Pine Tree Place
Homes for Sale in Panama City, FL
All 236 homes for sale in Panama City, FL · median $355,200 · 315 homes for sale in 32404 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of November 2026, the MLS records 68 closed sales in Pine Tree Place in Panama City, FL since 2012, the most recent in August 2026. Across Panama City as a whole, 4 homes closed in the last 12 months at a median of $304,400, 63 median days on market, with 3 homes for sale today. At that median and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $3,740 ($3,250 with the full homestead exemption).
Nearby homes for sale
No active listings inside Pine Tree PlaceHomes for Sale in Panama City, FL right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The market around Pine Tree Place
Pine Tree Place is too small for its own price trend, so here is the market around it.
In ZIP 32404, 428 homes are on the market and 30% are under contract — a fast-moving corner of Panama City.
Across Bay County, 2,515 homes are active and 528 pending (17% under contract).
ZIP and county figures describe the wider market, not Pine Tree Place specifically. Momentum Research analysis of MLS records.
The Pine Tree Place buying strategy.
If we were buying in Pine Tree Place 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 Pine Tree Place.
The location and the amenities are priced into every listing in Pine Tree Place. The deal is won or lost on condition, the comps, and the renovation math.
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 Pine Tree Place 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 Pine Tree Place sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Pine Tree Place, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Pine Tree Place home worth?
Get a no-obligation home value based on real comparable sales in Pine Tree Place, 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 →
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: September 17, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (68 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 →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Pine Tree Place fits the bigger picture — live prices, inventory, and Momentum Scores:
Email me new listings in Pine Tree Place
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 Pine Tree Place
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Pine Tree Place will answer, and the answer is published on this page for the next buyer.
Common questions about Pine Tree Place
Where is Pine Tree Place?
Pine Tree Place is a community in Panama City, Bay County, Florida, ZIP 32404 / 32405.
Are there homes for sale in Pine Tree Place right now?
No active listings inside Pine Tree Place at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Pine Tree Place have an HOA or CDD?
No HOA is on record for Pine Tree Place in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
Housing distress & ownership in Pine Tree Place, 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.
More Panama City home searches
- All homes for sale in Panama City, FL
- Homes for sale in Bay County, FL
- 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
- 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
- Florida housing market map
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Nearby Communities
Explore more neighborhoods near Pine Tree Place with Momentum Realty’s local guides.
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.