Tierra Verde
Homes for Sale in Panama City Beach, FL
True comps, carrying-cost math, and listings before the portals.
As of October 2026, Tierra Verde in Panama City Beach, FL has 12 homes for sale and 1 pending, asking from $534,900 to $11,000,000 (median $1,094,000). Over the 12 months ending 2026-09-20, 5 recorded sales closed at a median of $605,000, a median 71 days on market, sellers accepting 96% of original asking. Homes listed or recently sold were built 1961–2010; 25 of 25 report an HOA (median $14/mo); 23 of the 23 geocoded homes sit in a FEMA special flood hazard zone (median elevation 7 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $7,430 ($6,940 with the full homestead exemption).
Homes For Sale Right Now in Tierra Verde
Live MLS inventory for Tierra Verde. 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 Tierra Verde 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.
Tierra Verde is a newer-construction pocket — homes here run from 2001 to 2023, but the median year built lands at 2022, meaning most of what changes hands is recent build, not legacy stock. That skews the median price to $600,000 and keeps it there; buyers are largely paying for current-code construction and larger footprints (median living space runs 2,834 square feet) rather than negotiating around deferred maintenance.
Median days on market sits at 120, which is a slow, deliberate pace — sellers here are not getting bid up quickly, and buyers who are patient and organized have room to negotiate on price or terms rather than compete on speed. With no community amenities identified in current MLS data, whatever draws a buyer to Tierra Verde is the home and lot itself, not a shared clubhouse or pool system.
Tierra Verde right now
🟢 Buyer-leaning market. 6.7 months of supply and 17% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of CPAR MLS records, as of September 20, 2026. Confidence: High (12 active and pending listings, 5 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 20, 2026 · Live data: CPAR MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Tierra Verde market snapshot (as of September 20, 2026): the median sale price is about $605K, a median 71 days on market for closed sales, and 6.7 months of supply, a buyer-leaning market.
Tierra Verde in Panama City Beach is a small, newer-construction community — 96 homes on record — built out mostly in the last several years rather than over decades, which keeps the housing stock unusually consistent in age and finish level.
Who Tierra Verde is best for.
Best for
- Buyers prioritizing newer construction and larger square footage over community amenities
- Buyers comfortable with a slower, more negotiable market pace rather than a bidding-war environment
- Buyers or investors interested in a mix of owner-occupied and non-homestead property in Panama City Beach
Probably not for
- Buyers who want an HOA-run amenity package as part of the purchase
- Sellers who need a fast close, given the 120-day median days-on-market
- Buyers seeking older, character-driven housing stock rather than post-2001 construction
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level CPAR MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($605K) IS the median in the snapshot above.
Windows contain 1 to 15 sales each (5 in the current window); every figure carries its sample size, and thin markets swing on single closings. 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 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.
8% of homes for sale in Tierra Verde are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-01).
Tierra Verde Market Scorecard
Tierra Verde is currently a buyer's market. About 6.9 months of supply, a median asking price of $1,099,000, and homes go under contract in about 98 days.
Typical home value in the 33715 ZIP is $463,818, about 11.1% 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.
Tierra Verde on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from CPAR MLS. Map data © OpenStreetMap, tiles © CARTO.
Schools
- Bay County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Gulfport Elementary-PN · Elementary
- Bay Point Middle-PN · Middle
- Lakewood High-PN · High
Zoned schools reflect the assignments reported on recent Tierra Verde listings and can change; always confirm with Bay County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Tierra Verde address.
The Tierra Verde buying strategy.
If we were buying in Tierra Verde 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 Tierra Verde.
New Construction, Quiet Pace
The year-built range of 2001 to 2023 sounds broad, but the median of 2022 tells the real story: the bulk of inventory is recent. That matters for a buyer weighing renovation risk against price — there is less of the older-roof, older-HVAC negotiation here than in a mixed-vintage neighborhood, and more of the priced-for-new-construction reality that comes with it.
A homestead share of roughly 59% suggests a majority of homes are owner-occupied primary residences, with a meaningful minority held as second homes or non-homestead property — worth knowing if you are trying to gauge how much of the community turns over as rentals or investment product versus owner-occupied housing. Combined with a 120-day median days-on-market, this reads as a community where inventory moves on its own timeline rather than under pressure.
The location and the amenities are priced into every listing in Tierra Verde. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
With only 96 homes in the community and no shared amenity package to compare against, pricing here comes down almost entirely to the individual property — lot, finish level, and build year. We track what is actually closing in Tierra Verde, not a broader Panama City Beach average, so you are not negotiating off a number that does not reflect this specific pocket of newer construction.
Tierra Verde 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 Tierra Verde 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 Tierra Verde sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Tierra Verde, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Tierra Verde home worth?
Get a no-obligation home value based on real comparable sales in Tierra Verde, 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 homes for sale in Tierra Verde on the map →
Frequently Asked Questions
What is the median home price in Tierra Verde?
How long do homes in Tierra Verde take to sell?
Is Tierra Verde a buyer's or seller's market right now?
Who is the best real estate agent for Tierra Verde?
How do I find a top Panama City Beach real estate agent who knows Tierra Verde?
Can Momentum Realty connect me with an agent for Tierra Verde?
Should you buy in Tierra Verde?
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) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (55 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 →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Tierra Verde fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Tierra Verde Homes for Sale in Panama City Beach, FL with Momentum Realty’s local guides.
