Sentinel Point
Homes for Sale in Panama City, FL
All 245 homes for sale in Panama City, FL · median $349,900 · 308 homes for sale in 32404 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via CPAR MLS
As of October 2026, Sentinel Point in Panama City, FL has 2 homes for sale. Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $188,000, a median 34 days on market, sellers accepting 97% of original asking (-2% versus the prior year). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $2,310 ($1,820 with the full homestead exemption).
Last 30 days in Sentinel Point: 1 new listing (median asking $240,000). 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.
Sentinel Point's price sits in the mid-$180s, and the story behind that number is construction age more than location scarcity. With a median year built of 2019 but a range stretching back to 1978, this is a community where a handful of older homes and a larger group of newer builds are trading side by side, and condition or vintage is doing most of the work on price rather than any shared amenity package.
A 34-day median time on market and a market heat score of 45 point to a fairly balanced posture, not a bidding-war environment and not a stalled one either. Pricing has softened slightly year over year, so sellers should expect buyers to negotiate on condition and recent updates, while buyers should come in with a clear read on what a given home's age and finish level actually justify.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Sentinel Point right now
🟡 Off the recent peak. The trailing-12-month median ($188K) is down 2.1% from the prior 12 months ($192K). With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level CPAR MLS closed sales, 12-month windows ending September 20. Confidence: Low (4 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 20, 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
Sentinel Point market snapshot (as of September 20, 2026): the median sale price is about $188K, and a median 34 days on market for closed sales. The trailing-12-month median is down 2% from the prior 12 months, computed from record-level CPAR MLS closed sales (4 closings in the current window).
In ZIP 32404 (Panama City), 1,060 homes closed in the last 12 months at a median of $290K, down 3.3% year over year, with a median 58 days on market. Right now 391 active and 146 pending listings — a balanced market. See the live ZIP 32404 housing market and the Bay County market.
County records show 8 qualified sales in Sentinel Point across 2024–2025 (6 in 2024, 2 in 2025), median $233,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Sentinel Point is a community of 97 homes in Panama City, Bay County, built between 1978 and 2020 (median 2019), with a median living area of about 1,654 square feet. 35% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Sentinel Point in Panama City is a smaller community of 131 homes where recent construction outweighs the handful of older properties, and buyers are paying largely for the structure itself rather than any shared amenity draw.
Who Sentinel Point is best for.
Best for
- Buyers focused on the home itself who don't need shared community amenities as part of the value equation
- Buyers targeting a purchase in the mid-$180s who are comfortable evaluating each listing's construction year individually
- Investors or non-primary buyers who are comfortable operating in a market with a moderate homestead share and some resale variability
Probably not for
- Buyers who want a pool, clubhouse, or gated entry as part of the purchase
- Buyers who need a large, deep comparable-sales pool to feel confident in pricing
- Buyers set on a single, consistent construction era rather than a mix spanning several decades
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 ($188K) IS the median in the snapshot above, and the move from 2025 ($192K) IS the -2.1% one-year change.
Windows contain 3 to 42 sales each (4 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.
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.
23% of homes for sale in ZIP 32404 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).
Sentinel Point Market Scorecard
Sentinel Point is currently a balanced market., a median asking price of $235,000, and homes go under contract in about 43 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.
Homes For Sale Right Now in Sentinel Point
Live MLS inventory for Sentinel 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 Sentinel Point 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.
The Sentinel Point buying strategy.
If we were buying in Sentinel 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 Sentinel Point.
Where the value actually sits
The spread from 1978 to 2022 means Sentinel Point isn't a single-vintage community, but the median year built of 2019 tells you where the bulk of the inventory clusters. Homes here run roughly 1,656 square feet at the median, and with no community amenities identified from current MLS listings, this reads as a straightforward housing play: the home and lot carry the value, not a clubhouse, pool, or gated entry.
With only four closings in the most recent window, the current numbers should be treated as directional rather than statistically bulletproof. A homestead share just under 40% suggests a meaningful portion of the inventory turns over as non-primary or investment purchases, which can add some variability to comparable sales and is worth factoring into any pricing strategy.
The location and the amenities are priced into every listing in Sentinel Point. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Sentinel Point buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (5.8). Basis: Recent Direction -2.1% year-over-year; Owner Commitment 35% owner-occupied; Pricing Power 97.5% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a community with a thin closings sample and a wide construction-year spread, pulling the right comparables matters more than usual. We pull the recent, condition-matched sales rather than leaning on a community-wide average that can be skewed by a handful of transactions, and we price against what a home's specific age and finish level actually support.
