Oakshore Villas Townhouses
Homes for Sale in Panama City, FL
All 268 homes for sale in Panama City, FL · median $349,900 · 410 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, Oakshore Villas Twnhs in Panama City, FL has 2 homes for sale. As of November 2026, the MLS records 1 closed sale in Oakshore Villas Twnhs in Panama City, FL, the most recent in July 2026. Across Panama City as a whole, 371 homes closed in the last 12 months at a median of $300,000, 84 median days on market. At that median and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $3,680 ($3,200 with the full homestead exemption).
Last 30 days in Oakshore Villas Townhouses: 1 new listing (median asking $225,000). As of November 12, 2026, Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate.
Oakshore Villas Twnhs is not a community where you can point to a trend line and feel good about it. Over the current closings window, MLS activity shows only two closed sales — not enough volume to establish a reliable pricing pattern. That means each transaction here gets priced on its own merits: condition, unit location within the community, and whatever comparable data a buyer or seller's agent can pull from outside the immediate complex.
For a seller, thin closing activity cuts both ways — less competition to price against, but also less proof point for an asking price. For a buyer, it means walking in with your own due diligence rather than leaning on a well-worn comp sheet. This is a negotiate-the-specifics market, not a chase-the-trend one.
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
Oakshore Villas Twnhs is a townhome community in Panama City, Bay County, with very limited recent closing activity on record and no community amenities currently documented in MLS listings — a profile that calls for direct verification rather than assumptions.
County records show 4 qualified sales in Oakshore Villas Townhouses across 2024–2025 (3 in 2024, 1 in 2025), median $305,000 — 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 Oakshore Villas Townhouses is best for.
Best for
- A buyer who wants a townhome in Bay County and doesn't need trend charts to make a decision
- A buyer or seller comfortable pricing a home on condition and direct comps rather than community-wide sales history
- Someone willing to independently confirm HOA terms, fees, and what maintenance is covered before closing
Probably not for
- A buyer who wants a documented list of community amenities before making an offer
- Someone who needs several recent comparable sales inside the community to feel confident about price
- A buyer relying on strong trend data to negotiate or to satisfy a lender's comfort level
The market around Oakshore Villas Townhouses
Oakshore Villas Townhouses is too small for its own price trend, so here is the market around it.
In ZIP 32404, 408 homes are on the market and 21% are under contract — a steady corner of Panama City.
Across Bay County, 2,406 homes are active and 434 pending (15% under contract).
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.
ZIP and county figures describe the wider market, not Oakshore Villas Townhouses specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Oakshore Villas Townhouses
Live MLS inventory for Oakshore Villas Townhouses. 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 Oakshore Villas Townhouses listings as of 2026-11-13, 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.
The Oakshore Villas Townhouses buying strategy.
If we were buying in Oakshore Villas Townhouses 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 Oakshore Villas Townhouses.
Reading a Thin File
Two data points is a starting place, not a trend. With only two closings in the current window, there isn't enough transaction history at Oakshore Villas to say pricing is moving in any particular direction, and any per-square-foot comparison drawn from that small a sample should be treated as a loose reference, not a benchmark.
The amenities field also comes back empty from current MLS listings, which doesn't necessarily mean the community has none — it means listings haven't documented them. That's a flag to pull HOA documents, ask about maintenance responsibilities, and confirm what's actually included before assuming anything about shared spaces, exterior upkeep, or fees.
The location and the amenities are priced into every listing in Oakshore Villas Townhouses. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with this little closing history, the value isn't in a market report — it's in someone who will actually pull the HOA file, verify what's included in dues, and price against real comparables from outside the complex when the internal data runs thin. That's the work we do before you write or accept an offer.
Oakshore Villas Townhouses in 15 seconds.
Tools for a Oakshore Villas Townhouses 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 Oakshore Villas Townhouses sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Oakshore Villas Townhouses, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Oakshore Villas Townhouses home worth?
Get a no-obligation home value based on real comparable sales in Oakshore Villas Townhouses, 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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| Location | Panama City, Bay County, FL · ZIP 32404 |
|---|---|
| Homes in the community | 32 (FL DOR 2025 assessment roll) |
| Years built | 1950–2022 (median 1985.0) |
| Typical living area | 1,412 sq ft (median) |
| For sale right now | 2 active, 0 pending · median asking $257,000 |
| Owner-occupied (homestead) share | 16% |
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; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Oakshore Villas Townhouses key facts,” movewithmomentum.com/neighborhoods/oakshore-villas-twnhs, data as of November 11, 2026.
Housing distress & ownership in Oakshore Villas Twnhs, 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 Oakshore Villas Townhouses
The newest homes for sale in Oakshore Villas Townhouses right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 6437 Oakshore Drive, Panama City, FL 32404 $225,000 · 2 bd · 3 ba · listed Nov 7, 2026 Courtesy of Barbee Beach House Realty
- 6445 Oakshore Drive, Panama City, FL 32404 $289,000 · 2 bd · 3 ba · listed Aug 29, 2026 Courtesy of LPT Realty LLC
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Oakshore Villas Twnhs Right Now (2)
All 2 active and pending Oakshore Villas Twnhs listings with a detail page, newest first, refreshed twice a day from the MLS.
- 6437 Oakshore Drive, Panama City, Fl 32404 · $225,000 · 2 bd / 3 ba · listed Sep 30, 2026 · listed by Barbee Beach House Realty
- 6445 Oakshore Drive, Panama City, Fl 32404 · $289,000 · 2 bd / 3 ba · listed Aug 31, 2026 · listed by LPT Realty LLC
More Panama City home searches
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- 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
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- Flood zones
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Florida buyer guides
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- Florida flood insurance calculator
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What it really costs to own in Oakshore Villas Townhouses
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 $2,364/yr across 4 listings here (MLS tax records, 2026-11-13). |
|---|---|
| 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 1985 across 4 listings. An original roof here would be about 41 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. |
Email me new listings in Oakshore Villas Townhouses
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 Oakshore Villas Townhouses
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Oakshore Villas Townhouses will answer, and the answer is published on this page for the next buyer.
21% of homes for sale in ZIP 32404 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 (2026-11-13).
Frequently Asked Questions
How many homes are in Oakshore Villas Townhouses?
What share of Oakshore Villas Townhouses is owner-occupied?
When were the homes in Oakshore Villas Townhouses built?
Who is the best real estate agent for Oakshore Villas Townhouses?
How do I find a top Panama City real estate agent who knows Oakshore Villas Townhouses?
Can Momentum Realty connect me with an agent for Oakshore Villas Townhouses?
Where is Oakshore Villas Townhouses, and what county is it in?
Should you buy in Oakshore Villas Townhouses?
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 13, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32404)) |
| Under-contract shares | CPAR MLS records, as of 2026-11-11 |
| Historical depth | Closed-sale records back to 2026 (1 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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