Buying or selling? Call (904) 351-6461
St Andrews Bay Co in Panama City

St Andrews Bay Co
Homes for Sale in Panama City, FL

By , Co-Founder, Momentum Realty · Updated October 20, 2026

Buying in Panama City? Get matched with a local agent →Selling? Get your Panama City home value →or call (904) 351-6461

All 245 homes for sale in Panama City, FL · median $349,900 · 117 homes for sale in 32401 · Bay County homes for sale

Community in Panama City · Bay County · ZIP 32401
Free · No obligation
Talk to a St Andrews Bay Co Expert

True comps, carrying-cost math, and listings before the portals.

Photo via CPAR MLS

Built fromLive CPAR MLS data14 years of closingsUpdated twice daily

As of October 2026, St Andrews Bay Co in Panama City, FL has 1 home for sale. Homes listed or recently sold were built 1944–2007; none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 30 ft).

Last 30 days in St Andrews Bay Co: 1 new listing (median asking $225,900). 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.

Live · St Andrews Bay Co Housing Pulse CPAR MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
0%
Under contract
Bay: 17% (528 of 3,043)
1 · 0
For sale · pending
live counts, refreshed twice daily
1
Sold · last 12 mo
10-yr average: about 2 a year

Homes For Sale Right Now in St Andrews Bay Co

Live MLS inventory for St Andrews 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 · 22 daysTop listing
$225,900
4 bd · 3 ba · built 2007
2945 Palmetto Ridge Way, Lynn Haven, FL 32444, Lynn Haven, 32444
Listed by Joseph Walter Realty LLC
Active · 20 days
$219,000
2 bd · 1 ba · built 1944
1609 Billings Avenue, Panama City, FL 32401, Panama City, 32401
Listed by Coastal Real Estate Group, Inc
Active · 146 days
$155,000
3 bd · 1 ba · built 1954
2312 E 17th Street, Panama City, FL 32405, Panama City, 32405
Listed by Marcus Tyson & Associates

Active and pending St Andrews Bay 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.

Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written July 28, 2026

St Andrews Bay Co is a thin data set right now. Current MLS activity through Bay County's CPAR feed does not give us a reliable median price or a clear closing pattern to point to, and no community amenities are showing up in the listings themselves. That is useful information on its own: it tells us this is a smaller, quieter corner of the Panama City market rather than a high-turnover subdivision.

When a community shows this little recent activity, pricing gets set almost entirely by the individual home — condition, lot, and location within Panama City and Bay County matter more than any community-wide trend. Buyers and sellers here should expect negotiations to hinge on the specific property, not on a broader comp set.

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 Andrews Bay Co sits in Panama City, Bay County, and current MLS data shows limited recent listing and closing activity, with no community amenities identified from active listings.

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.

Quick Match

Who St Andrews Bay Co is best for.

Best for

  • A buyer who has a specific home in mind here and wants a direct, property-level valuation rather than a community average
  • A buyer comfortable making decisions with limited comparable sales data and leaning on individual home condition and location
  • A buyer prioritizing a Panama City, Bay County location over a defined amenity package

Probably not for

  • A buyer who wants a clear read on typical price or days-on-market before making an offer
  • A buyer who wants community amenities as part of the purchase decision
  • A buyer who prefers a well-documented comparable sales history to anchor negotiations
The Area Market

The market around St Andrews Bay Co

St Andrews Bay 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 Andrews Bay Co specifically. Momentum Research analysis of MLS records.

Interactive Map

St Andrews 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 MLS. Map data © OpenStreetMap contributors.

The Strategy

The St Andrews Bay Co buying strategy.

If we were buying in St Andrews Bay Co today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Co.

The Quick Decision
Best Buy
Buyers focused on a specific property in Panama City rather than a packaged community experience.
Biggest Risk
The thin data makes it hard to benchmark price or timing against a broader market trend.
Sweet Spot
Works best for someone who has already identified a particular home here and wants a grounded, house-by-house evaluation.
Avoid If
Avoid if you are relying on community amenities or a strong comparable sales history to guide your offer.
The Deep Dive

A market with a thin trail

The honest read on St Andrews Bay Co is that the data trail is short. There is not enough recent closing activity in the feed to establish a dependable median price or a pattern of how quickly homes move here. That does not mean nothing is happening — it means the sample size is small enough that any single sale can swing what the numbers appear to say.

No community amenities are showing up from current MLS listings, which suggests this is not an HOA-driven, amenity-anchored neighborhood in the way some Panama City communities are. Buyers should treat each available listing as its own case, verify lot and structure specifics directly, and lean on local knowledge of the immediate streets and access points rather than a community-wide narrative.

“

The location and the amenities are priced into every listing in St Andrews Bay Co. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty
Why Momentum

Why work with Momentum here

In a community with this little standardized market data, the value we add is direct: pulling current listings the moment they hit CPAR, checking them against comparable homes elsewhere in Panama City and Bay County, and giving you a straight answer on whether a specific property is priced fairly rather than relying on community-level averages that do not yet exist here.

The 15-Second Verdict

St Andrews Bay Co in 15 seconds.

Best forBuyers focused on a specific property in Panama City rather than a packaged community experience.
Biggest advantageLimited competition in the listing pool means less pressure from a crowded comp set.
Biggest riskThe thin data makes it hard to benchmark price or timing against a broader market trend.
Sweet spotWorks best for someone who has already identified a particular home here and wants a grounded, house-by-house evaluation.
Avoid ifAvoid if you are relying on community amenities or a strong comparable sales history to guide your offer.

What it really costs to own in St Andrews Bay 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 taxCurrent owners' bills run a median of $1,771/yr across 6 listings here (MLS tax records, 2026-10-20).
Home and flood insuranceThe 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 ageMedian build year 1954 across 6 listings. An original roof here would be about 72 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 Andrews Bay 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.

