Treasure Island Resort
Condos for Sale in Panama City Beach, FL
All 726 homes for sale in Panama City Beach, FL · median $369,000 · 686 condos for sale in Panama City Beach · 364 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, Treasure Island Resort in Panama City Beach, FL has 1 home for sale. Over the 12 months ending 2026-11-11, 5 recorded sales closed at a median of $639,500, a median 107 days on market, sellers accepting 97% of original asking. Homes listed or recently sold were built 2005–2005; 3 of 3 report an HOA (median $859/mo); 1 of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 17 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $7,850 ($7,370 with the full homestead exemption).
Treasure Island Resort's pricing right now centers on a median of $597,000, and with days on market sitting at 107, this is not a community where listings move fast simply because they're priced well. Condition, updates, and positioning matter more here than in a faster-clearing market — buyers have room to be selective, and sellers who price against last year's assumptions will feel the drag.
The market heat score of 43 reflects that balance: neither a seller's sprint nor a buyer's free-for-all. Pricing has softened slightly year over year, but the long view from 2012 shows substantial cumulative gains, which tells you this is a community that has rewarded patience over any single cycle rather than any one season.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Treasure Island Resort right now
🔴 Seller-leaning market. 2.4 months of supply and 67% of the inventory already under contract give sellers the pressure advantage.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 November 11, 2026. Confidence: Medium (3 active and pending listings, 5 closed sales in 12 months).
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· Updated November 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
Treasure Island Resort market snapshot (as of November 11, 2026): the median sale price is about $640K, a median 107 days on market for closed sales, and 2.4 months of supply, a seller-leaning market.
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.
CPAR sales records identify 8 homes in Treasure Island Resort that have changed hands since 2026, built between 2005 and 2005 (median 2005), with a median living area of about 1,370 sq ft and a typical 2-bedroom, 2-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.
Treasure Island Resort sits in Panama City Beach, Bay County, with a limited number of recent closings — a market defined more by selective activity than volume.
The setting & the homes.
Aerial and on-site photos of Treasure Island Resort. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Treasure Island Resort
Treasure Island Resort
Treasure Island ResortPhotos from CPAR MLS listings in Treasure Island Resort; content deemed reliable but not guaranteed.
Who Treasure Island Resort is best for.
Best for
- Buyers focused on Panama City Beach who are prepared to wait through a longer marketing period for the right unit
- Sellers with a well-maintained property who can price realistically against a softened year-over-year trend
- Buyers or sellers comfortable working with a market that has limited recent transaction volume to benchmark against
Probably not for
- Buyers who need a fast, high-competition closing timeline
- Sellers expecting last cycle's pricing momentum to still be in effect
- Anyone relying on a large pool of recent comparable sales to validate an offer
Homes For Sale Right Now in Treasure Island Resort
Live MLS inventory for Treasure Island Resort. 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 · 527 daysTop listingActive and pending Treasure Island Resort listings as of 2026-11-11, 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.
Treasure Island Resort 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 Treasure Island Resort buying strategy.
If we were buying in Treasure Island Resort 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.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
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 Treasure Island Resort.
Reading the current cycle
With only 17 closings in the current window, this is a thin market to draw conclusions from, and that thinness is itself a data point: pricing conversations here happen deal by deal, not off a broad comparable set. The median of $597,000 is a useful anchor, but with so few transactions, the spread around that number likely reflects condition and specific unit characteristics more than a uniform market tier.
A year-over-year change of -2.1% is modest, not a signal of distress, and it lines up with a days-on-market figure over 100 — buyers are taking their time, and sellers are adjusting rather than holding firm on ambitious asks. The 149% change since 2012 is a long-run figure, not a projection, and should be read as history, not a promise about what comes next.
The location and the amenities are priced into every listing in Treasure Island Resort. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market with this few closings, pricing a listing or evaluating an offer requires pulling from more than the last comparable sale — we look at condition, timing, and the realistic pool of buyers actively watching this specific address, not just the county averages.
Treasure Island Resort in 15 seconds.
Tools for a Treasure Island Resort 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 Treasure Island Resort sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Treasure Island Resort, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Treasure Island Resort home worth?
Get a no-obligation home value based on real comparable sales in Treasure Island Resort, 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 all homes for sale in Panama City Beach →
Recently off market in Treasure Island Resort
Homes in Treasure Island Resort 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. 5 on record.
- 5004 Thomas Drive 1102 · off market
- 5004 Thomas Drive 1212 · off market
- 5004 Thomas Drive 1512 · off market
- 5004 Thomas Drive 1712 · off market
- 5004 Thomas Drive 311 · off market
| Location | Panama City Beach, Bay County, FL · ZIP 32408 |
|---|---|
| Sale prices, last 12 months | $639,500 median across 5 closed sales |
| Days on market (closed sales) | 107 median |
| For sale right now | 1 active, 2 pending · median asking $635,000 · 2.4 months of supply |
Data as of November 11, 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, “Treasure Island Resort key facts,” movewithmomentum.com/neighborhoods/treasure-island-resort, data as of November 11, 2026.
Housing distress & ownership in Treasure Island Resort, 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.
Every Home for Sale in Treasure Island Resort Right Now (3)
All 3 active and pending Treasure Island Resort listings with a detail page, newest first, refreshed twice a day from the MLS.
- 5004 Thomas Drive 1712, Panama City Beach, Fl 32408 · $869,000 · 3 bd / 2 ba · pending · listed Sep 11, 2026 · listed by Legacy Premier Agency
- 5004 Thomas Drive 1507, Panama City Beach, Fl 32408 · $635,000 · 2 bd / 2 ba · listed Aug 13, 2026 · listed by CENTURY 21 Ryan Realty Inc
- 5004 Thomas Drive 206, Panama City Beach, Fl 32408 · $579,000 · 2 bd / 2 ba · pending · listed Aug 13, 2026 · listed by Seltzer Real Estate, LLC
More Panama City Beach home searches
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- Panama City Beach home values: what is my house worth?
- ZIP 32408 housing scorecard
- 5 coming-soon communities in Bay County
Panama City Beach guides & data
- Market data
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- Flood zones
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Florida buyer guides
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- Florida property tax calculator
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- Florida flood insurance calculator
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10% of homes for sale in ZIP 32408 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 (2026-11-12).
What it really costs to own in Treasure Island Resort
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $779/month across 4 MLS listings (most billed quarterly; 2026-11-12). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| 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. |
| Roof and age | Median build year 2005 across 6 listings. An original roof here would be about 21 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 Treasure Island Resort
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 Treasure Island Resort Condos for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Treasure Island Resort Condos for Sale will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Treasure Island Resort?
How long do homes in Treasure Island Resort take to sell?
Is Treasure Island Resort a buyer's or seller's market right now?
Who is the best real estate agent for Treasure Island Resort?
How do I find a top Panama City Beach real estate agent who knows Treasure Island Resort?
Can Momentum Realty connect me with an agent for Treasure Island Resort?
Where is Treasure Island Resort, and what county is it in?
Is Treasure Island Resort a good place to live?
Should you buy in Treasure Island Resort?
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: November 11, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending November 11, 2026 |
| Under-contract shares | CPAR MLS records, as of 2026-11-11 |
| Historical depth | Closed-sale records back to 2026 (5 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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See how Treasure Island Resort fits the bigger picture — live prices, inventory, and Momentum Scores: