Moondrifter
Condos for Sale in Panama City Beach, FL

All 785 homes for sale in Panama City Beach, FL · median $369,000 · 745 condos for sale in Panama City Beach · 396 homes for sale in 32407 · Bay County homes for sale

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

Photo via CPAR MLS

Built fromLive CPAR MLS data14 years of closingsUpdated twice daily

As of October 2026, Moondrifter in Panama City Beach, FL has 4 homes for sale and 1 pending, asking from $340,000 to $455,000 (median $400,000). Homes listed or recently sold were built 1981–1982; 5 of 5 report an HOA (median $970/mo); 2 of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 6 ft).

Last 30 days in Moondrifter: 2 new listings (median asking $440,000), 1 under contract right now. As of October 2, 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 · Moondrifter Housing Pulse CPAR MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
0%
Under contract
Bay: 17% (528 of 3,043)
5 · 0
For sale · pending
live counts, refreshed twice daily
2
Sold · last 12 mo
10-yr average: about 4 a year

Homes For Sale Right Now in Moondrifter

Live MLS inventory for Moondrifter. 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 Moondrifter listings as of 2026-10-01, 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 Moondrifter Right Now (5)

All 5 active and pending Moondrifter listings with a detail page, newest first, refreshed twice a day from the MLS.

Jon Brooks, founder of Momentum Realty
Jon's Current Read

Moondrifter shows up in the Bay County MLS feed with no community amenities documented and a closings window too thin to draw a reliable price trend from. That is itself the read: this is a small, quiet corner of the Panama City Beach market where pricing has to be built listing-by-listing rather than pulled from a community average.

For a buyer or seller here, the posture should be conservative and comparison-driven. Without a documented amenity package or a deep run of recent sales to lean on, value gets set by the individual home's condition, lot, and proximity to the beach corridor — not by a brand-name community feature set.

The 60-Second Overview

Moondrifter sits within Panama City Beach in Bay County, but current MLS data does not surface any listed community amenities, and the recent closings sample is limited enough that broad pricing conclusions are not supportable from the feed alone.

CPAR sales records identify 6 homes in Moondrifter that have changed hands since 2025, built between 1981 and 1982 (median 1982), with a median living area of about 1,048 sq ft and a typical 2-bedroom, 2-bath layout; 100% 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.

Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.

Best for

  • A buyer targeting a specific home or lot in this part of Panama City Beach rather than a set of shared amenities.
  • Someone comfortable pricing a purchase off individual-property comps rather than a community-wide sales trend.
  • A buyer working with a broker willing to verify on-the-ground details that the MLS feed does not capture.

Probably not for

  • A buyer who wants a pool, clubhouse, or other shared recreation as part of the purchase decision.
  • Someone who wants to see a deep, recent sales history before committing to a price range.
  • A buyer uncomfortable making an offer without a large comparable-sales data set to reference.

The market around Moondrifter

Moondrifter is too small for its own price trend, so here is the market around it.

In ZIP 32407, 488 homes are on the market and 14% are under contract — a slower corner of Panama City Beach.

Across Bay County, 2,515 homes are active and 528 pending (17% under contract).

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.

ZIP and county figures describe the wider market, not Moondrifter specifically. Momentum Research analysis of MLS records.

Housing distress & ownership in Moondrifter, 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 61 listings
Distress share trend — 0.0% now (2026-08-12 → 2026-09-28)

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.

Listing locations from CPAR MLS. Map data © OpenStreetMap, tiles © CARTO.

If we were buying in Moondrifter 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 Moondrifter.

Best Buy
Buyers focused on a specific property or lot in Panama City Beach rather than a packaged amenity lifestyle.
Biggest Risk
Limited sales data means pricing has to be built from scratch on each transaction, not read off a trend line.
Sweet Spot
A buyer or seller willing to do a property-level comparison rather than lean on community averages.
Avoid If
You are shopping specifically for a community with an established, documented amenity package.

A thin-data pocket of Panama City Beach

What stands out about Moondrifter is less about what the numbers say and more about what they do not. There is no amenity package showing up in current listings — no clubhouse, pool, or shared recreation noted in the MLS record — which means whatever draws a buyer here is likely the location itself, the individual property, or a private arrangement not reflected in the feed.

The closings activity over the recent window is limited, which is a signal in its own right: this is not a high-turnover community where you can point to a dozen recent comps and call the trend settled. Any pricing conversation here has to start from the specific home and its condition, then work outward to whatever comparable sales actually exist nearby in Panama City Beach.

“

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

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

In a community where the MLS feed itself is sparse, the value of a broker is doing the legwork the data will not — verifying what amenities, if any, actually exist on the ground, building a comp set from the wider Panama City Beach market when Moondrifter's own sales are too few, and making sure a price is defensible on the merits of the property rather than assumed from a community-wide number that does not exist.

Moondrifter in 15 seconds.

Best forBuyers focused on a specific property or lot in Panama City Beach rather than a packaged amenity lifestyle.
Biggest advantageLocation within Panama City Beach carries the value here more than any documented community feature.
Biggest riskLimited sales data means pricing has to be built from scratch on each transaction, not read off a trend line.
Sweet spotA buyer or seller willing to do a property-level comparison rather than lean on community averages.
Avoid ifYou are shopping specifically for a community with an established, documented amenity package.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Moondrifter Condos for Sale in Panama City Beach, FL homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Moondrifter Condos for Sale in Panama City Beach, FL.
In short
  • HOA dues reported around $970/month (about $11,640/yr) · median of 100 MLS listings, most billed quarterly
  • Any club/amenity membership is billed separately

Listings in this community report association dues of about $970 per month ($11,640 a year) — the median AssociationFee across 100 MLS records, normalised to a monthly figure; most are billed quarterly. 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.

The takeaway

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

What is your Moondrifter home worth?

Get a no-obligation home value based on real comparable sales in Moondrifter, 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.
A buyer targeting a specific home or lot in this part of Panama City Beach rather than a set of shared amenities.Excellent fit
Someone comfortable pricing a purchase off individual-property comps rather than a community-wide sales trend.Excellent fit
A buyer working with a broker willing to verify on-the-ground details that the MLS feed does not capture.Excellent fit
A buyer who wants a pool, clubhouse, or other shared recreation as part of the purchase decision.Probably not
Someone who wants to see a deep, recent sales history before committing to a price range.Probably not
A buyer uncomfortable making an offer without a large comparable-sales data set to reference.Probably not

Data sources & freshness

Live listingsCPAR MLS, refreshed twice daily (last: October 1, 2026)
Under-contract sharesCPAR MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2012 (51 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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Common questions about Moondrifter

Where is Moondrifter?

Moondrifter is a community in Panama City Beach, Bay County, Florida, ZIP 32407 / 32408.

Are there homes for sale in Moondrifter right now?

Yes — 5 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.

Does Moondrifter have an HOA or CDD?

No HOA is on record for Moondrifter in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.

Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.

Thinking of selling in Moondrifter? 2 recorded closings (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.

Nearby Communities

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

Top Of The Gulf Condo0.1 mi away · median $220K, 14 sales/12 moThe Summit (Bay)0.2 mi away · median $295K, 13 sales/12 moBoardwalk Central0.2 mi away · median $570K, 12 sales/12 moSugar Beach Condo0.3 mi away · median $360K, 12 sales/12 moLagoon Manor0.3 mi away · 13 homes, built 2023–24, 6 for saleGulf Crest Condo0.4 mi away · median $615K, 9 sales/12 moVillas Of St Thomas0.4 mi away · 11 for sale

Browse all neighborhood guides →

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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.

$2,121/mo
Bay County typical true cost to own
$161/mo
Bay County typical home insurance
Check CDD
Confirm before you offer

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.