St Andrews Bay Cmp
Homes for Sale in Panama City, FL
All 245 homes for sale in Panama City, FL · median $349,900 · 119 homes for sale in 32401 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
St Andrews Bay Cmp is a thin-data market right now. The MLS feed we pull from shows minimal recent closing activity in this specific community, which means there is not enough transaction volume to support a confident median-price read or a days-on-market trend. That is a fact about the data, not a judgment on the community itself.
For a buyer, that means pricing here has to be built from comparable sales in nearby Panama City communities and a direct look at the specific listing, not from a community-wide average. For a seller, it means positioning and pricing strategy matter more than usual, since there is no recent local comp trail to lean on.
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 St Andrews Bay CmpHomes for Sale in Panama City, FL 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
St Andrews Bay Cmp sits in Panama City, Bay County, and current MLS data shows no community amenities formally identified — worth confirming directly with any HOA or property records rather than assuming.
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 St Andrews Bay Cmp is best for.
Best for
- A buyer focused on a particular home or parcel in Panama City who is comfortable verifying amenities and comps directly rather than leaning on community-wide stats
- A buyer prioritizing proximity to St Andrews Bay over a packaged amenity set
- A seller willing to price using nearby Panama City comps and a tailored listing strategy given the lack of recent local closing data
Probably not for
- A buyer who wants a clear, data-backed median price and pace-of-market read before writing an offer
- A buyer expecting a defined amenity package such as pools, clubhouses, or shared recreation facilities
- A seller expecting recent comparable closings inside the community to justify a listing price
The market around St Andrews Bay Cmp
St Andrews Bay Cmp 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 Andrews Bay Cmp specifically. Momentum Research analysis of MLS records.
The St Andrews Bay Cmp buying strategy.
If we were buying in St Andrews Bay Cmp 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 Andrews Bay Cmp.
A community with limited MLS footprint
The name suggests proximity to St Andrews Bay, but our current MLS snapshot does not carry amenity listings, price history, or a meaningful closing count for this community as of late July 2026. That is not unusual for smaller or lower-turnover pockets of a larger metro — it simply means the data set is too small right now to generalize about pricing or pace.
If you are looking here, the practical approach is home-by-home: pull the specific parcel's tax and permit history, confirm whether there is an active HOA and what it covers, and compare the listing against recent sales in adjacent Panama City neighborhoods rather than relying on a community-level trend line that does not yet exist in the data.
The location and the amenities are priced into every listing in St Andrews Bay Cmp. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with a thin MLS trail, the value we add is direct verification — checking parcel records, confirming whether an HOA or amenity structure actually exists, and building a comp set from the surrounding Panama City market instead of guessing from incomplete averages.
St Andrews Bay Cmp in 15 seconds.
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 Andrews Bay Cmp 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 Andrews Bay Cmp sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in St Andrews Bay Cmp, 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 Andrews Bay Cmp home worth?
Get a no-obligation home value based on real comparable sales in St Andrews Bay Cmp, 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 Andrews Bay Cmp?
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: September 17, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2015 (34 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 Andrews Bay Cmp
Development, infrastructure, retail, and school activity affecting St Andrews Bay Cmp, 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 7 miles south of St Andrews Bay Cmp.
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 3 miles northwest of St Andrews Bay Cmp.
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 3 miles west of St Andrews Bay Cmp.
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 4 miles west of St Andrews Bay Cmp.
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 6 miles north of St Andrews Bay Cmp.
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 3 miles west of St Andrews Bay Cmp.
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 Andrews Bay Cmp
Where is St Andrews Bay Cmp?
St Andrews Bay Cmp is a community in Panama City, Bay County, Florida, ZIP 32401 / 32404 / 32405 / 32444 / 32466.
Are there homes for sale in St Andrews Bay Cmp right now?
No active listings inside St Andrews Bay Cmp at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does St Andrews Bay Cmp have an HOA or CDD?
No HOA is on record for St Andrews Bay Cmp 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 Andrews Bay Cmp, 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.
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Nearby Communities
Explore more neighborhoods near St Andrews Bay Cmp 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.