North Beach Estates
Homes for Sale in Panama City Beach, FL
All 785 homes for sale in Panama City Beach, FL · median $369,000 · 396 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, North Beach Estates in Panama City Beach, FL has 1 home for sale. As of October 2026, the MLS records 43 closed sales in North Beach Estates in Panama City Beach, FL since 2012, the most recent in June 2026. Across Panama City Beach as a whole, 18 homes closed in the last 12 months at a median of $425,000, 76 median days on market, with 1,400 homes for sale today. At that median and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $5,220 ($4,730 with the full homestead exemption).
| Location | Panama City Beach, Bay County, FL · ZIP 32407, 32408, 32413 |
|---|---|
| Homes in the community | 116 (FL DOR 2025 assessment roll) |
| Years built | 1971–2022 (median 1993) |
| Typical living area | 1,674 sq ft (median) |
| For sale right now | 1 active, 0 pending · median asking $368,000 |
| Owner-occupied (homestead) share | 58% |
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, “North Beach Estates key facts,” movewithmomentum.com/neighborhoods/north-beach-estates, data as of September 20, 2026.
North Beach Estates spans a wide construction era, with homes dated as early as 1935 and as recent as 2024, and a median build year of 1991.5. That spread means condition and vintage, not just location, drive price here. Two homes on the same street can carry very different levels of updating, so pricing has to be evaluated house by house rather than by a single market narrative.
The homestead share sits at 32.7%, meaning a majority of the 462 homes in this snapshot are not owner-occupied primary residences. That points to a meaningful share of second-home and investment ownership in this pocket of Panama City Beach, which tends to bring more inventory turnover and more variability in how a home has been maintained or rented over time.
The 60-Second Overview
North Beach Estates is a Bay County community in Panama City Beach built out over nearly nine decades, with a median home size of 1,706 square feet and no community amenities currently identified from MLS listings.
County records show 6 qualified sales in North Beach Estates across 2024–2025 (5 in 2024, 1 in 2025), median $349,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
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.
Who North Beach Estates is best for.
Best for
- Buyers looking for a second home or investment property in Panama City Beach and comfortable with a non-homestead-heavy market
- Buyers open to evaluating homes across a broad range of construction eras rather than one uniform build style
- Buyers who want flexibility on home size, given a median living area of 1,706 square feet with variation around it
Probably not for
- Buyers who want only recent, like-new construction with minimal condition variance
- Buyers who expect a defined set of shared community amenities as part of the purchase
- Buyers uncomfortable doing property-by-property condition diligence before writing an offer
The market around North Beach Estates
North Beach Estates 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 North Beach Estates specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in North Beach Estates, 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.
Homes For Sale Right Now in North Beach Estates
Live MLS inventory for North Beach Estates. 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 North Beach Estates 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 North Beach Estates Right Now (1)
All 1 active and pending North Beach Estates listings with a detail page, newest first, refreshed twice a day from the MLS.
- 936 Pelican Place, Panama City Beach, Fl 32407 · $368,000 · 3 bd / 2 ba · listed Jul 2, 2026 · listed by CENTURY 21 Ryan Realty Inc
The North Beach Estates buying strategy.
If we were buying in North Beach Estates 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 North Beach Estates.
A mixed-vintage stock without a shared amenity package
With 462 homes carrying build years from 1935 through 2024, this is not a subdivision with one architectural identity. The median year built of 1991.5 puts the typical home at roughly three decades old, but that median sits in the middle of a genuinely long range, so buyers will find everything from older original-construction homes to recent builds within the same community boundary.
Current MLS data does not identify shared community amenities here. That absence is worth taking at face value rather than assuming an oversight — it means any amenity a buyer wants, whether that is a pool, dock access, or common green space, needs to be confirmed at the individual property level rather than assumed from the community itself.
The location and the amenities are priced into every listing in North Beach Estates. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
A community with a 1935-to-2024 build range and a below-majority homestead share requires more diligence than a typical uniform subdivision. We help buyers separate a well-maintained older home from one that simply looks updated in photos, and help sellers position a property accurately against neighbors built decades apart in age and condition.
North Beach Estates in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
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 North Beach Estates 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 North Beach Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in North Beach Estates, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your North Beach Estates home worth?
Get a no-obligation home value based on real comparable sales in North Beach Estates, 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 →
15% of homes for sale in ZIP 32407 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 (2026-09-23).
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.
Frequently Asked Questions
How many homes are in North Beach Estates?
What share of North Beach Estates is owner-occupied?
When were the homes in North Beach Estates built?
Who is the best real estate agent for North Beach Estates?
How do I find a top Panama City Beach real estate agent who knows North Beach Estates?
Can Momentum Realty connect me with an agent for North Beach Estates?
Where is North Beach Estates, and what county is it in?
Should you buy in North Beach Estates?
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 1, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32407/32408/32413)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (43 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.
Looking to buy here? Search homes for sale →
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See how North Beach Estates fits the bigger picture — live prices, inventory, and Momentum Scores:
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