St Andrews Bay Co
Homes for Sale in Panama City, FL
All 253 homes for sale in Panama City, FL · median $349,000 · 121 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 September 2026, St Andrews Bay Co in Panama City, FL has 1 home for sale. As of September 2026, the MLS records 60 closed sales in St Andrews Bay Co in Panama City, FL since 2012, the most recent in December 2025.
Last 30 days in St Andrews Bay Co: 2 new listings (median asking $226,950). As of September 29, 2026, Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate.
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.
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.
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 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.
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.
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.
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 and pending St Andrews Bay Co listings as of 2026-09-30, 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.
Every Home for Sale in St Andrews Bay Co Right Now (2)
All 2 active and pending St Andrews Bay Co listings with a detail page, newest first, refreshed twice a day from the MLS.
- 2945 Palmetto Ridge Way, Lynn Haven, Fl 32444 · $234,900 · 4 bd / 3 ba · listed Sep 25, 2026 · listed by Joseph Walter Realty LLC
- 1609 Billings Avenue, Panama City, Fl 32401 · $219,000 · 2 bd / 1 ba · listed Sep 11, 2026 · listed by Coastal Real Estate Group, Inc
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 August 2026.
- 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 1 mile south of St Andrews Bay Co.
Source: WJHG News Channel 7 - July 2026Parks & Amenities
Panama City Beach approves $1.25 million to rehabilitate Conservation Park boardwalks
The Panama City Beach city council approved a budget of $1.25 million to rehabilitate more than one mile of boardwalks at Conservation Park. The funding covers rehabilitation of the park's boardwalk system.
What it may mean for the marketInvestment in Conservation Park boardwalks upgrades a recreational amenity in Panama City Beach. The project is about 17 miles northwest of St Andrews Bay Co, elsewhere in Bay County.
Source: WJHG News Channel 7 - June 2026Retail & Dining
New retailers open at Watersound Town Center as construction continues
Watersound Town Center in the Panama City Beach area reported new store openings including FP Movement, Hemline, Monkee's, and Sunset Shoes and Lifestyles, with Johnnie-O expected later in the summer. St. Joe said two additional buildings are planned to break ground this year at the center.
What it may mean for the marketGrowing retail and dining space plus additional buildings expand the commercial center along the State Road 79 corridor. The project is about 23 miles northwest of St Andrews Bay Co, elsewhere in Bay County.
Source: The St. Joe Company - 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 project is about 2 miles south of St Andrews Bay Co, elsewhere in Bay County.
Source: WJHG News Channel 7 - June 2026Development
Panama City commissioners approve Community Development District for 1,800-home neighborhood
Panama City commissioners approved a Community Development District for a planned neighborhood of about 1,800 homes east of John Pitts Road in north Panama City. Under the CDD, road maintenance within the neighborhood stays with the district rather than transferring to the city.
What it may mean for the marketA new large-scale residential district adds housing supply and internally maintained streets to the north Panama City market. The project is about 6 miles northeast of St Andrews Bay Co, elsewhere in Bay County.
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.
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.
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 Co.
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.
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.
St Andrews Bay Co in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $40/month (about $480/yr) · median of 4 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 4 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, 2026-09.
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 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 Andrews 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 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 →
Should you buy in St Andrews Bay 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: September 30, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-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.
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.
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See how St Andrews Bay Co fits the bigger picture — live prices, inventory, and Momentum Scores:
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.
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