St A B Co
Homes for Sale in Panama City, FL
All 245 homes for sale in Panama City, FL · median $349,900 · 117 homes for sale in 32401 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of October 2026, St A B Co in Panama City, FL has 2 homes for sale. Homes listed or recently sold were built 1978–2018; none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 29 ft).
Last 30 days in St A B Co: 2 new listings (median asking $564,700). 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 St A B Co
Live MLS inventory for St A B Co. 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 St A B Co 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 current MLS snapshot for St A B Co is thin — a single closing recorded in the most recent tracking window and no community amenities logged against active listings. That is not enough transaction volume to draw a reliable price trend, a typical days-on-market figure, or a sense of where buyer demand is concentrated. Anyone quoting you a firm number for this community right now is working from guesswork, not data.
For a buyer or seller, that means the smart posture is patience paired with direct comparable research rather than reliance on aggregate stats. A single closing can be an outlier — a distressed sale, an estate transfer, a one-off cash deal — and should not be treated as a market signal on its own. The right move here is pulling recent solds and active competition street by street before setting a price or making an offer.
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
St A B Co sits within Panama City in Bay County, but current MLS activity is too limited to characterize typical pricing or pace with confidence — no community amenities have been identified from active listings either.
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 St A B Co. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
St A B Co
St A B Co
St A B CoPhotos from CPAR MLS listings in St A B Co; content deemed reliable but not guaranteed.
Who St A B Co is best for.
Best for
- A buyer or seller focused on a specific property here who is prepared to commission a direct comparable-sales pull rather than rely on published averages
- Someone comfortable making a decision with limited public market data, backed by additional broker-sourced research
- A buyer prioritizing the Panama City location itself over a documented community track record
Probably not for
- Someone who wants to compare this community against others using median price or days-on-market figures — that data is not currently available
- A buyer expecting a documented amenity package — none is identified in current listings
- Anyone unwilling to wait for or commission additional comp research before pricing a purchase or sale
The market around St A B Co
St A B Co is too small for its own price trend, so here is the market around it.
In ZIP 32401, 145 homes are on the market and 15% are under contract — a slower corner of Panama City.
Across Bay County, 2,515 homes are active and 528 pending (17% under contract).
In ZIP 32401 (Panama City), 337 homes closed in the last 12 months at a median of $307K, up 0.5% year over year, with a median 62 days on market. Right now 166 active and 29 pending listings — a buyer's market. See the live ZIP 32401 housing market and the Bay County market.
ZIP and county figures describe the wider market, not St A B Co specifically. Momentum Research analysis of MLS records.
St A B Co 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 St A B Co buying strategy.
If we were buying in St A B Co 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 St A B Co.
When the data set is this thin
One closing in a tracked window tells you a transaction happened — it does not tell you what the market is doing. There is no median price, no days-on-market pattern, and no amenity profile to draw from in the current feed, which means standard neighborhood-level analysis simply is not supportable yet for St A B Co.
That does not mean the community is inactive or undesirable — it means the public MLS record for this specific name is sparse at this moment. The practical response is to treat any pricing decision here as a bespoke comp study: pull the closest genuine comparables by proximity, size, and condition rather than leaning on a community-wide average that does not yet exist in usable form.
The location and the amenities are priced into every listing in St A B Co. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a data-light community like this, the value of a broker is in the legwork the aggregate numbers cannot do for you — pulling true nearby comparables, checking off-market and pending activity, and pressure-testing a price before you commit rather than after. We will tell you directly when the public data is not enough to act on, and what additional digging we did to fill the gap.
St A B Co in 15 seconds.
What it really costs to own in St A B Co
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 $3,013/yr across 6 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 1990 across 6 listings. An original roof here would be about 36 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 St A B Co
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 St A B Co
Have a question about the homes, fees, rules or commute here? A Momentum agent who works St A B Co will answer, and the answer is published on this page for the next buyer.
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 St A B Co 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 St A B Co sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in St A B Co, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your St A B Co home worth?
Get a no-obligation home value based on real comparable sales in St A B Co, 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 →
Should you buy in St A B Co?
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 (28 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 St A B Co
Development, infrastructure, retail, and school activity affecting St A B Co, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- October 2026Development
Tyndall Air Force Base rebuild continues with about 140 new facilities
WJHG reports Tyndall AFB is rebuilding with roughly 140 new hurricane-resistant facilities after Hurricane Michael in 2018, and now hosts F-35 squadrons. Most current projects are expected to finish by 2027, while other buildings await congressional funding and the work has faced labor and budget constraints.
What it may mean for the marketContinued base construction and F-35 operations sustain military and contractor employment and construction activity in the eastern Bay County area. The site is about 6 miles south of St A B Co.
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 5 miles northwest of St A B Co.
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 project is about 4 miles west of St A B Co, elsewhere in Bay County.
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 5 miles west of St A B Co.
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 north of St A B Co.
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 4 miles west of St A B Co.
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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Common questions about St A B Co
Where is St A B Co?
St A B Co is a community in Panama City, Bay County, Florida, ZIP 32401 / 32404 / 32405 / 32409 / 32444.
Are there homes for sale in St A B Co right now?
Yes — 2 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.
Does St A B Co have an HOA or CDD?
No HOA is on record for St A B Co 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 St A B Co, 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.
Every Home for Sale in St A B Co Right Now (3)
All 3 active and pending St A B Co listings with a detail page, newest first, refreshed twice a day from the MLS.
- 2928 State Avenue, Panama City, Fl 32405 · $379,900 · 3 bd / 2 ba · listed Sep 28, 2026 · listed by CENTURY 21 Commander Realty
- 2742 E Highway 390, Panama City, Fl 32405 · $749,499 · 4 bd / 3 ba · listed Sep 7, 2026 · listed by Think Real Estate
- 102 Sims Avenue 3, Panama City, Fl 32404 · $110,000 · 3 bd / 2 ba · listed Aug 4, 2026 · listed by CENTURY 21 Commander Realty
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Panama City guides & data
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Florida buyer guides
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- 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 St A B Co 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.