Treasure Island Resort
Homes for Sale in Panama City Beach, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via cpar
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.
Treasure Island Resort right now
🟡 Off the recent peak. The trailing-12-month median ($597K) is down 2.1% from the prior 12 months ($610K) and up 149% 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 closed sales, 12-month windows ending July 28. Confidence: Medium (17 and 7 sales in the two windows).
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Updated July 28, 2026 · Live data: cpar, 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 July 28, 2026): the median sale price is about $597K, and a median 107 days on market for closed sales. The trailing-12-month median is down 2% from the prior 12 months and up 149% since 2012, computed from record-level cpar closed sales (17 closings in the current window).
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 Resort
Treasure Island Resort
Treasure Island ResortPhotos from cpar 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
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 28 of each year, from record-level cpar closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($597K) IS the median in the snapshot above, and the move from 2025 ($610K) IS the -2.1% one-year change.
Windows contain 2 to 37 sales each (17 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 Pinellas 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 · Pinellas 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.
9% 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 (2026-08-18).
Treasure Island Resort Market Scorecard
Treasure Island Resort is currently a balanced market., and homes go under contract in about 156 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: cpar, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
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.
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 and pending Treasure Island Resort listings as of 2026-08-17, 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. Map data © OpenStreetMap, tiles © CARTO.
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.
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 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.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Treasure Island Resort 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 (7.2). Basis: Long-Term Appreciation +149% since 2012; Recent Direction -2.1% year-over-year; Pricing Power 95.5% sale-to-list. Refreshed with each data update.
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.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- 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 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 homes for sale in Treasure Island Resort on the map →
Frequently Asked Questions
What is the median home price in Treasure Island Resort?
How long do homes in Treasure Island Resort take to sell?
Do cash buyers compete in Treasure Island Resort?
Have Treasure Island Resort home prices gone up?
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?
Should you buy in Treasure Island Resort?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Treasure Island Resort with Momentum Realty’s local guides.
Data sources & freshness
| Community market stats | cpar closed sales, 12-month windows ending July 28, 2026 |
| Historical depth | Closed-sale records back to 2012 (212 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 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 member average and 8 days faster, and we’ll price yours against live your area comps.
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See how Treasure Island Resort fits the bigger picture — live prices, inventory, and Momentum Scores: