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Ten Acre Terrace in Panama City

Ten Acre Terrace
Homes for Sale in Panama City, FL

By , Co-Founder, Momentum Realty · Updated October 20, 2026

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All 245 homes for sale in Panama City, FL · median $349,900 · 118 homes for sale in 32405 · Bay County homes for sale

Community in Panama City · Bay County · ZIP 32405
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True comps, carrying-cost math, and listings before the portals.

Photo via CPAR MLS

Built fromLive CPAR MLS data8 years of closingsUpdated twice daily

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.

Live · Ten Acre Terrace 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: 17% (528 of 3,043)
1 · 0
For sale · pending
live counts, refreshed twice daily
Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written July 28, 2026

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.

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

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.

Quick Match

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 Area Market

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.

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.

Pending · 517 days
$299,999
4 bd · 2 ba · built 2018
3334 Ten Acre Road, Panama City, FL 32405, Panama City, 32405
Listed by Beachy Beach Real Estate

Active and pending Ten Acre Terrace listings as of 2026-10-19, 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 Strategy

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.

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 Ten Acre Terrace.

The Quick Decision
Best Buy
A buyer or seller who wants a direct, comp-driven read rather than a community-wide trend line.
Biggest Risk
The lack of closed sales in this window means no median price or pace figure currently exists for the community.
Sweet Spot
Works best for someone already focused on a specific property here and ready to verify details directly.
Avoid If
Skip it for now if you need market-trend data to make a timing decision, since none is currently available.
The Deep Dive

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.

Jon Brooks · Founder, Momentum Realty
Why Momentum

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.

The 15-Second Verdict

Ten Acre Terrace in 15 seconds.

Best forA buyer or seller who wants a direct, comp-driven read rather than a community-wide trend line.
Biggest advantagePanama City location in Bay County with no aggregated market noise to wade through.
Biggest riskThe lack of closed sales in this window means no median price or pace figure currently exists for the community.
Sweet spotWorks best for someone already focused on a specific property here and ready to verify details directly.
Avoid ifSkip it for now if you need market-trend data to make a timing decision, since none is currently available.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Ten Acre Terrace homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Ten Acre Terrace.
In short
  • 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.

Run Your Numbers

Tools for a Ten Acre Terrace buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxBay County millage and the homestead picture.Rent vs buyThe breakeven on owning in Ten Acre Terrace.Save Our HomesProject your homestead tax cap over time.
The takeaway

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.

Selling in Ten Acre Terrace

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 →

Real comps, not an automated estimate.
The Verdict

Should you buy in Ten Acre Terrace?

An honest fit check. We will tell you when it is not your community.

A buyer with a specific property already in mind who wants direct verification rather than market averagesExcellent fit
A seller comfortable pricing off individual comparables rather than a published community medianExcellent fit
A buyer or investor who does not need amenity-driven decision points and is focused on the property itselfExcellent fit
A buyer who wants to compare this community's pricing trend against others before deciding where to shopProbably not
Someone specifically hunting for confirmed on-site amenities like a pool or clubhouseProbably not
A buyer who needs recent closed-sale data to gauge fair offer price before writing a contractProbably not

Data sources & freshness

Live listingsCPAR MLS, refreshed twice daily (last: October 19, 2026)
Under-contract sharesCPAR MLS records, as of 2026-09-20
Historical depthClosed-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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Email me new listings in Ten Acre Terrace

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 Ten Acre Terrace

Have a question about the homes, fees, rules or commute here? A Momentum agent who works Ten Acre Terrace 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.

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.

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.

Active inventory in distress
0.0%
0 of 12 listings
Distress share trend — 0.0% now (2026-09-14 → 2026-10-14)

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 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.

Nearby Communities

Explore more neighborhoods near Ten Acre Terrace with Momentum Realty’s local guides.

Lane Mobile Home Estates U0.3 mi awayHiland Heights0.3 mi away · median $255K, 3 sales/12 moDouglas Road0.4 mi away · 1 for saleNowell Court0.4 mi away · 10 homes, built 2005–05, 1 for salePine Wood Grove0.5 mi away · median $240K, 3 sales/12 moBrentwoods0.5 mi awayPinewood Grove0.6 mi awayAvondale Estates0.6 mi away · median $257K, 4 sales/12 mo

Browse all neighborhood guides →

Thinking of selling in Ten Acre Terrace? See the Bay County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.
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