The Moorings
Homes for Sale in Panama City Beach, FL
All 725 homes for sale in Panama City Beach, FL · median $368,500 · 404 homes for sale in 32407 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of October 2026, The Moorings in Panama City Beach, FL has 1 home for sale. As of October 2026, the MLS records 14 closed sales in The Moorings in Panama City Beach, FL since 2012, the most recent in April 2026. Across Panama City Beach as a whole, 18 homes closed in the last 12 months at a median of $425,000, 76 median days on market, with 4 homes for sale today. At that median and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $5,220 ($4,730 with the full homestead exemption).
The Moorings shows very little recent transaction activity in the MLS feed we track, with only a couple of closings in the current window. That thin a sample means there is no reliable read on price per square foot or typical days on market here right now — any number small enough to quote would be more noise than signal.
For a buyer or seller, that translates into a straightforward posture: pricing has to be built from comparable sales outside the immediate community, and negotiation leverage will hinge more on the condition and specifics of the individual home than on a community-wide trend line. This is not a market where you can lean on recent closed comps inside the neighborhood.
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
The Moorings sits in Panama City Beach, Bay County, and current MLS data shows minimal closed activity, with no community amenities identified in the listings we have access to.
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 The Moorings is best for.
Best for
- Buyers focused on a particular property in Panama City Beach who are willing to price it using broader area comps
- Buyers who plan to verify amenities and fees directly rather than rely on listing summaries
- Buyers comfortable moving without a deep well of recent in-community closed sales to reference
Probably not for
- Buyers who want a clear, community-specific price trend before making an offer
- Buyers who need confirmed on-site amenities as a deciding factor
- Buyers uncomfortable with the added diligence a low-data-volume community requires
The market around The Moorings
The Moorings is too small for its own price trend, so here is the market around it.
In ZIP 32407, 488 homes are on the market and 14% are under contract — a slower corner of Panama City Beach.
Across Bay County, 2,515 homes are active and 528 pending (17% under contract).
In ZIP 32407 (Panama City Beach), 1,458 homes closed in the last 12 months at a median of $398K ($183/sq ft), down 1.6% year over year, with a median 80 days on market. Right now 1,101 active and 151 pending listings put supply at about 6.7 months — a buyer's market. See the live ZIP 32407 housing market and the Bay County market.
ZIP and county figures describe the wider market, not The Moorings specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in The Moorings
Live MLS inventory for The Moorings. 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 The Moorings 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 The Moorings buying strategy.
If we were buying in The Moorings 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 The Moorings.
A quiet data footprint
With only a couple of closings feeding the current snapshot, The Moorings does not generate the kind of statistical picture we can build for higher-volume communities. That is not a red flag on its own — some communities simply turn over slowly — but it does mean anyone evaluating a purchase or listing here should treat the broader Panama City Beach and Bay County market as the primary pricing reference, not the community in isolation.
No community amenities are identified in the current MLS listings for The Moorings. That could mean the community itself does not carry shared amenities, or it could mean amenity data simply is not being populated consistently in listing sheets. Either way, verify amenities and any associated fees directly rather than assuming based on the name or area.
The location and the amenities are priced into every listing in The Moorings. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with this little closed-sale data, the value we add is in pulling the right comparable set from outside the immediate boundary and pressure-testing list price against actual, verifiable sales rather than assumption. We will also chase down amenity and fee details directly rather than leave you guessing.
The Moorings in 15 seconds.
Email me new listings in The MooringsHomes for Sale
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.
Ask an agent about The MooringsHomes for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works The MooringsHomes for Sale will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $526/month (about $6,312/yr) · median of 45 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $526 per month ($6,312 a year) — the median AssociationFee across 45 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 The Moorings 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 The Moorings sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in The Moorings, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your The Moorings home worth?
Get a no-obligation home value based on real comparable sales in The Moorings, 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 Beach →
Should you buy in The Moorings?
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 19, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (14 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.
Recent Developments in The Moorings Bay
Development, infrastructure, retail, and school activity affecting The Moorings Bay, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- September 2026Retail & Dining
Panama City meets Houston developer interested in part of Panama City Mall site
Panama City officials met a Houston developer interested in buying a portion of the largely vacant Panama City Mall, owned by Hendon Properties, with a retail focus. Discussions covered rezoning, possible CRA participation and plan submittal. The mayor called the FDOT US 231 widening, planned to six lanes from US 98 to SR 20, the biggest holdup.
