Plantation Point
Homes for Sale in Panama City, FL
All 268 homes for sale in Panama City, FL · median $349,900 · 413 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, Plantation Point in Panama City, FL has 2 homes for sale. Over the 12 months ending 2026-11-11, 3 recorded sales closed at a median of $379,900, a median 117 days on market, sellers accepting 97% of original asking. Homes listed or recently sold were built 2004–2004; 6 of 6 report an HOA (median $30/mo); none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 28 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $4,660 ($4,180 with the full homestead exemption).
Last 30 days in Plantation Point: 1 closed sale (median $623,000). As of November 11, 2026, Listing data provided by the Space Coast Multiple Listing Service. Information is deemed reliable but is not guaranteed by the MLS to be accurate.
Price in Plantation Point is driven by the home itself, not by shared amenities. The median sits at $560,000, roughly $275 per square foot, and the spread around that number is condition- and size-driven. There is no community pool, gate, or clubhouse pulling values up or down, so what you pay reflects the house, the lot, and the finishes in front of you.
The current posture favors a patient buyer. Prices are down 9.7% year over year, and with a market heat score of 30, this is not a bidding-war setting. Homes are taking about 37 days to move. Sellers who price to the softer market are transacting; those anchored to last year's number are sitting. Buyers have room to negotiate and to underwrite on the merits rather than on momentum.
Figures in this note are as of July 15, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Plantation Point right now
🟡 Balanced market. 6.0 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of CPAR MLS records, as of November 11, 2026. Confidence: Low (2 active and pending listings, 3 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 12, 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
Plantation Point market snapshot (as of November 11, 2026): the median sale price is about $380K, a median 117 days on market for closed sales, and 6.0 months of supply, a balanced market.
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.
Plantation Point is a home-driven pocket of Rockledge in Brevard County with no shared amenities identified in current listings, which means value here rests entirely on the individual property. The longer arc is meaningful — prices are up 130% since 2012 — even as the last year has cooled.
The setting & the homes.
Aerial and on-site photos of Plantation Point. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Plantation PointPhotos from CPAR MLS listings in Plantation Point; content deemed reliable but not guaranteed.
Who Plantation Point is best for.
Best for
- Buyers with a longer hold who can absorb short-term softness and are comfortable near the $560,000 median
- Value hunters willing to negotiate in a low-heat, roughly 37-day market
- Owner-occupants who want the house itself to carry the value, not a shared amenity package
Probably not for
- Buyers who want a resort-style amenity package with a pool or clubhouse
- Sellers who need a fast, top-of-last-year exit despite the 9.7% year-over-year decline
- Short-term flippers counting on quick gains from a cooling, thin-comp market
Homes For Sale Right Now in Plantation Point
Live MLS inventory for Plantation Point. 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 Plantation Point listings as of 2026-11-11, 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.
Plantation Point 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.
Schools
- Bay County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Williams · Elementary
- McNair · Middle
- Rockledge · High
Zoned schools reflect the assignments reported on recent Plantation Point listings and can change; always confirm with Bay County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Plantation Point address.
The Plantation Point buying strategy.
If we were buying in Plantation Point 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 Plantation Point.
A house-by-house market
Because no community amenities show up in the MLS data, comparisons between listings come down to square footage, condition, and lot rather than a shared package of features. That makes the median useful as a center of gravity but a poor stand-in for any single home. Two properties at similar totals can differ sharply once you weigh updates and layout, so the per-square-foot figure near $275 is a better first filter than the headline price.
The 9.7% year-over-year decline against a 130% gain since 2012 tells you two things at once: recent buyers paid into a peak that has softened, while anyone with a longer horizon has seen substantial movement. A closings window of five is thin, so read every comp closely and don't over-trust a single sale in either direction.
The location and the amenities are priced into every listing in Plantation Point. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
With only five recent closings and no amenity story to lean on, pricing here is a matter of reading condition and comps carefully, not applying a formula. We underwrite each home on its own merits, tell sellers what the softer year actually supports, and give buyers the negotiating footing a heat score of 30 and a 37-day market allow.
Plantation Point in 15 seconds.
Tools for a Plantation Point 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 Plantation Point sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Plantation Point, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Plantation Point home worth?
Get a no-obligation home value based on real comparable sales in Plantation Point, 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 →
Recently off market in Plantation Point
Homes in Plantation Point 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. 4 on record.
- 100 Plantation Point Drive · off market
- 106 Plantation Point Drive · off market
- 1351 Mission San Carlos Drive · off market
- 702 Plantation Circle · off market
| Location | Panama City, Bay County, FL · ZIP 32404 |
|---|---|
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Curbs, Maintenance Grounds, Management - Off Site, Carbon Monoxide Detector(s), Management - Full Time, Suburban |
| Sale prices, last 12 months | $379,900 median across 3 closed sales |
| Days on market (closed sales) | 117 median |
| For sale right now | 2 active, 0 pending · median asking $634,000 · 6.0 months of supply |
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. Market figures describe homes, not residents. Cite as: Momentum Realty, “Plantation Point key facts,” movewithmomentum.com/neighborhoods/plantation-point, data as of November 11, 2026.
Housing distress & ownership in Plantation Point, Rockledge
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. Based on information from the Space Coast MLS for the period November 2026 through November 2026. Deemed reliable but not guaranteed.
Just listed in Plantation Point
The newest homes for sale in Plantation Point right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 259 Pebble Hill Way $699,000 · 4 bd · 3 ba · 2,824 sq ft · new today Courtesy of Coldwell Banker Realty
- 246 Pebble Hill Way $554,000 · 3 bd · 2 ba · 2,150 sq ft · new today Courtesy of Cornell Real Estate
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Plantation Point Right Now (2)
All 2 active and pending Plantation Point listings with a detail page, newest first, refreshed twice a day from the MLS.
- 259 Pebble Hill Way · $699,000 · 4 bd / 3 ba · listed Aug 13, 2026 · listed by Coldwell Banker Realty
- 246 Pebble Hill Way · $554,000 · 3 bd / 2 ba · listed Aug 13, 2026 · listed by Cornell Real Estate
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
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Pebble Hill Way (28 homes on record)
26% of homes for sale in ZIP 32955 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 (2026-11-12).
What it really costs to own in Plantation Point
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 $5,908/yr across 4 listings here (MLS tax records, 2026-11-12). |
|---|---|
| HOA dues | Median $366/year (about $31/month) across 4 MLS listings (most billed annually; 2026-11-12). 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 Brevard County is $2,348/yr (6,986 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 2004 across 4 listings. An original roof here would be about 22 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 Plantation Point
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 Plantation Point
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Plantation Point will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Plantation Point?
How long do homes in Plantation Point take to sell?
Is Plantation Point a buyer's or seller's market right now?
Who is the best real estate agent for Plantation Point?
How do I find a top Panama City real estate agent who knows Plantation Point?
Can Momentum Realty connect me with an agent for Plantation Point?
Where is Plantation Point, and what county is it in?
Should you buy in Plantation Point?
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 11, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending November 11, 2026 |
| Under-contract shares | CPAR MLS records, as of 2026-11-11 |
| Historical depth | Closed-sale records back to 2026 (3 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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See how Plantation Point fits the bigger picture — live prices, inventory, and Momentum Scores: