Top Of The Gulf
Condos for Sale in Panama City Beach, FL
All 725 homes for sale in Panama City Beach, FL · median $369,000 · 685 condos for sale in Panama City Beach · 362 homes for sale in 32408 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of November 2026, Top Of The Gulf Condo. in Panama City Beach, FL has 7 homes for sale, asking from $209,900 to $240,000 (median $236,000). Homes listed or recently sold were built 1976–1976; 7 of 7 report an HOA (median $525/mo); 1 of the 6 geocoded homes sit in a FEMA special flood hazard zone (median elevation 13 ft).
Last 30 days in Top Of The Gulf: 3 new listings (median asking $229,900). As of November 13, 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 Top Of The Gulf Condo
Live MLS inventory for Top Of The Gulf Condo. 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 · 34 daysTop listing
Active · 100 days
Active · 22 days
Active · 43 days
Active · 4 days
Active · 0 days
Active · 509 daysActive and pending Top Of The Gulf Condo listings as of 2026-11-13, 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.
Top Of The Gulf Condo. is pricing around $219,900 on the median, and with a market heat score of 28, this reads as a slow-moving, buyer-leaning market right now. A median of 66 days on market backs that up — these units are not moving in a rush, and sellers who price realistically from the start tend to fare better than those testing the top of the range.
The year-over-year figure is down 4.4%, which tells you this is a market absorbing softness rather than one still climbing. Zoom out, though, and the picture changes: values are up 316% since 2012, so the long arc here has been substantial even with a recent pullback. That combination — a soft near-term trend inside a strong long-term run — is exactly the kind of setup where entry timing matters more than headline hype.
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
Top Of The Gulf Condo. in Panama City Beach is a Bay County condo community currently showing a median price of $219,900, with only 13 closings in the recent window — a small enough sample that individual unit condition and view can swing outcomes more than broad market trend.
CPAR sales records identify 30 homes in Top Of The Gulf Condo that have changed hands since 2003, built between 1975 and 1976 (median 1976), with a median living area of about 489 sq ft and a typical 1-bedroom, 1-bath layout; 100% are condominiums. Source: CPAR closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
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.
The setting & the homes.
Aerial and on-site photos of Top Of The Gulf Condo. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Top Of The Gulf CondoTop Of The Gulf CondoTop Of The Gulf CondoTop Of The Gulf CondoTop Of The Gulf CondoTop Of The Gulf CondoTop Of The Gulf CondoPhotos from CPAR MLS listings in Top Of The Gulf Condo; content deemed reliable but not guaranteed.
Who Top Of The Gulf Condo is best for.
Best for
- A buyer targeting a purchase near the current median price who has flexibility on timeline.
- Someone comfortable doing independent due diligence on HOA terms and building amenities rather than relying on listing summaries.
- A buyer or investor taking a long-term view, given the substantial price growth since 2012 despite the recent year-over-year dip.
Probably not for
- Anyone who needs a fast closing in a high-competition, low-inventory market — the current pace here runs slower.
- A buyer who wants confirmed on-site amenities locked in before making an offer.
- Someone relying solely on short-term price momentum, given the current -4.4% year-over-year trend.
The market around Top Of The Gulf Condo
Top Of The Gulf Condo is too small for its own price trend, so here is the market around it.
In ZIP 32408, 684 homes are on the market and 10% are under contract — a slower corner of Panama City Beach.
Across Bay County, 2,406 homes are active and 434 pending (15% under contract).
In ZIP 32408 (Panama City Beach), 205 homes closed in the last 12 months at a median of $385K, with a median 83 days on market. Right now 389 active and 47 pending listings put supply at about 22.8 months — a soft market. See the live ZIP 32408 housing market and the Bay County market.
ZIP and county figures describe the wider market, not Top Of The Gulf Condo specifically. Momentum Research analysis of MLS records.
Top Of The Gulf Condo 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 Top Of The Gulf Condo buying strategy.
If we were buying in Top Of The Gulf Condo 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 Top Of The Gulf Condo.
A market defined by patience, not urgency
With a median of 66 days on market and a heat score of 28, this is not a competitive-offer environment. Buyers here have room to negotiate, request inspections without rushing, and walk away from a listing that does not check the boxes. Sellers should expect that a well-priced, well-presented unit still needs weeks, not days, to find its buyer.
The 13 closings in the current window is a modest count, which means pricing conclusions should be read as directional rather than precise. The -4.4% year-over-year shift is worth taking seriously as a signal of near-term softening, but it sits against a 316% increase since 2012 — a reminder that this community's value story has been built over a long stretch, not a single cycle. No community amenities are currently identified from active MLS listings, so buyers evaluating this property should confirm building-specific features and any HOA-covered amenities directly rather than assuming them from the community name.
The location and the amenities are priced into every listing in Top Of The Gulf Condo. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market with a small closings count and no amenities data readily surfaced in the MLS, the details that matter — unit condition, HOA terms, actual building features — take real digging. We pull that information directly rather than relying on listing headlines, and we help you read a 66-day median and a soft year-over-year trend for what they actually mean for your offer or your asking price.
Top Of The Gulf Condo in 15 seconds.
Tools for a Top Of The Gulf Condo 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 Top Of The Gulf Condo sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Top Of The Gulf Condo, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
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Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: November 13, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-11-11 |
| Historical depth | Closed-sale records back to 2026 (2 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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