Sun Harbor Condo in Panama City

Sun Harbor
Condos for Sale in Panama City, FL

All 268 homes for sale in Panama City, FL · median $349,900 · 233 condos for sale in Panama City · 165 homes for sale in 32401 · Bay County homes for sale

Community in Panama City · Bay County · ZIP 32401
Free · No obligation
Talk to a Sun Harbor Condo Expert

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

Photo via CPAR MLS

Built fromLive CPAR MLS dataUpdated twice daily

As of November 2026, Sun Harbor Condo in Panama City, FL has 4 homes for sale, asking from $168,000 to $320,000 (median $209,000). Homes listed or recently sold were built 1984–1984; 4 of 4 report an HOA (median $425/mo); 3 of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 5 ft).

Last 30 days in Sun Harbor: 1 new listing (median asking $168,000). As of November 11, 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 · Sun Harbor Condo 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: 15% (434 of 2,840)
4 · 0
For sale · pending
live counts, refreshed twice daily

Homes For Sale Right Now in Sun Harbor Condo

Live MLS inventory for Sun Harbor Condo. 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 Sun Harbor Condo 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.

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

Sun Harbor Condo's price picture sits on a thin data set right now: five closings inform the current snapshot, so the median of $155,000 should be read as a directional marker rather than a tight, tested range. With this few transactions, one unusual sale can move the number more than it would in a deeper market.

The median 115-day time on market is the more telling figure here. That is not a fast-turn condo community, and it points to buyers taking their time, sellers testing price before adjusting, or both. Anyone pricing a listing or writing an offer here should plan around patience rather than urgency.

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

Sun Harbor Condo is a Panama City condo community in Bay County where current MLS activity is limited, giving the market a quieter, slower-moving posture than higher-volume complexes nearby.

CPAR sales records identify 9 homes in Sun Harbor Condo that have changed hands since 2022, built between 1984 and 1984 (median 1984), with a median living area of about 540 sq ft and a typical 1-bedroom, 1-bath layout; 100% are condominiums. Source: CPAR closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.

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.

Best for

  • Buyers with flexible timelines who can wait through a longer-than-average selling window
  • Buyers prioritizing a lower condo price point in Panama City over a fast close
  • Sellers willing to price realistically from the start given the current median days on market

Probably not for

  • Sellers expecting a quick sale or heavy competing-offer activity
  • Buyers relying on assumed community amenities without confirming them directly
  • Anyone needing a large pool of recent comps to firm up a price strategy

The market around Sun Harbor Condo

Sun Harbor Condo is too small for its own price trend, so here is the market around it.

In ZIP 32401, 125 homes are on the market and 11% are under contract — a slower corner of Panama City.

Across Bay County, 2,406 homes are active and 434 pending (15% under contract).

In ZIP 32401 (Panama City), 26 homes closed in the last 12 months at a median of $197K, with a median 73 days on market. Right now 23 active and 2 pending listings put supply at about 10.6 months — a soft market. See the live ZIP 32401 housing market and the Bay County market.

ZIP and county figures describe the wider market, not Sun Harbor Condo specifically. Momentum Research analysis of MLS records.

Listing locations from CPAR MLS. Map data © OpenStreetMap contributors.

If we were buying in Sun Harbor Condo 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 Sun Harbor Condo.

Best Buy
Buyers looking for condo ownership in Panama City at a lower entry price than the broader Bay County single-family market.
Biggest Risk
With only five closings informing the snapshot, price and timeline expectations should be treated as loose rather than fixed.
Sweet Spot
Buyers and sellers who verify unit-specific condition and association details rather than relying on complex-wide assumptions.
Avoid If
You need a fast sale or a tightly predictable price comp, since current volume here does not support either.

A Small Sample, A Slow Clock

Two numbers define this snapshot: a median price of $155,000 and a median 115 days on market, drawn from just five recent closings. That combination usually means a condo stock where condition and pricing strategy matter more than broad demand pressure. When only a handful of units trade in a window, the community is not being pushed by competing offers so much as individual sellers finding individual buyers.