What it may mean for the marketPossible retail redevelopment of a large vacant site could add shopping options near the US 231 corridor, with timing tied to road widening and rezoning. The project is about 10 miles east of The Moorings Bay, elsewhere in Bay County.
Source: WJHG - September 2026Development
Panama City Beach council upholds approval of Palmhaven development on Front Beach Road
The Panama City Beach City Council voted to uphold the Planning Board approval of Palmhaven, about 160 homes by Fischer Homes at 12610 Front Beach Road, with added conditions. The developer must build a multi-use trail, public park area and 40 public golf cart parking spaces, and a final development order is required before construction.
What it may mean for the marketAdds roughly 160 homes of new housing supply on the west Front Beach Road corridor, along with a new public park, trail and parking amenities. The site is about 2 miles southeast of The Moorings Bay.
Source: WJHG - August 2026Infrastructure
HCA Florida Gulf Coast Hospital announces $125 million expansion
HCA Florida Gulf Coast Hospital announced a $125 million expansion on its 23rd Street campus, including a new patient tower with 34 additional beds, a 16-bed orthopedic and spine unit, a fourth cath lab, an expanded women's center and a 5,000-square-foot outpatient entrance expansion. The project is in design, with construction of 24 to 36 months and completion targeted for 2029.
What it may mean for the marketAdded hospital capacity and specialty services would improve local healthcare access and add medical-sector employment along the 23rd Street corridor. The site is about 9 miles east of The Moorings Bay.
Source: WJHG - July 2026Parks & Amenities
Panama City Beach approves $1.25 million to rehabilitate Conservation Park boardwalks
The Panama City Beach city council approved a budget of $1.25 million to rehabilitate more than one mile of boardwalks at Conservation Park. The funding covers rehabilitation of the park's boardwalk system.
What it may mean for the marketInvestment in Conservation Park boardwalks upgrades a recreational amenity in Panama City Beach. The project is about 8 miles northwest of The Moorings Bay, elsewhere in Bay County.
Source: WJHG News Channel 7 - July 2026Civic
Panama City approves 12-month moratorium on AI data centers
Panama City commissioners unanimously approved a 12-month pause on AI data centers in certain areas, following a six-month restriction adopted by Bay County the prior week. The city said it will use the period to study data center operations and revisit how they fit into local zoning and land-use rules.
What it may mean for the marketA temporary pause shapes where data centers can locate while the city reviews zoning and land-use standards. The project is about 10 miles east of The Moorings Bay, elsewhere in Bay County.
Source: WJHG News Channel 7 - June 2026Infrastructure
Panama City moves downtown marina slip construction to bid, ends City Marina Partners deal
Panama City put the first 50 boat slips at the Downtown Marina out for contractor bids, with construction expected to begin shortly after a contract is awarded and the bid window closing June 16. Commissioners also ended their working relationship with City Marina Partners and budgeted payment for work already completed.
What it may mean for the marketProgress on downtown marina slip construction advances waterfront infrastructure in the Panama City core. The project is about 10 miles east of The Moorings Bay, elsewhere in Bay County.
Source: WJHG News Channel 7
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
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See how The Moorings fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about The Moorings
Where is The Moorings?
The Moorings is a community in Panama City Beach, Bay County, Florida, ZIP 32407.
Are there homes for sale in The Moorings right now?
Yes — 1 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.
Does The Moorings have an HOA or CDD?
No HOA is on record for The Moorings 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 The Moorings, Panama City Beach
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.
Every Home for Sale in The Moorings Bay Right Now (1)
All 1 active and pending The Moorings Bay listings with a detail page, newest first, refreshed twice a day from the MLS.
- 425 Bay Shore Drive 11, Panama City Beach, Fl 32407 · $755,000 · 2 bd / 2 ba · listed by Corcoran Reverie
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Panama City Beach guides & data
- Market data
- Best neighborhoods (ranked by data)
- Flood zones
- Home insurance cost
- New construction
- ZIP codes
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
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Nearby Communities
Explore more neighborhoods near The Moorings 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.