Ten Acre Addition
Homes for Sale in Panama City, FL
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of September 2026, Ten Acre Addition in Panama City, FL has 1 home for sale. As of September 2026, the MLS records 16 closed sales in Ten Acre Addition in Panama City, FL since 2013, the most recent in August 2026.
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.
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 Addition 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 Addition
Ten Acre Addition is too small for its own price trend, so here is the market around it.
In ZIP 32401, 147 homes are on the market and 14% are under contract — a slower corner of Panama City.
Across Bay County, 2,576 homes are active and 585 pending (18% under contract).
ZIP and county figures describe the wider market, not Ten Acre Addition specifically. Momentum Research analysis of MLS records.
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.
Ten Acre Addition Market Scorecard
Ten Acre Addition is currently a thin data market. Limited supply, a median asking price of $284,000, and homes go under contract in about 84 days.
Typical home value in the 32405 ZIP is $295,792, about 16.4% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in Ten Acre Addition
Live MLS inventory for Ten Acre Addition. 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 Ten Acre Addition listings as of 2026-09-06, 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 Ten Acre Addition buying strategy.
If we were buying in Ten Acre Addition 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 Addition.
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 Addition. 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 Addition 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 Addition 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 Addition 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 Addition, 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 Addition home worth?
Get a no-obligation home value based on real comparable sales in Ten Acre Addition, 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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Should you buy in Ten Acre Addition?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Ten Acre Addition with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: September 6, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-09-08 |
| 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.
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