Top Of The Gulf
Condos for Sale in Panama City Beach, FL

Top Of The Gulf Condo market snapshot (as of September 20, 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).

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 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.

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.

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.

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.

Listings in this community report association dues of about $525 per month ($6,300 a year) — the median AssociationFee across 205 MLS records, normalised to a monthly figure; most are billed monthly. 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.