Equal Housing Opportunity. Every community is open to everyone; alerts are about homes, never about who lives here.

Ask an agent about St Andrews Bay Co

Have a question about the homes, fees, rules or commute here? A Momentum agent who works St Andrews Bay Co will answer, and the answer is published on this page for the next buyer.

Property facts only: homes, fees, rules, commute. Every community is open to everyone; agents do not answer questions about who lives here.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the St Andrews Bay Co homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in St Andrews Bay Co.
In short
  • HOA dues reported around $40/month (about $480/yr) · median of 28 MLS listings, most billed monthly
  • Any club/amenity membership is billed separately

Listings in this community report association dues of about $40 per month ($480 a year) — the median AssociationFee across 28 MLS records, normalised to a monthly figure; most are billed monthly. 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.

Run Your Numbers

Tools for a St Andrews Bay Co buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxBay County millage and the homestead picture.Rent vs buyThe breakeven on owning in St Andrews Bay Co.Save Our HomesProject your homestead tax cap over time.
The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed St Andrews Bay Co sales matched to your home.

Selling in St Andrews Bay Co

Price it to the comps and condition, not an automated estimate.

If you are thinking about selling in St Andrews 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 Andrews Bay Co home worth?

Get a no-obligation home value based on real comparable sales in St Andrews 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 all homes for sale in Panama City →

Real comps, not an automated estimate.
The Verdict

Should you buy in St Andrews Bay Co?

An honest fit check. We will tell you when it is not your community.

A buyer who has a specific home in mind here and wants a direct, property-level valuation rather than a community averageExcellent fit
A buyer comfortable making decisions with limited comparable sales data and leaning on individual home condition and locationExcellent fit
A buyer prioritizing a Panama City, Bay County location over a defined amenity packageExcellent fit
A buyer who wants a clear read on typical price or days-on-market before making an offerProbably not
A buyer who wants community amenities as part of the purchase decisionProbably not
A buyer who prefers a well-documented comparable sales history to anchor negotiationsProbably not

Data sources & freshness

Live listingsCPAR MLS, refreshed twice daily (last: October 19, 2026)
Under-contract sharesCPAR MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2012 (60 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 Co

Development, infrastructure, retail, and school activity affecting St Andrews Bay Co, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.

  1. October 2026
    Development

    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 9 miles southeast of St Andrews Bay Co.

    Source: WJHG
  2. September 2026
    Retail & 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 1 mile northwest of St Andrews Bay Co.

    Source: WJHG
  3. August 2026
    Development

    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 St Andrews Bay Co.

    Source: WJHG
  4. August 2026
    Infrastructure

    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 St Andrews Bay Co.

    Source: WJHG
  5. August 2026
    Infrastructure

    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 northeast of St Andrews Bay Co.

    Source: WJHG
  6. July 2026
    Civic

    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 St Andrews Bay Co.

    Source: WJHG News Channel 7

Development alerts for St Andrews Bay CoGet a short monthly email when something new is approved, funded, or opens near St Andrews Bay Co.

A monthly email from Momentum Realty. Unsubscribe anytime. See our privacy and disclosures.

By submitting, you agree that EAB RE INVESTMENTS LLC (Momentum Realty) and its agents may contact you at the email or phone number you provided about your inquiry and related updates, which may involve automated means. Consent is not a condition of any purchase. Unsubscribe anytime. If you receive texts, reply STOP to opt out or HELP for help. Msg & data rates may apply. See our Disclosures and Privacy Policy.

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.

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 MLS member average and 8 days faster, and we’ll price yours against live local comps.

Looking to buy here? Search homes for sale →

What’s your home worth in your area?

A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.

By submitting, you agree that EAB RE INVESTMENTS LLC (Momentum Realty) and its agents may call, email, and text you about your inquiry, which may involve automated means and prerecorded or artificial voices. You do not need to consent as a condition of buying any property, goods, or services. To opt out, reply STOP at any time or reply HELP for assistance. You can also click the unsubscribe link in emails. Message and data rates may apply. Message frequency may vary. See our Privacy Policy and SMS Terms.or call (904) 351-6461
CallFree valuation →

Common questions about St Andrews Bay Co

Where is St Andrews Bay Co?

St Andrews Bay Co is a community in Panama City, Bay County, Florida, ZIP 32401 / 32404 / 32405 / 32409 / 32444.

Are there homes for sale in St Andrews Bay Co right now?

Yes — 1 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.

Does St Andrews Bay Co have an HOA or CDD?

No HOA is on record for St Andrews Bay 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 Andrews Bay Co, Panama City

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 10 listings
Distress share trend — 0.0% now (2026-09-14 → 2026-10-17)

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 Andrews Bay Co Right Now (3)

All 3 active and pending St Andrews Bay Co listings with a detail page, newest first, refreshed twice a day from the MLS.

Nearby Communities

Explore more neighborhoods near St Andrews Bay Co with Momentum Realty’s local guides.

Coastal Lands0.2 mi awayLincoln Park0.4 mi away · 4 for saleLong Point Park0.4 mi away · 1 for saleLincoln Park (Bay)0.4 mi away · 1 for saleCarver Heights (Bay)0.5 mi away · 1 for saleMayfield0.6 mi awayChandlee To Pc0.7 mi away · 1 for saleDixie Heights (Bay)0.7 mi away · 2 for sale

Browse all neighborhood guides →

Thinking of selling in St Andrews Bay Co? 1 recorded closings (window ending 2026-09-20). See the Bay County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.
Talk to a Local St Andrews Bay Co Expert
Call Get Listings