Ocean Villa
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 · 407 homes for sale in 32407 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via CPAR MLS
As of October 2026, Ocean Villa in Panama City Beach, FL has 3 homes for sale. Over the 12 months ending 2026-09-20, 10 recorded sales closed at a median of $437,500, a median 33 days on market, sellers accepting 93% of original asking (-7% versus the prior year). Homes listed or recently sold were built 2006–2006; 3 of 3 report an HOA (median $632/mo); 3 of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 14 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $5,370 ($4,890 with the full homestead exemption).
| Location | Panama City Beach, Bay County, FL · ZIP 32407, 32413 |
|---|---|
| Sale prices, last 12 months | $437,500 median across 10 closed sales · -7.3% vs the prior 12 months |
| Days on market (closed sales) | 33 median |
| For sale right now | 3 active, 0 pending · median asking $475,000 |
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. Market figures describe homes, not residents. Cite as: Momentum Realty, “Ocean Villa key facts,” movewithmomentum.com/neighborhoods/ocean-villa, data as of September 20, 2026.
Homes For Sale Right Now in Ocean Villa
Live MLS inventory for Ocean Villa. 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 Ocean Villa 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 Ocean Villa Right Now (3)
All 3 active and pending Ocean Villa listings with a detail page, newest first, refreshed twice a day from the MLS.
- 10625 Front Beach Road 1905, Panama City Beach, Fl 32407 · $475,000 · 2 bd / 2 ba · listed Aug 30, 2026 · listed by Coldwell Banker Realty
- 10625 Front Beach Road 1505, Panama City Beach, Fl 32407 · $550,000 · 2 bd / 2 ba · listed Jul 2, 2026 · listed by Christies International Real Estate Emerald Coast
- 10625 Front Beach Road 2305, Panama City Beach, Fl 32407 · $421,000 · 2 bd / 2 ba · listed Jul 2, 2026 · listed by Waterview Property Group LLC
Ocean Villa's pricing has moved lower over the past year, with the median sale now sitting at $450,000 after a year-over-year decline. That pullback follows a long run higher going back to 2012, so this reads as a cooling-off period rather than a structural reset. With only 10 closings in the current window, any single sale can swing the median, so treat the number as a directional signal, not a precise ceiling or floor.
A market heat score in the low 30s points to a buyer-favorable posture right now — homes are sitting for a bit over a month on median, which gives buyers room to negotiate on price and terms. Sellers here need realistic pricing and patience; this is not a market where listings move on the first weekend.
Ocean Villa right now
🟡 Off the recent peak. The trailing-12-month median ($438K) is down 7.3% from the prior 12 months ($472K) and up 143% since 2012. With about a dozen 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: Medium (10 and 6 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 1, 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
Ocean Villa market snapshot (as of September 20, 2026): the median sale price is about $438K, and a median 34 days on market for closed sales. The trailing-12-month median is down 7% from the prior 12 months and up 143% since 2012, computed from record-level CPAR MLS closed sales (10 closings in the current window).
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.
CPAR sales records identify 24 homes in Ocean Villa that have changed hands since 2006, built between 2005 and 2006 (median 2006), with a median living area of about 1,146 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.
Ocean Villa is a Panama City Beach community in Bay County where pricing has softened from its recent run-up, putting it in a slower, more negotiable phase of the cycle.
The setting & the homes.
Aerial and on-site photos of Ocean Villa. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Ocean Villa
Ocean Villa
Ocean VillaPhotos from CPAR MLS listings in Ocean Villa; content deemed reliable but not guaranteed.
Who Ocean Villa is best for.
Best for
- Buyers with flexible timelines who want negotiating room on price
- Buyers comfortable evaluating a property on its own condition rather than a bundled amenity package
- Sellers who can price to current, softer conditions and are willing to wait through a typical month-plus marketing period
Probably not for
- Sellers expecting a quick sale at last year's pricing levels
- Buyers who require confirmed community amenities as part of the purchase decision
- Anyone using a handful of recent sales to draw firm conclusions about long-term value
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level CPAR MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($438K) IS the median in the snapshot above, and the move from 2025 ($472K) IS the -7.3% one-year change.
Windows contain 2 to 14 sales each (10 in the current window); every figure carries its sample size, and thin markets swing on single closings. 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.
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.
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).
Ocean Villa Market Scorecard
Ocean Villa is currently a balanced market., a median asking price of $475,000, and homes go under contract in about 99 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: CPAR MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Ocean Villa 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, tiles © CARTO.
The Ocean Villa buying strategy.
If we were buying in Ocean Villa 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 Ocean Villa.
A Market Correcting After a Long Climb
The headline number to understand here is the gap between the long-term trend and the current trend. Prices are up sharply since 2012, but the most recent year shows a meaningful pullback. That combination usually means a market that ran ahead of itself and is now settling into a more sustainable range — good news for buyers who felt priced out during the run-up, and a signal for sellers to price to today's conditions rather than last year's.
Days on market in the low 30s, paired with a market heat score in the low 30s, both point the same direction: this is not an urgent, multiple-offer environment. Listings need to be priced and presented well to move efficiently. There is no community amenity package identified in current MLS listings, so buyers evaluating Ocean Villa should confirm any shared features or association details directly rather than assuming a standard package.
The location and the amenities are priced into every listing in Ocean Villa. 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 Ocean Villa 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 (6.2). Basis: Long-Term Appreciation +143% since 2012; Recent Direction -7.3% year-over-year; Pricing Power 93.3% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a market this thin on closings and this sensitive to pricing, the read on comparable sales matters more than usual. We track the actual transaction pace and heat trend in Ocean Villa rather than relying on a stale estimate, so pricing and offer strategy reflect what is happening right now, not what happened a year ago.
Ocean Villa in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $632/month (about $7,584/yr) · median of 60 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $632 per month ($7,584 a year) — the median AssociationFee across 60 MLS records, normalised to a monthly figure; most are billed monthly. 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 Ocean Villa 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 Ocean Villa sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Ocean Villa, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Ocean Villa home worth?
Get a no-obligation home value based on real comparable sales in Ocean Villa, 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 →
Recently off market in Ocean Villa
Homes in Ocean Villa 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.
- 102 19Th Avenue · off market
- 10625 Front Beach Road 1305 · off market
Frequently Asked Questions
What is the median home price in Ocean Villa?
How long do homes in Ocean Villa take to sell?
Have Ocean Villa home prices gone up?
Who is the best real estate agent for Ocean Villa?
How do I find a top Panama City Beach real estate agent who knows Ocean Villa?
Can Momentum Realty connect me with an agent for Ocean Villa?
Where is Ocean Villa, and what county is it in?
Should you buy in Ocean Villa?
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) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (131 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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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Ocean Villa fits the bigger picture — live prices, inventory, and Momentum Scores:
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