Saint Andrews Harbour
Homes for Sale in Panama City, FL
All 268 homes for sale in Panama City, FL · median $349,900 · 165 homes for sale in 32401 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of November 2026, the MLS records 1 closed sale in Saint Andrews Harbour in Panama City, FL, the most recent in September 2026. Across Panama City as a whole, 371 homes closed in the last 12 months at a median of $300,000, 84 median days on market. At that median and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $3,680 ($3,200 with the full homestead exemption).
The dataset for Saint Andrews Harbour is thin right now. Only a single closing shows in the current MLS window, which is not enough activity to draw a price trend or call a pace. That is the headline fact here: this is a low-volume corner of the Panama City market, and any pricing conversation has to be built home-by-home rather than off a community-wide number.
For a seller, thin data cuts both ways. There is little competing inventory to get lost in, but there is also no recent comp trail to lean on when setting a list price, so an appraisal-minded, condition-based pricing approach matters more than usual. For a buyer, it means patience and direct outreach to agents tend to matter more than scrolling active listings, since so little turns over in a given window.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside Saint Andrews Harbour 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 60-Second Overview
Saint Andrews Harbour sits within Panama City in Bay County, and the current MLS feed shows very limited turnover — a single closing in the most recent window — which points to a small, infrequently-traded pocket rather than an active resale market.
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.
Who Saint Andrews Harbour is best for.
Best for
- A buyer who has already identified a specific home in Saint Andrews Harbour and is prepared to verify amenities and HOA terms directly rather than rely on listing summaries
- A buyer comfortable pricing off condition and direct comparables pulled from broader Bay County data rather than a community-specific trend
- A seller willing to price primarily on documented condition and recent broker-pulled comps rather than an established community sales history
Probably not for
- A buyer who wants to compare several recent closed sales within the community before making a decision
- A buyer relying on advertised community amenities without independent confirmation
- A seller expecting quick competitive-offer activity based on recent local turnover
The market around Saint Andrews Harbour
Saint Andrews Harbour is too small for its own price trend, so here is the market around it.
In ZIP 32401, 125 homes are on the market and 11% are under contract — a slower corner of Panama City.
Across Bay County, 2,406 homes are active and 434 pending (15% under contract).
In ZIP 32401 (Panama City), 26 homes closed in the last 12 months at a median of $197K, with a median 73 days on market. Right now 23 active and 2 pending listings put supply at about 10.6 months — a soft market. See the live ZIP 32401 housing market and the Bay County market.
ZIP and county figures describe the wider market, not Saint Andrews Harbour specifically. Momentum Research analysis of MLS records.
The Saint Andrews Harbour buying strategy.
If we were buying in Saint Andrews Harbour 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 Saint Andrews Harbour.
A market with almost no data trail
With just one closing recorded in this window, Saint Andrews Harbour does not generate the kind of repeat sales data that lets an analyst talk confidently about price direction, days on market, or list-to-sale ratios. Whatever narrative exists about this community right now has to be pieced together from individual listings rather than aggregate trend, and that is worth saying plainly rather than papering over with a number that would not hold up.
No community amenities are identified from current MLS listings, which does not mean none exist — it means the listing data available right now does not confirm any. Buyers interested in this address should treat amenity claims, HOA details, and any waterfront or dock access as items to verify directly with a listing agent or the applicable HOA documents rather than something to assume from the name alone.
The location and the amenities are priced into every listing in Saint Andrews Harbour. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with this little closed data, the value an agent adds is less about reciting comps and more about legwork — pulling tax records, HOA documents, and off-market conversation to build a real picture before a client makes an offer or sets a list price. That is the approach we take on low-volume Bay County pockets like this one.
Saint Andrews Harbour in 15 seconds.
Tools for a Saint Andrews Harbour 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 Saint Andrews Harbour sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Saint Andrews Harbour, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Saint Andrews Harbour home worth?
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Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: September 17, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-11-11 |
| Historical depth | Closed-sale records back to 2026 (1 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.
Recent Developments in Saint Andrews Harbour
Development, infrastructure, retail, and school activity affecting Saint Andrews Harbour, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Development
Panama City rejects marina bids and will rebuild West Basin in phases
The city rejected all bids earlier this month for the 49-slip West Basin and will rebid in phases focused on wet slips. The boat ramp has been redesigned and will come later. Phase One construction could start within 90 days of selecting a contractor.
What it may mean for the marketA slower, phased marina rebuild delays new downtown waterfront boating capacity but keeps the project moving toward construction. The site is about 1 mile south of Saint Andrews Harbour.
Source: WJHG - October 2026Infrastructure
West Beach Drive and Mulberry Avenue water, sewer and sidewalk work set to begin in Panama City
The project covers West Beach Drive from Sixth to Fourth Street and Mulberry Avenue, adding water lines, sewer lines and sidewalks in three phases to keep businesses open. Chevron has agreed to cover extra disposal costs if contaminated soil is found. Crews were expected to mobilize within about a week.
What it may mean for the marketUpgraded utilities and sidewalks support the west-side commercial area, with some construction disruption during phasing. The site is about 3 miles southwest of Saint Andrews Harbour.
Source: WJHG - September 2026Retail & Dining
Panama City meets Houston developer interested in part of Panama City Mall site
Panama City officials met a Houston developer interested in buying a portion of the largely vacant Panama City Mall, owned by Hendon Properties, with a retail focus. Discussions covered rezoning, possible CRA participation and plan submittal. The mayor called the FDOT US 231 widening, planned to six lanes from US 98 to SR 20, the biggest holdup.
What it may mean for the marketPossible retail redevelopment of a large vacant site could add shopping options near the US 231 corridor, with timing tied to road widening and rezoning. The site is about 2 miles north of Saint Andrews Harbour.
Source: WJHG - August 2026Development
Deal reached to redevelop historic Panama City Grammar School into apartments and townhomes
Panama City reached a deal for developer Zachary Seymour to buy the 1914 Panama City Grammar School on East Seventh Street and convert it to apartments and townhomes. The city would waive about $375,000 in code fines and a $100,000 CRA grant is pending approval. Seymour has one year to finish structural repairs to roofs, windows and doors.
What it may mean for the marketReuse of a vacant historic building would add downtown-area residential units and remove a long-standing vacant property. The site is about 1 mile south of Saint Andrews Harbour.
Source: WJHG - August 2026Infrastructure
HCA Florida Gulf Coast Hospital announces $125 million expansion
HCA Florida Gulf Coast Hospital announced a $125 million expansion on its 23rd Street campus, including a new patient tower with 34 additional beds, a 16-bed orthopedic and spine unit, a fourth cath lab, an expanded women's center and a 5,000-square-foot outpatient entrance expansion. The project is in design, with construction of 24 to 36 months and completion targeted for 2029.
What it may mean for the marketAdded hospital capacity and specialty services would improve local healthcare access and add medical-sector employment along the 23rd Street corridor. The site is about 1 mile west of Saint Andrews Harbour.
Source: WJHG - July 2026Civic
Panama City approves 12-month moratorium on AI data centers
Panama City commissioners unanimously approved a 12-month pause on AI data centers in certain areas, following a six-month restriction adopted by Bay County the prior week. The city said it will use the period to study data center operations and revisit how they fit into local zoning and land-use rules.
What it may mean for the marketA temporary pause shapes where data centers can locate while the city reviews zoning and land-use standards. The site is about 1 mile south of Saint Andrews Harbour.
Source: WJHG News Channel 7
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
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