Ten Acre
Homes for Sale in Panama City, FL
All 255 homes for sale in Panama City, FL · median $349,000 · 119 homes for sale in 32401 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Ten Acre Addition is an older Panama City infill pocket, and the range tells the story: homes here date from 1900 to 2024, with a median year built of 1952. That spread means condition, not location, is usually what separates one listing from the next — a mid-century structure that has been updated top to bottom sits on the same block as one still carrying its original systems.
With 197 homes tracked and a homestead share of just 36.5%, a majority of the parcels here are not owner-occupied under homestead exemption, which points to a meaningful rental or investment presence mixed in with primary residences. Buyers should expect to evaluate each property on its own renovation history rather than assume neighborhood-wide consistency.
Nearby homes for sale
No active listings inside Ten AcreHomes for Sale in Panama City, FL right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Ten Acre Addition in Panama City (Bay County) is a long-established, small-footprint neighborhood — median living area runs about 1,371 square feet — where building age varies more than almost anything else about the property.
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 Ten Acre is best for.
Best for
- Buyers looking for an established Panama City infill location with compact, efficient home sizes.
- Investors comfortable underwriting older housing stock and mixed ownership patterns.
- Renovation-minded buyers who want to evaluate a legacy-era home on its individual merits.
Probably not for
- Buyers who want built-in community amenities as part of the purchase.
- Buyers seeking uniform, recently constructed homes throughout the neighborhood.
- Buyers who prefer not to research individual renovation history before making an offer.
The market around Ten Acre
Ten Acre 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 Ten Acre specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Ten Acre Addition, 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.
The Ten Acre buying strategy.
If we were buying in Ten Acre 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 Ten Acre.
A Neighborhood Defined by Vintage, Not Uniformity
The 1900–2024 year-built range in Ten Acre Addition is unusually wide for a community of only 197 homes, and the median year built of 1952 confirms this is a legacy area with a scattering of newer construction or rebuilds filled in over time. That combination means due diligence on any given home has to start with its actual renovation and permit history rather than a neighborhood-level assumption.
No community amenities are identified from current MLS listings, so this reads as a straightforward residential grid rather than an amenity-driven development. At a median of roughly 1,371 square feet of living space, homes here skew toward compact, efficient footprints typical of an older platted addition rather than larger modern builds.
The location and the amenities are priced into every listing in Ten Acre. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a neighborhood where a home built in 1900 can sit near one built in 2024, pricing and condition assessment take real local legwork — we walk the age spread and homestead data with you so you know what you are actually buying or listing, not just what the address implies.
Ten Acre in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
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 Ten Acre 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 Ten Acre sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Ten Acre, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Ten Acre home worth?
Get a no-obligation home value based on real comparable sales in Ten Acre, 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 Ten Acre?
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 17, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2013 (16 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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See how Ten Acre Addition fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Ten Acre
Where is Ten Acre?
Ten Acre is a community in Panama City, Bay County, Florida, ZIP 32401 / 32405.
Are there homes for sale in Ten Acre right now?
No active listings inside Ten Acre at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Ten Acre have an HOA or CDD?
No HOA is on record for Ten Acre 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 Ten Acre 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.