No community amenities were identified from current MLS listings, which does not mean none exist, only that the listing data available does not surface them. Buyers should verify directly what a specific building or association offers rather than assuming standard condo features are present. On the market side, the long median days-on-market figure suggests sellers should price realistically at the outset rather than expect a quick sale, and buyers have more room to negotiate on timeline and terms than they would in a fast-moving segment.

“

The location and the amenities are priced into every listing in Sun Harbor Condo. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

In a market this thin, the median and the days-on-market figure only tell part of the story, and the rest has to come from direct comparison of the handful of units actually trading. We pull the specific closings behind the numbers, check condition and association details unit by unit, and help you build a price or offer strategy that reflects what is really moving here, not just the headline figure.

Sun Harbor Condo in 15 seconds.

Best forBuyers looking for condo ownership in Panama City at a lower entry price than the broader Bay County single-family market.
Biggest advantageThe long selling window gives buyers negotiating room that faster-moving communities do not offer.
Biggest riskWith only five closings informing the snapshot, price and timeline expectations should be treated as loose rather than fixed.
Sweet spotBuyers and sellers who verify unit-specific condition and association details rather than relying on complex-wide assumptions.
Avoid ifYou need a fast sale or a tightly predictable price comp, since current volume here does not support either.
The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Sun Harbor Condo sales matched to your home.

What is your Sun Harbor Condo home worth?

Get a no-obligation home value based on real comparable sales in Sun Harbor Condo, 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.
Buyers with flexible timelines who can wait through a longer-than-average selling windowExcellent fit
Buyers prioritizing a lower condo price point in Panama City over a fast closeExcellent fit
Sellers willing to price realistically from the start given the current median days on marketExcellent fit
Sellers expecting a quick sale or heavy competing-offer activityProbably not
Buyers relying on assumed community amenities without confirming them directlyProbably not
Anyone needing a large pool of recent comps to firm up a price strategyProbably not

Data sources & freshness

Live listingsCPAR MLS, refreshed twice daily (last: November 11, 2026)
Under-contract sharesCPAR MLS records, as of 2026-11-11
Historical depthClosed-sale records back to 2026 (1 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. A Momentum agent can 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 →

Housing distress & ownership in Sun Harbor Condo, 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 6 listings
Distress share trend — 0.0% now (2026-08-12 → 2026-11-11)

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 Sun Harbor Condo Right Now (4)

All 4 active and pending Sun Harbor Condo listings with a detail page, newest first, refreshed twice a day from the MLS.

Nearby Communities

Explore more neighborhoods near Sun Harbor with Momentum Realty’s local guides.

Wainwright Park0.8 mi away · 1 for saleBayview Heights0.9 mi away · median $330K, 3 sales/12 moAshland0.9 mi awayDrummond Ware1.2 mi away · 5 for saleMarina Landing (Bay)1.2 mi away · 8 for saleCollege Village1.2 mi away · 1 for saleMoorings At Woodlawn Point1.3 mi awayThe Moorings (Bay)1.3 mi away · 1 for sale

Browse all neighborhood guides →

More on Sun Harbor Condos for Sale in Panama City

What it really costs to own in Sun Harbor

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 $2,552/yr across 8 listings here (MLS tax records, 2026-11-12).
HOA duesMedian $425/month across 5 MLS listings (most billed monthly; 2026-11-12). Dues cover what the documents say they cover; ask for the budget and reserve study.
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 1984 across 8 listings. An original roof here would be about 42 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.

Estimated carrying cost at the median asking price, before the mortgage: about $798/month (tax $213, HOA $425, insurance $161). An estimate from the sources above, not a quote.

Email me new listings in Sun Harbor

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 Sun Harbor Condos for Sale

Have a question about the homes, fees, rules or commute here? A Momentum agent who works Sun Harbor Condos for Sale 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.

Talk to a Local Sun Harbor Condo Expert
Call Get Listings