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Liberty in Panama City

Liberty
Homes for Sale in Panama City, FL

Community in Panama City · Bay County · ZIP 32404
274 homesBuilt 2022–2024Median sale $265K
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Photo via CPAR MLS

Built fromLive CPAR MLS dataFL DOR public recordsUpdated twice daily

As of November 2026, Liberty in Panama City, FL has 45 homes for sale and 17 pending, asking from $248,900 to $559,900 (median $314,900). Over the 12 months ending 2026-11-11, 76 recorded sales closed at a median of $264,900, a median 108 days on market, sellers accepting 94% of original asking. Homes listed or recently sold were built 2022–2026 with 39 new construction; 62 of 62 report an HOA (median $78/mo); 1 of the 62 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 $3,250 ($2,770 with the full homestead exemption).

Liberty key facts
LocationPanama City, Bay County, FL · ZIP 32404
Homes in the community274 (FL DOR 2025 assessment roll)
Years built2022–2024 (median 2024)
Typical living area1,919 sq ft (median)
Home types (current listings and sales)singlefamilyresidence 100%
Sale prices, last 12 months$264,900 median across 76 closed sales
Days on market (closed sales)108 median
For sale right now45 active, 17 pending · median asking $314,900 · 7.1 months of supply
Owner-occupied (homestead) share50%

Data as of November 11, 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 November 11, 2026.

Last 30 days in Liberty: 25 new listings (median asking $329,900), 17 under contract right now. As of November 11, 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
$265K
Median sold · 12 mo
94.3%
Sale vs ask
Bay median: 94.2%
Tempo
7.1mo
Supply
3 to 6 months is the balanced band
108days
Median DOM · closed
108 days at the 2026 low
27%
Under contract
Bay: 15% (434 of 2,840)
45 · 17
For sale · pending
live counts, refreshed twice daily
76
Sold · last 12 mo
10-yr average: about 76 a year
Ownership and context
50%
Owner-occupied · Liberty
171 of 343 parcels homesteaded (FL DOR 2025)
50%
Non-owner-occupied · Liberty
incl. 16% trust or LLC-held · 3% out-of-state
274
Homes in the community
plus 69 vacant residential lots · 343 residential parcels (FL DOR 2025)
Track record · 0 years of records
158
Recorded sales · 2024-2025
median $280K · qualified sales on the county roll (FL DOR 2025)
2022–2024
Years homes were built
median 2024 · county roll (FL DOR 2025)
27.7%/yr
Turnover rate
about 76 of 274 homes trade a year

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.

6482 Haskins Drive, Panama City, FL 32404 home for sale in LibertyActive · 0 daysTop listing
$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
6538 Haskins Drive, Panama City, FL 32404 home for sale in LibertyActive · 36 days
$509,900
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
4962 Prater Road, Panama City, FL 32404 home for sale in LibertyActive · 81 days
$419,000
4 bd · 3 ba · built 2025
4962 Prater Road, Panama City, FL 32404, Panama City, 32404
Listed by Keller Williams Success Realty
6507 Myers Road, Panama City, FL 32404 home for sale in LibertyActive · 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
6575 Lazar Lane, Panama City, FL 32404 home for sale in LibertyActive · 0 days
$409,900
5 bd · 3 ba · built 2026
6575 Lazar Lane, Panama City, FL 32404, Panama City, 32404
Listed by DR Horton Realty of Emerald Coast, LLC
6490 Haskins Drive, Panama City, FL 32404 home for sale in LibertyActive · 27 days
$394,900
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
6485 Haskins Drive, Panama City, FL 32404 home for sale in LibertyActive · 0 days
$394,900
4 bd · 3 ba · built 2027
6485 Haskins Drive, Panama City, FL 32404, Panama City, 32404
Listed by DR Horton Realty of Emerald Coast, LLC
7122 William Pitsenbarger Road, Panama City, FL 32404 home for sale in LibertyActive · 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
7110 William Pitsenbarger Road, Panama City, FL 32404 home for sale in LibertyActive · 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
7134 William Pitsenbarger Road, Panama City, FL 32404 home for sale in LibertyActive · 0 days
$359,900
5 bd · 3 ba · built 2027
7134 William Pitsenbarger Road, Panama City, FL 32404, Panama City, 32404
Listed by DR Horton Realty of Emerald Coast, LLC
7146 William Pitsenbarger Road, Panama City, FL 32404 home for sale in LibertyActive · 0 days
$359,900
5 bd · 3 ba · built 2027
7146 William Pitsenbarger Road, Panama City, FL 32404, Panama City, 32404
Listed by DR Horton Realty of Emerald Coast, LLC
6962 William Pitsenbarger Road, Panama City, FL 32404 home for sale in LibertyActive · 18 days
$359,500
5 bd · 3 ba · built 2025
6962 William Pitsenbarger Road, Panama City, FL 32404, Panama City, 32404
Listed by Think Real Estate
7130 William Pitsenbarger Road, Panama City, FL 32404 home for sale in LibertyActive · 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
4821 Conner Lane, Panama City, FL 32404 home for sale in LibertyActive · 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 and pending Liberty listings as of 2026-11-11, 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.

Every Home for Sale in Liberty Right Now (62)

All 62 active and pending Liberty listings with a detail page, newest first, refreshed twice a day from the MLS. Showing the newest 60 of 62; the carousel above and the map carry the rest.

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 November 11, 2026

Liberty right now

🟢 Buyer-leaning market. 7.1 months of supply and 27% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of CPAR MLS records, as of November 11, 2026. Confidence: Very High (62 active and pending listings, 76 closed sales in 12 months).

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

By , Co-Founder, Momentum Realty · Updated November 11, 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 November 11, 2026): the median sale price is about $265K, a median 108 days on market for closed sales, and 7.1 months of supply, a buyer-leaning market.

Liberty is a community of 274 homes in Panama City, Bay County, built between 2022 and 2024 (median 2024), with a median living area of about 1,919 square feet. 50% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

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

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 83 listings
Distress share trend — 0.0% now (2026-08-12 → 2026-11-11)

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.

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

Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.

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.

4.7C- · Buy Score
Liquidity & Demand2.9/10
Owner Commitment5.0/10
Pricing Power6.2/10

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 (4.7). Basis: Liquidity & Demand 7.1 months of supply; Owner Commitment 50% owner-occupied; Pricing Power 94.3% 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. 67 on record.

Frequently Asked Questions

What is the median home price in Liberty?
The median sale price in Liberty was $265K over the 12 months ending November 11, 2026 (76 closed sales, CPAR MLS).
How long do homes in Liberty take to sell?
Homes that closed in the 12 months ending November 11, 2026 took a median 108 days on market (76 sales, CPAR MLS).
Is Liberty a buyer's or seller's market right now?
As of November 11, 2026, Liberty leans toward buyers: 7.1 months of supply at the current sales pace (CPAR MLS live counts).
How many homes are in Liberty?
The Florida DOR 2025 assessment roll shows 274 homes plus 69 vacant residential lots in Liberty (public records).
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.
When were the homes in Liberty built?
Homes in Liberty were built between 2022 and 2024, with a median year built of 2024 (FL DOR 2025 roll).
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.
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

Nearby Communities

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

Parkbrook0.4 mi away · median $303K, 22 sales/12 moRolling Hills (Bay)0.7 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 Park1.4 mi away · median $296K, 8 sales/12 moSweetwater Village S1.4 mi away · median $140K, 4 sales/12 moOlde Towne Village1.5 mi away · median $290K, 9 sales/12 mo

Browse all neighborhood guides →

Data sources & freshness

Live listingsCPAR MLS, refreshed twice daily (last: November 11, 2026)
Community market statsCPAR MLS closed sales, 12-month windows ending November 11, 2026
Housing stock & ownershipFlorida DOR assessment roll (street-list match (6 streets, ZIP 32404))
Under-contract sharesCPAR MLS records, as of 2026-11-11
Historical depthClosed-sale records back to 2026 (76 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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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. A Momentum agent can price yours against live local comps.

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