Sunbay Townhouses
Homes for Sale in Panama City, FL
All 257 homes for sale in Panama City, FL · median $349,000 · 302 homes for sale in 32404 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of October 2026, Sunbay Townhouses in Panama City, FL has 1 home for sale. Homes listed or recently sold were built 1989–1989; 3 of 3 report an HOA (median $117/mo); none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 12 ft).
Last 30 days in Sunbay Townhouses: 1 new listing (median asking $284,900), 1 under contract right now. As of October 2, 2026, Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate.
Sunbay Townhouses sits in Panama City, Bay County, and at this snapshot the MLS feed does not show enough active listing detail to isolate a price trend or a typical days-on-market figure. That is itself useful information: it tells a buyer or seller that the current dataset is thin, not that the community is inactive or undesirable.
Without amenity data or a price benchmark to point to, the honest posture here is to treat this as a market that needs a direct pull of current listings and comparable closed sales before pricing a home to sell or making an offer. Anyone acting on assumptions from a different Bay County community risks mispricing in either direction.
The 60-Second Overview
Sunbay Townhouses is a townhouse community in Panama City, Bay County; current MLS data does not surface a community amenity list or pricing detail, so this snapshot is limited to location and property type.
CPAR sales records identify 5 homes in Sunbay Townhouses that have changed hands since 2026, built between 1989 and 1989 (median 1989), with a median living area of about 1,414 sq ft and a typical 3-bedroom, 2.5-bath layout. 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.
The setting & the homes.
Aerial and on-site photos of Sunbay Townhouses. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Sunbay Townhouses
Sunbay Townhouses
Sunbay TownhousesPhotos from CPAR MLS listings in Sunbay Townhouses; content deemed reliable but not guaranteed.
Who Sunbay Townhouses is best for.
Best for
- A buyer targeting Panama City who wants a townhouse footprint and is willing to get current pricing directly rather than from aggregate stats
- A seller with a unit in Sunbay who wants a broker to pull real comparables before setting a list price
- An investor comfortable doing property-level due diligence in a market with limited public listing detail
Probably not for
- A buyer who needs a published price range or amenity list before considering a community
- Someone set on a specific shared amenity package like a pool or clubhouse without confirmation it exists here
- A buyer or seller unwilling to work directly with a broker to fill the current data gap
The market around Sunbay Townhouses
Sunbay Townhouses is too small for its own price trend, so here is the market around it.
In ZIP 32404, 428 homes are on the market and 30% are under contract — a fast-moving corner of Panama City.
Across Bay County, 2,515 homes are active and 528 pending (17% under contract).
In ZIP 32404 (Panama City), 1,060 homes closed in the last 12 months at a median of $290K, down 3.3% year over year, with a median 58 days on market. Right now 391 active and 146 pending listings — a balanced market. See the live ZIP 32404 housing market and the Bay County market.
ZIP and county figures describe the wider market, not Sunbay Townhouses specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Sunbay Townhouses, 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 Sunbay Townhouses
Live MLS inventory for Sunbay Townhouses. 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 Sunbay Townhouses listings as of 2026-10-01, 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 Sunbay Townhouses Right Now (3)
All 3 active and pending Sunbay Townhouses listings with a detail page, newest first, refreshed twice a day from the MLS.
- 6087 E Highway 98, Panama City, Fl 32404 · $284,900 · 3 bd / 3 ba · listed Sep 24, 2026 · listed by ERA Neubauer Real Estate, Inc
- 6059 E Hwy 98 Bus, Panama City, Fl 32404 · $230,000 · 3 bd / 3 ba · listed Aug 19, 2026 · listed by Homes to Harbors
- 6083 E Highway 98, Panama City, Fl 32404 · $328,500 · 3 bd / 3 ba · pending · listed Jul 2, 2026 · listed by CENTURY 21 Commander Realty
Sunbay Townhouses 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, tiles © CARTO.
The Sunbay Townhouses buying strategy.
If we were buying in Sunbay Townhouses 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 Sunbay Townhouses.
What we can and can't say about Sunbay
Townhouse product in Bay County generally trades on unit condition, layout, and proximity to daily needs rather than on a shared amenity package, and Sunbay's current MLS record does not list community amenities, so any claim about pools, gates, or common areas here would be invented rather than sourced.
The same gap applies to pricing: there is no median, no range, and no closed-sale count in this snapshot to describe momentum one way or the other. A buyer or seller with real interest in Sunbay should treat this as a starting point for a direct listing pull, not a finished picture.
The location and the amenities are priced into every listing in Sunbay Townhouses. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
When a community's public data is this thin, the value of a local broker goes up, not down. Momentum can pull the current active and pending listings, verify what condition and pricing actually look like unit by unit, and tell you plainly whether Sunbay fits your budget and goals before you write an offer or set a list price.
Sunbay Townhouses in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $117/month (about $1,404/yr) · median of 50 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $117 per month ($1,404 a year) — the median AssociationFee across 50 MLS records, normalised to a monthly figure; most are billed quarterly. 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.
Tools for a Sunbay Townhouses 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 Sunbay Townhouses sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Sunbay Townhouses, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Sunbay Townhouses home worth?
Get a no-obligation home value based on real comparable sales in Sunbay Townhouses, 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 Sunbay Townhouses?
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: October 1, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2013 (10 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.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Sunbay Townhouses fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Sunbay Townhouses
Where is Sunbay Townhouses?
Sunbay Townhouses is a community in Panama City, Bay County, Florida, ZIP 32404.
Are there homes for sale in Sunbay Townhouses right now?
Yes — 1 active and 1 pending listings as of the last feed refresh (twice daily). They are listed on this page.
Does Sunbay Townhouses have an HOA or CDD?
No HOA is on record for Sunbay Townhouses 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.
Nearby Communities
Explore more neighborhoods near Sunbay Townhouses 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.