Morningside
Homes for Sale in Panama City, FL
All 245 homes for sale in Panama City, FL · median $349,900 · 308 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 October 2026, Morningside in Panama City, FL has 7 homes for sale and 3 pending, asking from $254,900 to $319,250 (median $314,900). Over the 12 months ending 2026-09-20, 16 recorded sales closed at a median of $289,900, a median 73 days on market, sellers accepting 92% of original asking (-6% versus the prior year). Homes listed or recently sold were built 2026–2026 with 10 new construction; 11 of 11 report an HOA (median $72/mo); none of the 10 geocoded homes sit in a FEMA special flood hazard zone (median elevation 65 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $3,560 ($3,070 with the full homestead exemption).
Last 30 days in Morningside: 2 new listings (median asking $314,900), 3 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 Morningside
Live MLS inventory for Morningside. 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 Morningside 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.
Morningside is a new-construction pocket in Panama City, with every home in the current dataset built in 2024. That uniformity is the story here: there is no older housing stock to compare against, so the market is really trading on builder pricing, finish levels, and how quickly the last handful of inventory moves. The median price of $297,400 reflects that new-build baseline more than it reflects negotiation room.
A median 67.5 days on market and a slight -1.9% year-over-year shift suggest this community is past its initial absorption rush and into a slower, more deliberate phase. With only 30 homes total and 18 closings in the recent window, pricing conversations here are close to case-by-case rather than governed by a deep comparable set. Buyers have some room to negotiate on terms; sellers need realistic expectations on timeline.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Morningside right now
🟡 Off the recent peak. The trailing-12-month median ($290K) is down 6.4% from the prior 12 months ($310K). With about 21 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level CPAR MLS closed sales, 12-month windows ending September 20. Confidence: High (16 and 28 sales in the two windows).
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· 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
Morningside market snapshot (as of September 20, 2026): the median sale price is about $290K, and a median 73 days on market for closed sales. The trailing-12-month median is down 6% from the prior 12 months, computed from record-level CPAR MLS closed sales (16 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 15 homes in Morningside that have changed hands since 2025, built between 2025 and 2027 (median 2026), with a median living area of about 1,799 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 27 qualified sales in Morningside across 2024–2025 (9 in 2024, 18 in 2025), median $309,500 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Morningside is a small, entirely new-construction community in Panama City, Bay County, with every recorded home built in 2024 and a median living area of 1,484 square feet.
The setting & the homes.
Aerial and on-site photos of Morningside. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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MorningsidePhotos from CPAR MLS listings in Morningside; content deemed reliable but not guaranteed.
Who Morningside is best for.
Best for
- Buyers prioritizing new construction over an older resale, willing to pay a new-build price point around the mid-$290s
- Buyers comfortable with a smaller, still-forming community rather than a fully built-out neighborhood
- Investors or second-home buyers who are less dependent on a homestead exemption timeline
Probably not for
- Buyers who want a deep sales history and multiple resale comps before making an offer
- Buyers expecting established community amenities, since none are currently identified from MLS listings
- Buyers needing a fast close, given the current median marketing time of just over 67 days
Morningside 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 Morningside buying strategy.
If we were buying in Morningside 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 Morningside.
A New Build, Still Settling In
With a median year built of 2024 and a build range confined entirely to that year, Morningside reads as a single-phase development rather than an established neighborhood with layers of resale history. That matters for valuation: there is no older comp to anchor pricing, and the $297,400 median is essentially the market's current read on new-construction value here, not a blend of vintage and new.
The 12% homestead share is worth noting. In a brand-new community, that low figure is typical of homes recently closed where owners have not yet filed for homestead exemption, or of properties held as second homes or investment purchases. It is not, on its own, a red flag — but it does mean the buyer pool skews toward non-primary-residence purchases at this stage, which can affect how quickly inventory turns over as the community matures.
The location and the amenities are priced into every listing in Morningside. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Morningside buys, holds, and resells. Momentum Research; not an appraisal.
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 (3.1). Basis: Recent Direction -6.4% year-over-year; Owner Commitment 5% owner-occupied; Pricing Power 91.5% sale-to-list. Refreshed with each data update.
Why work with Momentum here
A market this thin — 30 homes, 18 recent closings — rewards someone who is tracking every listing and closing individually rather than relying on broad-area trend lines. We watch Morningside at that level of detail, so pricing conversations here are based on what has actually closed, not on assumptions carried over from older Bay County comps.
Morningside in 15 seconds.
Tools for a Morningside 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 Morningside sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Morningside, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Morningside home worth?
Get a no-obligation home value based on real comparable sales in Morningside, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Recently off market in Morningside
Homes in Morningside 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. 2 on record.
- 7341 Morningside Drive · off market
- 7463 Morningside Drive · off market
| Location | Panama City, Bay County, FL · ZIP 32404, 32466 |
|---|---|
| Homes in the community | 14 (FL DOR 2025 assessment roll) |
| Years built | 2024–2024 (median 2024) |
| Typical living area | 2,073 sq ft (median) |
| Home types (current listings and sales) | singlefamilyresidence 100% |
| Sale prices, last 12 months | $289,900 median across 16 closed sales · -6.4% vs the prior 12 months |
| Days on market (closed sales) | 73 median |
| For sale right now | 7 active, 4 pending · median asking $304,900 |
| Owner-occupied (homestead) share | 5% |
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, “Morningside key facts,” movewithmomentum.com/neighborhoods/morningside--bay, data as of September 20, 2026.
Housing distress & ownership in Morningside, 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.
Just listed in Morningside
The newest homes for sale in Morningside right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 7524 Delancey Street, Panama City, FL 32404 $314,900 · 4 bd · 2 ba · new today Courtesy of DR Horton Realty of Emerald Coast, LLC
- 7528 Delancey Street, Panama City, FL 32404 $314,900 · 4 bd · 2 ba · new today Courtesy of DR Horton Realty of Emerald Coast, LLC
- 7327 Morningside Drive, Panama City, FL 32404 $319,250 · 4 bd · 2 ba · 45 days on market Courtesy of DR Horton Realty of Emerald Coast, LLC
- 7526 Delancey Street, Panama City, FL 32404 $254,900 · 3 bd · 2 ba · 51 days on market Courtesy of DR Horton Realty of Emerald Coast, LLC
- 7531 Delancey Street, Panama City, FL 32404 $269,900 · 3 bd · 2 ba · 61 days on market Courtesy of DR Horton Realty of Emerald Coast, LLC
- 7521 Delancey Street, Panama City, FL 32404 $309,900 · 4 bd · 2 ba · 120 days on market Courtesy of DR Horton Realty of Emerald Coast, LLC
Checked against the MLS Oct 20, 2026. All new listings in this market.
Every Home for Sale in Morningside Bay Right Now (10)
All 10 active and pending Morningside Bay listings with a detail page, newest first, refreshed twice a day from the MLS.
- 7525 Delancey Street, Panama City, Fl 32404 · $274,900 · 3 bd / 2 ba · pending · listed Oct 19, 2026 · listed by DR Horton Realty of Emerald Coast, LLC
- 7524 Delancey Street, Panama City, Fl 32404 · $314,900 · 4 bd / 2 ba · listed Sep 11, 2026 · listed by DR Horton Realty of Emerald Coast, LLC
- 7528 Delancey Street, Panama City, Fl 32404 · $314,900 · 4 bd / 2 ba · listed Sep 11, 2026 · listed by DR Horton Realty of Emerald Coast, LLC
- 7531 Delancey Street, Panama City, Fl 32404 · $269,900 · 3 bd / 2 ba · listed Sep 11, 2026 · listed by DR Horton Realty of Emerald Coast, LLC
- 7325 Morningside Drive, Panama City, Fl 32404 · $317,075 · 4 bd / 2 ba · pending · listed Sep 11, 2026 · listed by DR Horton Realty of Emerald Coast, LLC
- 7526 Delancey Street, Panama City, Fl 32404 · $254,900 · 3 bd / 2 ba · listed Aug 14, 2026 · listed by DR Horton Realty of Emerald Coast, LLC
- 7327 Morningside Drive, Panama City, Fl 32404 · $319,250 · 4 bd / 2 ba · listed Jul 27, 2026 · listed by DR Horton Realty of Emerald Coast, LLC
- 7520 Delancey Street, Panama City, Fl 32404 · $314,900 · 4 bd / 2 ba · listed Jul 22, 2026 · listed by DR Horton Realty of Emerald Coast, LLC
- 7521 Delancey Street, Panama City, Fl 32404 · $309,900 · 4 bd / 2 ba · listed Jul 22, 2026 · listed by DR Horton Realty of Emerald Coast, LLC
- 7530 Delancey Street, Panama City, Fl 32404 · $249,900 · 3 bd / 2 ba · pending · listed Jul 22, 2026 · listed by DR Horton Realty of Emerald Coast, LLC
More Panama City home searches
- All homes for sale in Panama City, FL
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- Homes under $300K in Panama City
- Homes from $300K to $500K in Panama City
- 4-bedroom homes for sale in Panama City
- Panama City home values: what is my house worth?
- ZIP 32404 housing scorecard
- 3 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
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Recent Developments in Morningside Bay
Development, infrastructure, retail, and school activity affecting Morningside Bay, 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 6 miles south of Morningside Bay.
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 project is about 6 miles west of Morningside Bay, elsewhere in Bay County.
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 about 7 miles west of Morningside Bay.
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 7 miles north of Morningside Bay.
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 project is about 6 miles west of Morningside Bay, elsewhere in Bay County.
Source: WJHG News Channel 7 - June 2026Development
Panama City commissioners approve Community Development District for 1,800-home neighborhood
Panama City commissioners approved a Community Development District for a planned neighborhood of about 1,800 homes east of John Pitts Road in north Panama City. Under the CDD, road maintenance within the neighborhood stays with the district rather than transferring to the city.
What it may mean for the marketA new large-scale residential district adds housing supply and internally maintained streets to the north Panama City market. The project is about 6 miles north of Morningside Bay, elsewhere in Bay County.
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.
30% of homes for sale in Morningside 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 Morningside
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 $72/month across 11 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 2026 across 22 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Email me new listings in Morningside
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Ask an agent about Morningside
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Morningside will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Morningside?
How long do homes in Morningside take to sell?
What share of Morningside is owner-occupied?
Who is the best real estate agent for Morningside?
How do I find a top Panama City real estate agent who knows Morningside?
Can Momentum Realty connect me with an agent for Morningside?
Where is Morningside, and what county is it in?
Is Morningside a good place to live?
Should you buy in Morningside?
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 20, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32404/32466)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2024 (63 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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