Sentinel Point in 15 seconds.
What it really costs to own in Sentinel PointHomes 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 $2,051/yr across 4 listings here (MLS tax records, 2026-10-20). |
|---|---|
| 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 2018 across 4 listings. An original roof here is about 8 years old: still inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage. |
Email me new listings in Sentinel PointHomes 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 Sentinel PointHomes for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Sentinel PointHomes for Sale will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $267/month (about $3,204/yr) · median of 90 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $267 per month ($3,204 a year) — the median AssociationFee across 90 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 Sentinel 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 Sentinel Point sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Sentinel 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 Sentinel Point home worth?
Get a no-obligation home value based on real comparable sales in Sentinel 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 →
| Location | Panama City, Bay County, FL · ZIP 32404 |
|---|---|
| Homes in the community | 97 (FL DOR 2025 assessment roll) |
| Years built | 1978–2020 (median 2019) |
| Typical living area | 1,654 sq ft (median) |
| Sale prices, last 12 months | $188,000 median across 4 closed sales · -2.1% vs the prior 12 months |
| Days on market (closed sales) | 34 median |
| For sale right now | 2 active, 0 pending · median asking $235,000 |
| Owner-occupied (homestead) share | 35% |
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, “Sentinel Point key facts,” movewithmomentum.com/neighborhoods/sentinel-point, data as of September 20, 2026.
Just listed in Sentinel Point
The newest homes for sale in Sentinel Point right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 5841 Callaway Circle, Panama City, FL 32404 $240,000 · 3 bd · 3 ba · new today Courtesy of Secure Real Estate
- 5912 Callaway Circle, Panama City, FL 32404 $230,000 · 3 bd · 3 ba · 43 days on market Courtesy of Beycome of Florida LLC
Checked against the MLS Oct 20, 2026. All new listings in this market.
Every Home for Sale in Sentinel Point Right Now (2)
All 2 active and pending Sentinel Point listings with a detail page, newest first, refreshed twice a day from the MLS.
- 5841 Callaway Circle, Panama City, Fl 32404 · $240,000 · 3 bd / 3 ba · listed Sep 11, 2026 · listed by Secure Real Estate
- 5912 Callaway Circle, Panama City, Fl 32404 · $230,000 · 3 bd / 3 ba · listed Jul 29, 2026 · listed by Beycome of Florida LLC
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- Panama City home values: what is my house worth?
- ZIP 32404 housing scorecard
- 3 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
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Recent Developments in Sentinel Point
Development, infrastructure, retail, and school activity affecting Sentinel Point, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- 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 Sentinel Point.
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 less than a mile southwest of Sentinel Point.
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 2 miles northwest of Sentinel Point.
Source: WJHG - August 2026Infrastructure
Bay County approves $13.5 million water treatment plant expansion
Bay County commissioners approved a $13.5 million contract with NCMC Construction to add three large sand filters (30 by 50 feet each) to the county water treatment plant, which now runs 11 filters. Construction is expected to start soon and take about a year, and officials say water bills should not rise because of it.
What it may mean for the marketAdded filtration and backup capacity supports water service reliability for a county where demand has more than doubled in 15 years. The site is about 7 miles northeast of Sentinel Point.
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 less than a mile west of Sentinel Point.
Source: WJHG News Channel 7 - June 2026Infrastructure
Panama City moves downtown marina slip construction to bid, ends City Marina Partners deal
Panama City put the first 50 boat slips at the Downtown Marina out for contractor bids, with construction expected to begin shortly after a contract is awarded and the bid window closing June 16. Commissioners also ended their working relationship with City Marina Partners and budgeted payment for work already completed.
What it may mean for the marketProgress on downtown marina slip construction advances waterfront infrastructure in the Panama City core. The site is less than a mile southwest of Sentinel Point.
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.
Frequently Asked Questions
What is the median home price in Sentinel Point?
How long do homes in Sentinel Point take to sell?
How many homes are in Sentinel Point?
What share of Sentinel Point is owner-occupied?
When were the homes in Sentinel Point built?
Who is the best real estate agent for Sentinel Point?
How do I find a top Panama City real estate agent who knows Sentinel Point?
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Where is Sentinel Point, and what county is it in?
Should you buy in Sentinel 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: October 19, 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 32404)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2018 (133 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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More on Sentinel Point
- Home values · What homes in Sentinel Point actually sell for
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