Moondrifter
Condos for Sale in Panama City Beach, FL
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
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
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 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.
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 2026-10-19, 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.
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.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
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.
The setting & the homes.
Aerial and on-site photos of Moondrifter. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Moondrifter
Moondrifter
Moondrifter
Moondrifter
MoondrifterPhotos from CPAR MLS listings in Moondrifter; content deemed reliable but not guaranteed.
Who Moondrifter is best for.
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.
Moondrifter 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 Moondrifter buying strategy.
If we were buying in Moondrifter 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 Moondrifter.
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.
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.
What it really costs to own in Moondrifter 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 tax | Current owners' bills run a median of $4,123/yr across 8 listings here (MLS tax records, 2026-10-20). |
|---|---|
| HOA dues | Median $970/month across 5 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 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. |
| Roof and age | Median build year 1982 across 10 listings. An original roof here would be about 44 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 $1,474/month (tax $344, HOA $970, insurance $161). An estimate from the sources above, not a quote.
Email me new listings in Moondrifter 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.
Ask an agent about Moondrifter Condos for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Moondrifter Condos for Sale will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $970/month (about $11,640/yr) · median of 5 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 5 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.
Tools for a Moondrifter 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 Moondrifter sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Moondrifter, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
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 →
Should you buy in Moondrifter?
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: October 19, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-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.
Recent Developments in Moondrifter
Development, infrastructure, retail, and school activity affecting Moondrifter, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- October 2026Development
Tyndall Air Force Base rebuild continues with about 140 new facilities
WJHG reports Tyndall AFB is rebuilding with roughly 140 new hurricane-resistant facilities after Hurricane Michael in 2018, and now hosts F-35 squadrons. Most current projects are expected to finish by 2027, while other buildings await congressional funding and the work has faced labor and budget constraints.
What it may mean for the marketContinued base construction and F-35 operations sustain military and contractor employment and construction activity in the eastern Bay County area. The site is about 11 miles southeast of Moondrifter.
Source: WJHG - September 2026Retail & Dining
Panama City meets Houston developer interested in part of Panama City Mall site
Panama City officials met a Houston developer interested in buying a portion of the largely vacant Panama City Mall, owned by Hendon Properties, with a retail focus. Discussions covered rezoning, possible CRA participation and plan submittal. The mayor called the FDOT US 231 widening, planned to six lanes from US 98 to SR 20, the biggest holdup.
What it may mean for the marketPossible retail redevelopment of a large vacant site could add shopping options near the US 231 corridor, with timing tied to road widening and rezoning. The site is about 1 mile east of Moondrifter.
Source: WJHG - August 2026Development
Deal reached to redevelop historic Panama City Grammar School into apartments and townhomes
Panama City reached a deal for developer Zachary Seymour to buy the 1914 Panama City Grammar School on East Seventh Street and convert it to apartments and townhomes. The city would waive about $375,000 in code fines and a $100,000 CRA grant is pending approval. Seymour has one year to finish structural repairs to roofs, windows and doors.
What it may mean for the marketReuse of a vacant historic building would add downtown-area residential units and remove a long-standing vacant property. The site is about 3 miles southeast of Moondrifter.
Source: WJHG - August 2026Infrastructure
HCA Florida Gulf Coast Hospital announces $125 million expansion
HCA Florida Gulf Coast Hospital announced a $125 million expansion on its 23rd Street campus, including a new patient tower with 34 additional beds, a 16-bed orthopedic and spine unit, a fourth cath lab, an expanded women's center and a 5,000-square-foot outpatient entrance expansion. The project is in design, with construction of 24 to 36 months and completion targeted for 2029.
What it may mean for the marketAdded hospital capacity and specialty services would improve local healthcare access and add medical-sector employment along the 23rd Street corridor. The site is less than a mile south of Moondrifter.
Source: WJHG - August 2026Infrastructure
Bay County approves $13.5 million water treatment plant expansion
Bay County commissioners approved a $13.5 million contract with NCMC Construction to add three large sand filters (30 by 50 feet each) to the county water treatment plant, which now runs 11 filters. Construction is expected to start soon and take about a year, and officials say water bills should not rise because of it.
What it may mean for the marketAdded filtration and backup capacity supports water service reliability for a county where demand has more than doubled in 15 years. The site is about 6 miles northeast of Moondrifter.
Source: WJHG - July 2026Civic
Panama City approves 12-month moratorium on AI data centers
Panama City commissioners unanimously approved a 12-month pause on AI data centers in certain areas, following a six-month restriction adopted by Bay County the prior week. The city said it will use the period to study data center operations and revisit how they fit into local zoning and land-use rules.
What it may mean for the marketA temporary pause shapes where data centers can locate while the city reviews zoning and land-use standards. The site is about 3 miles southeast of Moondrifter.
Source: WJHG News Channel 7
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
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.
See how Moondrifter fits the bigger picture — live prices, inventory, and Momentum Scores:
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.
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.
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 Moondrifter Right Now (5)
All 5 active and pending Moondrifter listings with a detail page, newest first, refreshed twice a day from the MLS.
- 8815 Thomas Drive 704, Panama City Beach, Fl 32408 · $425,000 · 2 bd / 2 ba · listed Sep 11, 2026 · listed by Emerald Coast Realty Group
- 8815 Thomas Drive 503, Panama City, Fl 32408 · $355,900 · 1 bd / 2 ba · pending · listed Sep 11, 2026 · listed by Keller Williams Success Realty
- 8815 Thomas Drive 806, Panama City Beach, Fl 32408 · $455,000 · 2 bd / 2 ba · listed Aug 14, 2026 · listed by List Now Realty,LLC
- 8815 Thomas 305, Panama City, Fl 32408 · $375,000 · 2 bd / 2 ba · listed Jul 22, 2026 · listed by Emerald Coast Realty Group
- 8815 Thomas Drive 207, Panama City, Fl 32408 · $340,000 · 2 bd / 2 ba · listed Jul 22, 2026 · listed by Fun Quest Vacation Rentals Corp
More Panama City Beach home searches
- All homes for sale in Panama City Beach, FL
- Homes for sale in Bay County, FL
- Homes under $300K in Panama City Beach
- Homes from $300K to $500K in Panama City Beach
- 4-bedroom homes for sale in Panama City Beach
- Panama City Beach home values: what is my house worth?
- ZIP 32407 housing scorecard
- 3 coming-soon communities in Bay County
Panama City Beach 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
Real estate agent in Panama City Beach? Join Momentum in Panama City Beach: 100% commission, one $12K cap.
Nearby Communities
Explore more neighborhoods near Moondrifter with Momentum Realty’s local guides.
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.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Bay County scorecard.
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.