River Oaks Tennis Villas
Condos for Sale in Panama City Beach, FL
All 731 homes for sale in Panama City Beach, FL · median $365,000 · 694 condos for sale in Panama City Beach · 397 homes for sale in 32407 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of October 2026, River Oaks Tennis Villas in Panama City Beach, FL has 3 homes for sale. Homes listed or recently sold were built 1993–1993; 3 of 3 report an HOA (median $1,209/mo); none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 18 ft).
Last 30 days in River Oaks Tennis Villas: 2 new listings (median asking $310,000). 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 River Oaks Tennis Villas
Live MLS inventory for River Oaks Tennis Villas. 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 River Oaks Tennis Villas listings as of 2026-10-19, 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.

River Oaks Tennis Villas is a thin-data community right now. With only a short closings window to work from and no amenities confirmed through current MLS listings, this is not a market where we can point to a clean price trend or a defined range. That is a fact about the data, not a knock on the property type.
For a buyer or seller, that means pricing here has to be built bottom-up, unit by unit, using condition, recent comparable closings, and direct agent knowledge of the building rather than a community-wide statistic. Anyone quoting you a tight price band for River Oaks Tennis Villas right now is working from assumption, not evidence.
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
River Oaks Tennis Villas sits in Panama City Beach, Bay County, but current MLS activity here is too limited to support reliable community-level pricing or trend claims — any read on value has to be done at the individual listing level.
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.
The setting & the homes.
Aerial and on-site photos of River Oaks Tennis Villas. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from CPAR MLS listings in River Oaks Tennis Villas; content deemed reliable but not guaranteed.
Who River Oaks Tennis Villas is best for.
Best for
- A buyer who wants a villa-style property in Panama City Beach and is prepared to evaluate each listing on its own merits
- A buyer working with an agent willing to pull direct comparable sales rather than rely on community averages
- A buyer or seller comfortable moving forward without a confirmed community amenities package
Probably not for
- A buyer who requires a stated median price range before considering a community
- A buyer who wants a confirmed, MLS-documented amenities list before touring
- A buyer relying solely on published market trend data rather than individual comparable analysis
The market around River Oaks Tennis Villas
River Oaks Tennis Villas is too small for its own price trend, so here is the market around it.
In ZIP 32407, 488 homes are on the market and 14% are under contract — a slower corner of Panama City Beach.
Across Bay County, 2,515 homes are active and 528 pending (17% under contract).
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.
ZIP and county figures describe the wider market, not River Oaks Tennis Villas specifically. Momentum Research analysis of MLS records.
River Oaks Tennis Villas 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 River Oaks Tennis Villas buying strategy.
If we were buying in River Oaks Tennis Villas 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 River Oaks Tennis Villas.
A Villa Community With Limited Public Data
The name suggests a tennis-oriented villa layout, but no amenities are currently confirmed through active MLS listings, and the closings window available for this snapshot is narrow. That combination means we cannot responsibly state a median price, a typical days-on-market figure, or a list-to-sale ratio for the community as a whole without overstating what the data actually shows.
This is common in smaller villa-style communities that turn over infrequently. It does not mean the property type is untested — it means the public record for this specific snapshot period is too sparse to summarize with confidence. Buyers and sellers here need a comparable-sale approach rather than a community-average approach.
The location and the amenities are priced into every listing in River Oaks Tennis Villas. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community where the MLS snapshot alone will not tell you what a unit is worth, the value we add is direct: pulling actual comparable closings, verifying condition and any association details unit by unit, and being straight with you about where the data is thin so you are not pricing or offering off a guess.
River Oaks Tennis Villas in 15 seconds.
What it really costs to own in River Oaks Tennis VillasCondos for Sale
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 $3,603/yr across 6 listings here (MLS tax records, 2026-10-20). |
|---|---|
| HOA dues | Median $1,209/month across 3 MLS listings (most billed quarterly; 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 1993 across 6 listings. An original roof here would be about 33 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. |
Estimated carrying cost at the median asking price, before the mortgage: about $1,670/month (tax $300, HOA $1,209, insurance $161). An estimate from the sources above, not a quote.
Email me new listings in River Oaks Tennis VillasCondos for Sale
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 River Oaks Tennis VillasCondos for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works River Oaks Tennis VillasCondos for Sale will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $1,209/month (about $14,504/yr) · median of 3 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $1,209 per month ($14,504 a year) — the median AssociationFee across 3 MLS records, normalised to a monthly figure; most are billed quarterly. 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 River Oaks Tennis Villas 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 River Oaks Tennis Villas sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in River Oaks Tennis Villas, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your River Oaks Tennis Villas home worth?
Get a no-obligation home value based on real comparable sales in River Oaks Tennis Villas, 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 →
Should you buy in River Oaks Tennis Villas?
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 19, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (30 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 River Oaks Tennis Villas fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about River Oaks Tennis Villas
Where is River Oaks Tennis Villas?
River Oaks Tennis Villas is a community in Panama City Beach, Bay County, Florida, ZIP 32407.
Are there homes for sale in River Oaks Tennis Villas right now?
Yes — 3 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.
Does River Oaks Tennis Villas have an HOA or CDD?
No HOA is on record for River Oaks Tennis Villas 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 River Oaks Tennis Villas, Panama City Beach
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.
Every Home for Sale in River Oaks Tennis Villas Right Now (3)
All 3 active and pending River Oaks Tennis Villas listings with a detail page, newest first, refreshed twice a day from the MLS.
- 520 N Richard Jackson Boulevard 2801, Panama City Beach, Fl 32407 · $335,000 · 3 bd / 3 ba · listed Sep 10, 2026 · listed by Coldwell Banker Realty
- 520 Richard Jackson Boulevard 2607, Panama City Beach, Fl 32407 · $285,000 · 2 bd / 2 ba · listed Aug 20, 2026 · listed by Secure Real Estate
- 520 Richard Jackson Road 2713, Panama City Beach, Fl 32407 · $397,000 · 2 bd / 2 ba · listed Jul 22, 2026 · listed by Counts Real Estate Group Inc
More Panama City Beach home searches
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- ZIP 32407 housing scorecard
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Panama City Beach 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
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- The 4-point inspection, explained
- Florida flood insurance calculator
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Nearby Communities
Explore more neighborhoods near River Oaks Tennis Villas 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.



