Top Of The Gulf Condo
Condos for Sale in Panama City Beach, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via CPAR MLS
As of September 2026, Top Of The Gulf Condo in Panama City Beach, FL has 11 homes for sale, asking from $199,999 to $275,000 (median $239,000). Over the 12 months ending 2026-09-12, 14 recorded sales closed at a median of $219,950, a median 75 days on market, sellers accepting 92% of original asking (-2% versus the prior year). Homes listed or recently sold were built 1976–1976; 11 of 11 report an HOA (median $525/mo); 2 of the 10 geocoded homes sit in a FEMA special flood hazard zone (median elevation 13 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $2,700 ($2,220 with the full homestead exemption).
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 and pending Top Of The Gulf Condo listings as of 2026-09-12, 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.
Top Of The Gulf Condo right now
🟡 Off the recent peak. The trailing-12-month median ($220K) is down 2.0% from the prior 12 months ($224K) and up 316% since 2012. With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level CPAR MLS closed sales, 12-month windows ending September 12. Confidence: Low (14 and 4 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated September 12, 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
Top Of The Gulf Condo market snapshot (as of September 12, 2026): the median sale price is about $220K, and a median 76 days on market for closed sales. The trailing-12-month median is down 2% from the prior 12 months and up 316% since 2012, computed from record-level CPAR MLS closed sales (14 closings in the current window).
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.
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
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Top 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.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level CPAR MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($220K) IS the median in the snapshot above, and the move from 2025 ($224K) IS the -2.0% one-year change.
Windows contain 4 to 24 sales each (14 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.
Top Of The Gulf Condo Market Scorecard
Top Of The Gulf Condo is currently a thin data market. Limited supply, a median asking price of $239,000, and homes go under contract in about 96 days.
Typical home value in the 32408 ZIP is $370,292, about 2.6% above 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.
Housing distress & ownership in Top Of The Gulf Condo, 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.
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, tiles © CARTO.
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.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Top Of The Gulf Condo buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (6.7). Basis: Long-Term Appreciation +316% since 2012; Recent Direction -2.0% year-over-year; Pricing Power 92.0% sale-to-list. Refreshed with each data update.
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.
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 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.
What is your Top Of The Gulf Condo home worth?
Get a no-obligation home value based on real comparable sales in Top Of The Gulf Condo, 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 Top Of The Gulf Condo on the map →
Recently off market in Top Of The Gulf Condo
Homes in Top Of The Gulf Condo 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. 3 on record.
- 8817 S Thomas Drive 615 · off market
- 8817 S Thomas Drive A101 · off market
- 8817 S Thomas Drive A624 · off market
Frequently Asked Questions
What is the median home price in Top Of The Gulf Condo?
How long do homes in Top Of The Gulf Condo take to sell?
Have Top Of The Gulf Condo home prices gone up?
Who is the best real estate agent for Top Of The Gulf Condo?
How do I find a top Panama City Beach real estate agent who knows Top Of The Gulf Condo?
Can Momentum Realty connect me with an agent for Top Of The Gulf Condo?
Should you buy in Top Of The Gulf Condo?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Top Of The Gulf Condo with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 12, 2026 |
| Under-contract shares | CPAR MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2012 (222 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.
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See how Top Of The Gulf Condo fits the bigger picture — live prices, inventory, and Momentum Scores: