Magnolia Ridge
Homes for Sale in Panama City, FL
All 268 homes for sale in Panama City, FL · median $349,900 · 413 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 November 2026, Magnolia Ridge in Panama City, FL has 6 homes for sale and 12 pending, asking from $252,490 to $325,490 (median $290,238). Over the 12 months ending 2026-11-11, 18 recorded sales closed at a median of $263,990, a median 34 days on market, sellers accepting 95% of original asking. Homes listed or recently sold were built 2026–2026 with 18 new construction; 18 of 18 report an HOA (median $38/mo); none of the 17 geocoded homes sit in a FEMA special flood hazard zone (median elevation 34 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $3,240 ($2,760 with the full homestead exemption).
Last 30 days in Magnolia Ridge: 6 new listings (median asking $290,238), 12 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.
Homes For Sale Right Now in Magnolia Ridge
Live MLS inventory for Magnolia Ridge. 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 · 0 daysTop listing
Active · 20 days
Active · 29 days
Active · 20 days
Active · 5 days
Active · 7 daysActive and pending Magnolia Ridge listings as of 2026-11-12, 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.
Magnolia Ridge is a thin market right now, with a single active listing and a snapshot built on 22 closings. That kind of low inventory means the median price of $289,140 is a useful marker, but it is describing a small, condition-driven sample rather than a broad range of comparable homes.
With median days on market sitting just over 36, homes here are not moving instantly, but they are not sitting stale either. For a seller, that points to pricing the property on its own merits rather than leaning on neighborhood-wide comps. For a buyer, it means less competition for whatever does come up, but also less selection to compare against.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Magnolia Ridge right now
🟡 Balanced market. 4.0 months of supply and 67% of the inventory already under contract put buyers and sellers on roughly even footing.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 (18 active and pending listings, 18 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 12, 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
Magnolia Ridge market snapshot (as of November 11, 2026): the median sale price is about $264K, a median 34 days on market for closed sales, and 4.0 months of supply, a balanced market.
In ZIP 32404 (Panama City), 223 homes closed in the last 12 months at a median of $275K, with a median 90 days on market. Right now 203 active and 64 pending listings put supply at about 10.9 months — a soft market. See the live ZIP 32404 housing market and the Bay County market.
CPAR sales records identify 48 homes in Magnolia Ridge that have changed hands since 2025, built between 2025 and 2026 (median 2026), with a median living area of about 1,744 sq ft and a typical 3-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.
Flood zones in Magnolia Ridge: of 9 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.
Magnolia Ridge sits in Panama City within Bay County, and the current MLS picture is defined more by scarcity than by pattern: one active listing and a modest closings sample set the tone for pricing here.
The setting & the homes.
Aerial and on-site photos of Magnolia Ridge. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Magnolia Ridge
Magnolia RidgePhotos from CPAR MLS listings in Magnolia Ridge; content deemed reliable but not guaranteed.
Who Magnolia Ridge is best for.
Best for
- A buyer with a specific property in mind who has already scoped Magnolia Ridge and is ready to move on a single opportunity
- A buyer comfortable evaluating a home largely on its own condition and merits rather than a wide set of comparables
- A seller in the community who wants to price against actual recent closings rather than guess at demand
Probably not for
- A buyer who wants several active listings to tour and compare before committing
- A buyer relying on a defined slate of community amenities as part of the decision
- A buyer who needs a fast, high-inventory turnaround timeline
Magnolia Ridge 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 Magnolia Ridge buying strategy.
If we were buying in Magnolia Ridge 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 Magnolia Ridge.
A market with one data point on the shelf
With only one home currently listed, Magnolia Ridge is not a place to draw broad conclusions from a live inventory sweep. The median price of $289,140 reflects the closings that fed this snapshot, not a spread of active options a buyer can shop today. That is worth sitting with before assuming any particular home will trade near that number.
No community amenities are identified from the current MLS listings, which is common in areas without an active HOA data feed or shared clubhouse-style asset. It does not tell you what is or is not on the ground; it tells you that buyers and agents should verify amenities directly rather than assume based on the listing sheet.
The location and the amenities are priced into every listing in Magnolia Ridge. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this thin, the work is in verification, not volume: confirming what a single active listing is actually worth against real closed comparables, and not letting a small sample set pass for a trend. That is where a broker who reads the data before writing the offer earns their fee.
Magnolia Ridge in 15 seconds.
Tools for a Magnolia Ridge 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 Magnolia Ridge sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Magnolia Ridge, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Magnolia Ridge home worth?
Get a no-obligation home value based on real comparable sales in Magnolia Ridge, 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 Magnolia Ridge
Homes in Magnolia Ridge 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. 20 on record.
- 3800 Wall Street Hs 100 · off market
- 3801 Wall Street Hs 101 · off market
- 3804 Wall Street Hs 99 · off market
- 3809 Wall Street Hs 103 · off market
- 3816 Wall Street Street Hs 96 · off market
- 3821 Alwyn Cashe Avenue 30 · off market
- 3821 Alwyn Cashe Avenue Hs 30 · off market
- 3821 Wall Street Hs 106 · off market
| Location | Panama City, Bay County, FL · ZIP 32404 |
|---|---|
| Home types (current listings and sales) | singlefamilyresidence 100% |
| Sale prices, last 12 months | $263,990 median across 18 closed sales |
| Days on market (closed sales) | 34 median |
| For sale right now | 6 active, 12 pending · median asking $290,238 · 4.0 months of supply |
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. Market figures describe homes, not residents. Cite as: Momentum Realty, “Magnolia Ridge key facts,” movewithmomentum.com/neighborhoods/magnolia-ridge, data as of November 11, 2026.
