Water Oak Plantation
Homes for Sale in Lynn Haven, FL
True comps, carrying-cost math, and listings before the portals.
Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $394,000, a median 56 days on market, sellers accepting 91% of original asking. At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $4,840 ($4,350 with the full homestead exemption).
| Location | Lynn Haven, Bay County, FL · ZIP 32404, 32405, 32444 |
|---|---|
| Sale prices, last 12 months | $394,000 median across 3 closed sales |
| Days on market (closed sales) | 56 median |
| For sale right now | 0 active, 0 pending |
Data as of September 20, 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, “Water Oak Plantation key facts,” movewithmomentum.com/neighborhoods/water-oak-plantation, data as of September 20, 2026.
Water Oak Plantation is a thin-data read right now. Our snapshot shows only two closings in the current window, which is not enough activity to draw a reliable line on pricing or pace — any median or trend claim from a sample that small would be more noise than signal, so we are not going to manufacture one.
For a buyer or seller, that means the community has to be evaluated house by house rather than against a market curve. Pull the comps at the time you are ready to act, expect the agent representing you to walk the specific listing history for that address, and treat any broad statistic about this neighborhood with real skepticism until volume picks up.
Nearby homes for sale
No active listings inside Water Oak PlantationHomes for Sale in Lynn Haven, FL right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Water Oak Plantation market snapshot (as of September 20, 2026): the median sale price is about $394K, and a median 56 days on market for closed sales.
In ZIP 32404 (Lynn Haven), 1,060 homes closed in the last 12 months at a median of $290K, down 3.3% year over year, with a median 58 days on market. Right now 391 active and 146 pending listings — a balanced market. See the live ZIP 32404 housing market and the Bay County market.
Water Oak Plantation sits in Lynn Haven, Bay County, and current MLS activity here is limited enough that we are working from a small, recent sample rather than an established trend line.
Who Water Oak Plantation is best for.
Best for
- A buyer targeting a specific home in Lynn Haven, Bay County, rather than shopping the neighborhood broadly
- A seller comfortable pricing off individual comps and current listing conditions instead of a neighborhood-wide trend
- A buyer or investor willing to independently verify amenities, HOA terms, and lot specifics before committing
Probably not for
- A buyer who wants a confirmed amenity package (pool, clubhouse, common areas) before touring
- Someone who needs a strong recent-sales trend to justify an offer price
- A buyer unwilling to do extra due diligence in a community with limited current MLS activity
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level CPAR MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($394K) IS the median in the snapshot above.
Windows contain 0 to 11 sales each (3 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.
30% of homes for sale in ZIP 32404 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 (2026-09-20).
Water Oak Plantation Market Scorecard
Water Oak Plantation is currently a balanced market..
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: CPAR MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Water Oak Plantation, Lynn Haven
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.
The Water Oak Plantation buying strategy.
If we were buying in Water Oak Plantation 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 Water Oak Plantation.
A community with too few data points to trend
With just two closings recorded in the current window, Water Oak Plantation does not yet have the transaction volume to support a meaningful price trend, days-on-market pattern, or absorption read. That is a data limitation, not necessarily a reflection of the community itself — some neighborhoods simply see fewer sales in any given stretch.
No community amenities are identified in the current MLS listings for Water Oak Plantation. That does not mean none exist; it means the listing data we are pulling from does not surface them, so verifying what is actually on the ground — any shared spaces, common areas, or association-maintained features — is a step worth taking directly rather than assuming from marketing copy.
The location and the amenities are priced into every listing in Water Oak Plantation. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with this little recorded transaction volume, the value we add is diligence rather than a canned market narrative. We pull the actual listing and closing history for the specific address, verify amenity and association details directly instead of repeating unconfirmed listing text, and tell you plainly when the data is too thin to support a confident call.
Water Oak Plantation 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 Water Oak Plantation 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 Water Oak Plantation sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Water Oak Plantation, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Water Oak Plantation home worth?
Get a no-obligation home value based on real comparable sales in Water Oak Plantation, 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 Water Oak Plantation on the map →
Recently off market in Water Oak Plantation
Homes in Water Oak Plantation 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. 1 on record.
- 1524 Wateroak Drive · off market
Frequently Asked Questions
What is the median home price in Water Oak Plantation?
How long do homes in Water Oak Plantation take to sell?
Who is the best real estate agent for Water Oak Plantation?
How do I find a top Lynn Haven real estate agent who knows Water Oak Plantation?
Can Momentum Realty connect me with an agent for Water Oak Plantation?
Where is Water Oak Plantation, and what county is it in?
Should you buy in Water Oak Plantation?
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: September 17, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2014 (45 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.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Water Oak Plantation fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Water Oak Plantation
- Home values · What homes in Water Oak Plantation actually sell for
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