St Andrews Bay Co
Homes for Sale in Panama City, FL
All 268 homes for sale in Panama City, FL · median $349,900 · 165 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 November 2026, St Andrews Bay Co in Panama City, FL has 2 homes for sale. St Andrews Bay Co is a community in Panama City, Bay County, FL. Across Panama City as a whole, 371 homes closed in the last 12 months at a median of $300,000, 84 median days on market. At that median and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $3,680 ($3,200 with the full homestead exemption).
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.
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.
Across Bay County, 2,406 homes are active and 434 pending (15% under contract).
ZIP and county figures describe the wider market, not St Andrews Bay Co specifically. Momentum Research analysis of MLS records.
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 2026-11-11, 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 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.
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.
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Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: November 11, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-11-11 |
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 November 2026.
- October 2026Development
Panama City rejects marina bids and will rebuild West Basin in phases
The city rejected all bids earlier this month for the 49-slip West Basin and will rebid in phases focused on wet slips. The boat ramp has been redesigned and will come later. Phase One construction could start within 90 days of selecting a contractor.
What it may mean for the marketA slower, phased marina rebuild delays new downtown waterfront boating capacity but keeps the project moving toward construction. The site is about 2 miles south of St Andrews Bay Co.
Source: WJHG - October 2026Infrastructure
West Beach Drive and Mulberry Avenue water, sewer and sidewalk work set to begin in Panama City
The project covers West Beach Drive from Sixth to Fourth Street and Mulberry Avenue, adding water lines, sewer lines and sidewalks in three phases to keep businesses open. Chevron has agreed to cover extra disposal costs if contaminated soil is found. Crews were expected to mobilize within about a week.
What it may mean for the marketUpgraded utilities and sidewalks support the west-side commercial area, with some construction disruption during phasing. The site is about 3 miles southwest of St Andrews Bay 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 1 mile northwest of St Andrews Bay 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 site is about 1 mile south of St Andrews Bay Co.
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 1 mile west of St Andrews Bay 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 1 mile south of St Andrews Bay 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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