Housing distress & ownership in Magnolia Ridge, 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.
Every Home for Sale in Magnolia Ridge Right Now (18)
All 18 active and pending Magnolia Ridge listings with a detail page, newest first, refreshed twice a day from the MLS.
- 3809 Alwyn Cashe Avenue Hs 27, Panama City, Fl 32404 · $325,490 · 3 bd / 2 ba · listed Nov 10, 2026 · listed by Lennar Realty Inc
- 3873 Wall Street Hs 129, Panama City, Fl 32404 · $261,990 · 3 bd / 2 ba · listed Nov 5, 2026 · listed by Lennar Realty Inc
- 3877 Wall Street Hs 130, Panama City, Fl 32404 · $252,490 · 3 bd / 2 ba · listed Nov 3, 2026 · listed by Lennar Realty Inc
- 3817 Alwyn Cashe Avenue Hs 29, Panama City, Fl 32404 · $320,490 · 4 bd / 2 ba · listed Oct 20, 2026 · listed by Lennar Realty Inc
- 3869 Wall Street Hs 128, Panama City, Fl 32404 · $272,490 · 4 bd / 2 ba · listed Oct 20, 2026 · listed by Lennar Realty Inc
- 3861 Wall Street Hs 126, Panama City, Fl 32404 · $250,990 · 3 bd / 2 ba · pending · listed Oct 14, 2026 · listed by Lennar Realty Inc
- 3865 Wall Street Hs 127, Panama City, Fl 32404 · $260,990 · 3 bd / 2 ba · pending · listed Oct 8, 2026 · listed by Lennar Realty Inc
- 3857 Wall Street Hs 125, Panama City, Fl 32404 · $288,490 · 4 bd / 3 ba · pending · listed Sep 26, 2026 · listed by Lennar Realty Inc
- 3813 Alwyn Cashe Avenue Hs 28, Panama City, Fl 32404 · $307,985 · 3 bd / 2 ba · listed Sep 25, 2026 · listed by Lennar Realty Inc
- 3814 Alwyn Cashe Avenue Hs 23, Panama City, Fl 32404 · $307,490 · 3 bd / 2 ba · pending · listed Sep 16, 2026 · listed by Lennar Realty Inc
- 3818 Alwyn Cashe Avenue Hs 22, Panama City, Fl 32404 · $319,990 · 4 bd / 2 ba · pending · listed Sep 11, 2026 · listed by Lennar Realty Inc
- 3888 Wall Street Hs 78, Panama City, Fl 32404 · $264,990 · 4 bd / 2 ba · pending · listed Sep 3, 2026 · listed by Lennar Realty Inc
- 3896 Wall Street Hs 76, Panama City, Fl 32404 · $250,990 · 3 bd / 2 ba · pending · listed Sep 3, 2026 · listed by Lennar Realty Inc
- 3822 Alwyn Cashe Avenue Hs 21, Panama City, Fl 32404 · $302,490 · 4 bd / 2 ba · pending · listed Aug 30, 2026 · listed by Lennar Realty Inc
- 3900 Wall Street Hs 75, Panama City, Fl 32404 · $259,990 · 3 bd / 2 ba · pending · listed Aug 30, 2026 · listed by Lennar Realty Inc
- 3880 Wall Street Hs 80, Panama City, Fl 32404 · $243,340 · 3 bd / 2 ba · pending · listed Aug 27, 2026 · listed by Lennar Realty Inc
- 3830 Alwyn Cashe Avenue Hs 19, Panama City, Fl 32404 · $304,990 · 3 bd / 2 ba · pending · listed Aug 20, 2026 · listed by Lennar Realty Inc
- 3826 Alwyn Cashe Avenue Hs 20, Panama City, Fl 32404 · $287,490 · 3 bd / 2 ba · pending · listed Aug 15, 2026 · listed by Lennar Realty Inc
More Panama City home searches
- All homes for sale in Panama City, FL
- Homes for sale in Bay County, FL
- Panama City home values: what is my house worth?
- ZIP 32404 housing scorecard
- 5 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
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
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- Florida documentary stamp tax, explained
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67% of homes for sale in Magnolia Ridge 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 (2026-11-12).
What it really costs to own in Magnolia Ridge
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $450/year (about $38/month) across 20 MLS listings (most billed annually; 2026-11-12). 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. Flood: of 9 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 age | Median build year 2026 across 36 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Email me new listings in Magnolia Ridge
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 Magnolia Ridge
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Magnolia Ridge will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Magnolia Ridge?
How long do homes in Magnolia Ridge take to sell?
Is Magnolia Ridge a buyer's or seller's market right now?
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How do I find a top Panama City real estate agent who knows Magnolia Ridge?
Can Momentum Realty connect me with an agent for Magnolia Ridge?
Where is Magnolia Ridge, and what county is it in?
Is Magnolia Ridge a good place to live?
Should you buy in Magnolia Ridge?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: November 12, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending November 11, 2026 |
| Under-contract shares | CPAR MLS records, as of 2026-11-11 |
| Historical depth | Closed-sale records back to 2026 (18 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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