment roll counts 355 homes, 50% of them homesteaded (owner-occupied). The full numbers, price history and the flood and school sections are above.
The Verdict

Should you buy in Liberty?

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

Buyers prioritizing a recently built home (2022–2024) over an older resale with more deferred maintenance riskExcellent fit
Buyers comfortable with a median price near $291,373 and willing to negotiate given current days-on-market trendsExcellent fit
Investors or second-home buyers evaluating a community with a notable non-homestead share already in placeExcellent fit
Buyers who want on-site community amenities like a pool, clubhouse, or gated accessProbably not
Sellers expecting rapid turnover — the median 50-day timeline calls for realistic pricing, not aspirational listingProbably not
Buyers seeking an established, decades-old neighborhood with mature landscaping and long resale historyProbably 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
Housing stock & ownershipFlorida DOR assessment roll (street-list match (8 streets, ZIP 32404/32405))
Under-contract sharesCPAR MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2022 (664 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.

By submitting, you agree that EAB RE INVESTMENTS LLC (Momentum Realty) and its agents may call, email, and text you about your inquiry, which may involve automated means and prerecorded or artificial voices. You do not need to consent as a condition of buying any property, goods, or services. To opt out, reply STOP at any time or reply HELP for assistance. You can also click the unsubscribe link in emails. Message and data rates may apply. Message frequency may vary. See our Privacy Policy and SMS Terms.or call (904) 351-6461
CallFree valuation →

Nearby Communities

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

Parkbrook0.5 mi away · median $303K, 22 sales/12 moRolling Hills (Bay)0.8 mi away · 1 for saleTimberwood (Bay)0.9 mi away · median $280K, 3 sales/12 moMars Hill1.1 mi away · 52 homes, built 2021–22, 1 for saleTidewater Estates1.2 mi awayBarrett S Park1.3 mi away · median $296K, 8 sales/12 moSweetwater Village S1.4 mi away · median $140K, 4 sales/12 moOlde Towne Village1.4 mi away · median $290K, 9 sales/12 mo

Browse all neighborhood guides →

More on Liberty

Thinking of selling in Liberty? 232 recorded closings; median 53 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.
Talk to a Local Liberty Expert
Call Get Listings