Ten Acre Terrace
Homes for Sale in Panama City, FL
All 257 homes for sale in Panama City, FL · median $349,000 · 114 homes for sale in 32405 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of October 2026, Ten Acre Terrace in Panama City, FL has 1 home for sale. As of October 2026, the MLS records 15 closed sales in Ten Acre Terrace in Panama City, FL since 2018, the most recent in August 2024.
There is no closed-sale activity in the current MLS window for Ten Acre Terrace, which means we do not have a median price or a pace-of-market figure to point to right now. That is not unusual for a smaller or lower-turnover pocket of Bay County, but it does mean anyone evaluating this community needs to lean on a direct comparable pull and a walk of the immediate area rather than a headline stat.
Practically, that puts the burden on due diligence rather than on trend-reading. A buyer or seller here should expect the conversation to start with recent activity in the surrounding area and the condition of the specific property, not with a community-wide number, because as of this snapshot there isn't one to lean on.
The 60-Second Overview
Ten Acre Terrace sits in Panama City, Bay County, and the current MLS feed shows no closed transactions in this window, so this is a community best evaluated property-by-property rather than by aggregate market data.
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 Terrace is best for.
Best for
- A buyer with a specific property already in mind who wants direct verification rather than market averages
- A seller comfortable pricing off individual comparables rather than a published community median
- A buyer or investor who does not need amenity-driven decision points and is focused on the property itself
Probably not for
- A buyer who wants to compare this community's pricing trend against others before deciding where to shop
- Someone specifically hunting for confirmed on-site amenities like a pool or clubhouse
- A buyer who needs recent closed-sale data to gauge fair offer price before writing a contract
The market around Ten Acre Terrace
Ten Acre Terrace is too small for its own price trend, so here is the market around it.
In ZIP 32405, 163 homes are on the market and 23% are under contract — a steady corner of Panama City.
Across Bay County, 2,515 homes are active and 528 pending (17% under contract).
In ZIP 32405 (Panama City), 697 homes closed in the last 12 months at a median of $280K, down 6.8% year over year, with a median 56 days on market. Right now 202 active and 86 pending listings — a balanced market. See the live ZIP 32405 housing market and the Bay County market.
ZIP and county figures describe the wider market, not Ten Acre Terrace specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Ten Acre Terrace, 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 Ten Acre Terrace
Live MLS inventory for Ten Acre Terrace. 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 Terrace 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 Ten Acre Terrace Right Now (1)
All 1 active and pending Ten Acre Terrace listings with a detail page, newest first, refreshed twice a day from the MLS.
- 3334 Ten Acre Road, Panama City, Fl 32405 · $299,999 · 4 bd / 2 ba · listed Jul 2, 2026 · listed by Beachy Beach Real Estate
The Ten Acre Terrace buying strategy.
If we were buying in Ten Acre Terrace 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 Terrace.
A market with no current print
When a community shows zero closings in the tracked window, it usually means one of two things: very low turnover, or a small enough footprint that sales simply haven't landed inside the reporting period. Either way, the honest move is to say so rather than to paper over it with a borrowed number from a neighboring area.
No community amenities have been identified from current MLS listings either, which means any amenity claims for Ten Acre Terrace would need to come from a specific listing or a direct site visit, not from a blanket description. That is the level of caution this snapshot calls for.
The location and the amenities are priced into every listing in Ten Acre Terrace. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with no current closed-sale data and no confirmed amenity set, the value we add is not a market summary, it is legwork: pulling the actual comparable sales in the surrounding Panama City area, verifying lot and property specifics directly, and making sure you are pricing or offering against real information rather than an assumption.
Ten Acre Terrace 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 Terrace 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 Terrace 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 Terrace, 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 Terrace home worth?
Get a no-obligation home value based on real comparable sales in Ten Acre Terrace, 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 Terrace?
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 2018 (15 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 Ten Acre Terrace fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Ten Acre Terrace
Where is Ten Acre Terrace?
Ten Acre Terrace is a community in Panama City, Bay County, Florida, ZIP 32405.
Are there homes for sale in Ten Acre Terrace right now?
Yes — 1 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.
Does Ten Acre Terrace have an HOA or CDD?
No HOA is on record for Ten Acre Terrace 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 Terrace 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.