St And Bay Co
Homes for Sale in Panama City, FL
True comps, carrying-cost math, and listings before the portals.
Photo via cpar
St And Bay Co is a thin market right now, and that matters more than any single number in the snapshot. With only four closings in the window, the $175,750 median price and the 103-day median time on market are both real data points, but they are not a stable trend line yet. A handful of sales can swing a median hard in either direction the next time the window updates.
The year-over-year figure, down 15.3%, is consistent with what a small sample plus a slower selling pace would produce. Pricing here reads as condition- and situation-driven rather than tied to a tight, competitive band. For a seller, that means the asking price has to be justified by the property itself, not by a neighborhood-wide pattern. For a buyer, it means there is room to negotiate, but also room to overpay if you skip a careful comparison of the few comps that actually exist.
St And Bay Co right now
🔴 Off the recent peak. The trailing-12-month median ($176K) is down 15.3% from the prior 12 months ($208K). With about 3 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 closed sales, 12-month windows ending July 28. Confidence: Low (4 and 4 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 28, 2026 · Live data: cpar, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
St And Bay Co market snapshot (as of July 28, 2026): the median sale price is about $176K, and a median 103 days on market for closed sales. The trailing-12-month median is down 15% from the prior 12 months, computed from record-level cpar closed sales (4 closings in the current window).
St And Bay Co in Panama City is currently a low-volume corner of the Bay County market, with pricing and pace shaped by a small number of transactions rather than a deep, active pipeline of listings.
The setting & the homes.
Aerial and on-site photos of St And Bay Co. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
St And Bay Co
St And Bay Co
St And Bay CoPhotos from cpar listings in St And Bay Co; content deemed reliable but not guaranteed.
Who St And Bay Co is best for.
Best for
- A buyer looking for a straightforward home purchase without HOA amenities factored into the price.
- Someone prepared to have a longer selling or buying timeline given the current pace.
- A buyer or seller willing to lean on a broader area comparison rather than a handful of local closings alone.
Probably not for
- Someone who wants a tight, high-confidence comp set before pricing a home.
- A buyer expecting shared amenities like a pool, gate, or clubhouse included in the purchase.
- Anyone needing a fast, high-volume market with quick turnaround on offers.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 28 of each year, from record-level cpar closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($176K) IS the median in the snapshot above, and the move from 2025 ($208K) IS the -15.3% one-year change.
Windows contain 0 to 6 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.
28% 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 (2026-08-18).
St And Bay Co Market Scorecard
St And Bay Co is currently a balanced market., and homes go under contract in about 63 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: cpar, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in St And Bay 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. Based on Stellar MLS data distributed by MLS GRID for the period August 2026 through August 2026. Deemed reliable but not guaranteed.
Homes For Sale Right Now in St And Bay Co
Live MLS inventory for St And Bay 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 And Bay Co listings as of 2026-08-17, 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.
St And Bay 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. Map data © OpenStreetMap, tiles © CARTO.
The St And Bay Co buying strategy.
If we were buying in St And Bay 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 And Bay Co.
A market defined by scarcity of data, not scarcity of value
Median days on market at 103 tells you homes here are not moving quickly, and combined with only four closings feeding the current snapshot, this is not a segment where you can point to a tight price-per-square-foot pattern and expect it to hold. Every listing needs to be evaluated on its own condition, lot, and terms rather than benchmarked against a busy comp set.
No community amenities are identified from current MLS listings, which suggests this is not an HOA-driven or amenity-packaged product. Buyers should expect to be paying for the home and the location itself, not for a shared pool, gate, or clubhouse. That can simplify the decision for someone who wants a straightforward property without added monthly obligations, but it also means there is less to fall back on if the home itself needs work.
The location and the amenities are priced into every listing in St And Bay Co. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market with this few closings, the comps that do exist have to be read correctly, and the ones that do not exist have to be acknowledged honestly. We will walk you through exactly what the four recent sales do and do not tell you, help you stress-test a listing price against actual condition, and be direct if the thin data means we need to widen the comparison to a broader area of Bay County before you commit.
St And Bay Co in 15 seconds.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- 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 And Bay 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 And Bay 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 And Bay 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 And Bay Co home worth?
Get a no-obligation home value based on real comparable sales in St And Bay 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 homes for sale in St And Bay Co on the map →
Frequently Asked Questions
What is the median home price in St And Bay Co?
How long do homes in St And Bay Co take to sell?
Who is the best real estate agent for St And Bay Co?
How do I find a top Panama City real estate agent who knows St And Bay Co?
Can Momentum Realty connect me with an agent for St And Bay Co?
Should you buy in St And Bay Co?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near St And Bay Co with Momentum Realty’s local guides.
Data sources & freshness
| Community market stats | cpar closed sales, 12-month windows ending July 28, 2026 |
| Historical depth | Closed-sale records back to 2012 (42 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 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 member average and 8 days faster, and we’ll price yours against live your area comps.
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See how St And Bay Co fits the bigger picture — live prices, inventory, and Momentum Scores: