Osprey Cove
Homes for Sale in Panama City, FL
All 245 homes for sale in Panama City, FL · median $349,900 · 118 homes for sale in 32405 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of October 2026, Osprey Cove in Panama City, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $726,000, a median 92 days on market, sellers accepting 95% of original asking. Homes listed or recently sold were built 2015–2017; 3 of 3 report an HOA (median $28/mo); none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 27 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $8,910 ($8,430 with the full homestead exemption).
Last 30 days in Osprey Cove: 2 new listings (median asking $562,000). 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 Osprey Cove
Live MLS inventory for Osprey Cove. 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 Osprey Cove 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.
Osprey Cove is a thin-data market right now — the current window shows just 3 closings, so the $726,000 median is a useful marker but not a statistically deep one. Treat it as directional, not gospel, and expect the next handful of sales to move it.
A median 92 days on market is the more telling number here. That is a slower absorption pace than an active, high-turnover community, which tells buyers there is room to negotiate on condition or terms, and tells sellers that pricing and presentation matter more than urgency.
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
Osprey Cove market snapshot (as of September 20, 2026): the median sale price is about $726K, and a median 92 days on market for closed sales.
In ZIP 32405 (Panama City), 697 homes closed in the last 12 months at a median of $280K, down 6.8% year over year, with a median 56 days on market. Right now 202 active and 86 pending listings — a balanced market. See the live ZIP 32405 housing market and the Bay County market.
Osprey Cove is a community of 21 homes in Panama City, Bay County, built between 2009 and 2020 (median 2015.0), with a median living area of about 3,056 square feet. 67% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Osprey Cove sits in Panama City within Bay County, with a limited but recent trail of closed sales to work from. Current MLS data does not identify a defined amenity package for the community.
The setting & the homes.
Aerial and on-site photos of Osprey Cove. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Osprey Cove
Osprey Cove
Osprey CovePhotos from CPAR MLS listings in Osprey Cove; content deemed reliable but not guaranteed.
Who Osprey Cove is best for.
Best for
- Buyers targeting a purchase near the mid-$700s who are comfortable with a market where recent sales are limited in number
- Buyers with flexible timelines who can use a longer average marketing period to negotiate on price or terms
- Sellers willing to price and present carefully in a market where each closing sets the tone for the next
Probably not for
- Buyers who need a deep pool of recent comparables to feel confident in an offer price
- Sellers expecting a fast, high-competition sale on a short timeline
- Buyers relying on a defined amenity package, since none is currently identified in MLS data for this community
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 ($726K) IS the median in the snapshot above.
Windows contain 0 to 3 sales each (3 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.
19% of homes for sale in ZIP 32444 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).
Osprey Cove Market Scorecard
Osprey Cove is currently a balanced market., a median asking price of $585,000, and homes go under contract in about 9 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.
Osprey Cove 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 Osprey Cove buying strategy.
If we were buying in Osprey Cove 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 Osprey Cove.
Reading a Thin Market Correctly
With only 3 closings in the current window, Osprey Cove is not a high-volume neighborhood right now. That is not necessarily a warning sign — it means each sale carries more weight in setting the market's tone, and pricing decisions should be made comparable by comparable rather than by leaning on an average alone.
The 92-day median days-on-market lines up with that thinner volume. Homes here are not moving on a fast clock, which is normal for a community where buyer interest is more selective and sales are less frequent. Sellers should plan for a longer marketing runway; buyers have more room to take their time on inspections and negotiation.
The location and the amenities are priced into every listing in Osprey Cove. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market with only a handful of recent closings, the read on value depends on knowing exactly which sales are truly comparable and why. We work Osprey Cove closing by closing rather than leaning on a thin average, so pricing and offer strategy are grounded in the specific homes that actually sold, not a generic number.
Osprey Cove in 15 seconds.
Tools for a Osprey Cove 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 Osprey Cove sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Osprey Cove, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Osprey Cove home worth?
Get a no-obligation home value based on real comparable sales in Osprey Cove, 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 Osprey Cove
Homes in Osprey Cove 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. 1 on record.
- 3001 Osprey Circle · off market
| Location | Panama City, Bay County, FL · ZIP 32405, 32444 |
|---|---|
| Homes in the community | 21 (FL DOR 2025 assessment roll) |
| Years built | 2009–2020 (median 2015.0) |
| Typical living area | 3,056 sq ft (median) |
| Sale prices, last 12 months | $726,000 median across 3 closed sales |
| Days on market (closed sales) | 92 median |
| For sale right now | 1 active, 0 pending · median asking $585,000 |
| Owner-occupied (homestead) share | 67% |
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, “Osprey Cove key facts,” movewithmomentum.com/neighborhoods/osprey-cove, data as of September 20, 2026.
Housing distress & ownership in Osprey Cove, 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 Osprey Cove
The newest homes for sale in Osprey Cove right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 3017 Osprey Circle, Lynn Haven, FL 32444 $525,000 · 5 bd · 4 ba · 4 days on market Courtesy of Scenic Sotheby's International Realty
- 3021 Osprey Circle, Panama City, FL 32405 $599,000 · 4 bd · 3 ba · 9 days on market Courtesy of Think Real Estate
- 3001 Osprey Circle, Lynn Haven, FL 32444 $575,000 · 5 bd · 4 ba · 72 days on market Courtesy of Dalton Wade Inc
Checked against the MLS Oct 20, 2026. All new listings in this market.
Every Home for Sale in Osprey Cove Right Now (3)
All 3 active and pending Osprey Cove listings with a detail page, newest first, refreshed twice a day from the MLS.
- 3017 Osprey Circle, Lynn Haven, Fl 32444 · $525,000 · 5 bd / 4 ba · listed Oct 15, 2026 · listed by Scenic Sotheby's International Realty
- 3021 Osprey Circle, Panama City, Fl 32405 · $599,000 · 4 bd / 3 ba · listed Oct 6, 2026 · listed by Think Real Estate
- 3001 Osprey Circle, Lynn Haven, Fl 32444 · $575,000 · 5 bd / 4 ba · listed Aug 9, 2026 · listed by Dalton Wade Inc
More Panama City home searches
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- Panama City home values: what is my house worth?
- ZIP 32405 housing scorecard
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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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What it really costs to own in Osprey Cove
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 $4,880/yr across 6 listings here (MLS tax records, 2026-10-20). |
|---|---|
| HOA dues | Median $330/year (about $28/month) across 3 MLS listings (most billed annually; 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 2015 across 6 listings. An original roof here is about 11 years old: still inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage. |
Estimated carrying cost at the median asking price, before the mortgage: about $595/month (tax $407, HOA $28, insurance $161). An estimate from the sources above, not a quote.
Email me new listings in Osprey Cove
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 Osprey Cove
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Osprey Cove will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Osprey Cove?
How long do homes in Osprey Cove take to sell?
How many homes are in Osprey Cove?
What share of Osprey Cove is owner-occupied?
When were the homes in Osprey Cove built?
Who is the best real estate agent for Osprey Cove?
How do I find a top Panama City real estate agent who knows Osprey Cove?
Can Momentum Realty connect me with an agent for Osprey Cove?
Where is Osprey Cove, and what county is it in?
Should you buy in Osprey Cove?
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 (1 streets, ZIP 32405/32444)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (18 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.
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