Tierra Verde
Homes for Sale in Panama City Beach, FL
All 731 homes for sale in Panama City Beach, FL · median $365,000 · 397 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, Tierra Verde in Panama City Beach, FL has 5 homes for sale, asking from $585,000 to $975,000 (median $625,000). 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 2003–2022; 5 of 5 report an HOA (median $146/mo); none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 21 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).
Last 30 days in Tierra Verde: 2 new listings (median asking $782,000). As of October 20, 2026, Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate.
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 2026-10-20, 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.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
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).
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· Updated October 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.
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.
CPAR sales records identify 12 homes in Tierra Verde that have changed hands since 2010, built between 2003 and 2023 (median 2004), with a median living area of about 2,582 sq ft and a typical 4-bedroom, 3-bath layout. Source: CPAR closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
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.
The setting & the homes.
Aerial and on-site photos of Tierra Verde. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Tierra Verde
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Tierra VerdePhotos from CPAR MLS listings in Tierra Verde; content deemed reliable but not guaranteed.
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.
16% of homes for sale in ZIP 32407 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 (2026-10-20).
Tierra Verde Market Scorecard
Tierra Verde is currently a buyer-leaning market. About 6.7 months of supply, a median asking price of $1,049,000, and homes go under contract in about 90 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: CPAR MLS, refreshed twice daily. 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 contributors.
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.
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.
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Recently off market in Tierra Verde
Homes in Tierra Verde that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 18 on record.
- 101 Madonna Boulevard · off market
- 110 Palo Verde Way · off market
- 1118 2Nd Avenue · off market
- 1136 3Rd Avenue · off market
- 1156 2Nd Avenue · off market
- 11914 Tierra Verde Court · off market
- 1363 Oceanview Drive · off market
- 140 Tierra Verde Way · off market
| Location | Panama City Beach, Bay County, FL · ZIP 32407 |
|---|---|
| Home types (current listings and sales) | singlefamilyresidence 100% |
| Sale prices, last 12 months | $605,000 median across 5 closed sales |
| Days on market (closed sales) | 71 median |
| For sale right now | 10 active, 2 pending · median asking $1,049,000 · 6.7 months of supply |
Data as of September 20, 2026. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Market figures describe homes, not residents. Cite as: Momentum Realty, “Tierra Verde key facts,” movewithmomentum.com/neighborhoods/tierra-verde, data as of September 20, 2026.
Housing distress & ownership in Tierra Verde, 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.
Just listed in Tierra Verde
The newest homes for sale in Tierra Verde right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 101 Tierra Verde Trail, Panama City Beach, FL 32407 $975,000 · 4 bd · 4 ba · 7 days on market Courtesy of Think Real Estate
- 104 Tierra Verde Trail, Panama City Beach, FL 32407 $589,000 · 4 bd · 3 ba · 10 days on market Courtesy of Counts Real Estate Group Inc
- 126 Tierra Verde Way, Panama City Beach, FL 32407 $874,900 · 6 bd · 4 ba · 90 days on market Courtesy of 1 Percent Lists Florida Coast
- 116 Tierra Verde Trail, Panama City Beach, FL 32407 $625,000 · 3 bd · 3 ba · 110 days on market Courtesy of Coldwell Banker Realty
- 113 Tierra Verde Trail, Panama City Beach, FL 32407 $585,000 · 3 bd · 3 ba · 176 days on market Courtesy of Coastal Living Realty & Associates
Checked against the MLS Oct 20, 2026. All new listings in this market.
Every Home for Sale in Tierra Verde Right Now (5)
All 5 active and pending Tierra Verde listings with a detail page, newest first, refreshed twice a day from the MLS.
- 101 Tierra Verde Trail, Panama City Beach, Fl 32407 · $975,000 · 4 bd / 4 ba · listed Oct 13, 2026 · listed by Think Real Estate
- 104 Tierra Verde Trail, Panama City Beach, Fl 32407 · $589,000 · 4 bd / 3 ba · listed Oct 4, 2026 · listed by Counts Real Estate Group Inc
- 126 Tierra Verde Way, Panama City Beach, Fl 32407 · $874,900 · 6 bd / 4 ba · listed Jul 22, 2026 · listed by 1 Percent Lists Florida Coast
- 116 Tierra Verde Trail, Panama City Beach, Fl 32407 · $625,000 · 3 bd / 3 ba · listed Jul 22, 2026 · listed by Coldwell Banker Realty
- 113 Tierra Verde Trail, Panama City Beach, Fl 32407 · $585,000 · 3 bd / 3 ba · listed Jul 22, 2026 · listed by Coastal Living Realty & Associates
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- ZIP 32407 housing scorecard
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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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What it really costs to own in Tierra Verde
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $6,116/yr across 10 listings here (MLS tax records, 2026-10-20). |
|---|---|
| HOA dues | MLS listings here mostly enter dues as billed annually, but the median entry is only $235/year across 28 listings (2026-10-20), which usually means a quarterly or monthly amount was entered as annual. Ask the association for the current dues. |
| Home and flood insurance | The average Citizens Property Insurance premium in Bay County is $1,928/yr (1,264 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 24 listing addresses checked against the FEMA flood map, 0% sit outside the high-risk zone and 100% inside one, where flood insurance is required with a federally backed mortgage. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2004 across 10 listings. An original roof here would be about 22 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Tierra Verde
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 Tierra Verde
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Tierra Verde will answer, and the answer is published on this page for the next buyer.
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?
Where is Tierra Verde, and what county is it in?
Is Tierra Verde a good place to live?
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 20, 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.
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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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More on Tierra Verde
- Home values · What homes in Tierra Verde actually sell for