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Panama City Beach · Neighborhood

Palmetto Trace Homes for Sale

Recorded build years from 2002 through 2010 mark Palmetto Trace, a Panama City Beach neighborhood divided into six labeled phases that the 2026 Bay County roll files as 488 parcels, 478 of them single-family.

Updated

    Short-term rentals: not yet confirmed for this neighborhood.

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    Living in Palmetto Trace

    Listing records saved September 24, 2026 counted two active and 49 closed dwelling records for Palmetto Trace, with closings from May 5, 2016 through August 28, 2026. The two active homes describe that date only; the live results show current supply.

    Six labeled phases divide the 488 distinct parcels whose legal descriptions begin Palmetto Trace in Bay County's 2026 roll, as republished in the Florida statewide parcel layer: Phase 1 (140), Phase 2 (62), Phase 2A (8), Phase 2B (80), Phase III (85) and Phase IV (113). Of the 488, the roll classes 478 as single-family, eight as residential common area and two as vacant land that the City of Panama City Beach owns. Park Place holds 163 of the parcels, Bainbridge Street 83, Middleburg Drive 53 and Biltmore Place 50.

    Recorded years built for 479 parcels run from 2002 to 2010, and later phases were built later: Phase 1 and Phase 2 have middle years of 2003, Phase 2B and Phase III of 2005, and Phase IV of 2006.

    The eight common-area parcels are listed to three differently abbreviated owner names: Palmetto Trace Community Assoc, Palmetto Trace Comm Assoc Inc and Palmetto Trace Commun Assoc In. Spelling variants do not show whether one organization or several stand behind them; corporate records and the recorded declaration would.

    The county's map pages warn that their GIS data does not legally represent the features it depicts, so title, road rights, amenities and membership terms for an address rest on its recorded documents. Flood zone and insurance are left unaddressed here; the reading for a Palmetto Trace address comes from the FEMA flood-zone layer on the county map.

    HOA & Fees

    What is the HOA fee at Palmetto Trace?

    As of November 12, 2026, Palmetto Trace homes for sale that report a fee on the MLS list these HOA fees:

    • Single-family homes: $83 a month (1 listing)

    Fees vary by home type and section. Some homes also belong to a sub-association for their section, and a listing's fee may cover only one association, so confirm every association a home belongs to and what each one charges.

    Based on one active MLS listing that reports an HOA fee. Fees billed quarterly, twice a year or yearly are shown as a monthly equivalent.

    Live Inventory

    Homes for Sale in Palmetto Trace

    Price ReducedShort-Term Rental Eligible

    $450,000

    232 Middleburg Drive

    Panama City Beach, FL 32413

    3 bd 2 ba 1,990 sqft

    The short-term rental badge above is not a permission of record. It reflects the MLS short-term-rental field where a listing discloses one, and otherwise where the home sits. Confirm the association's current rules and the local registration requirement before relying on it.

    Local Answers

    Palmetto Trace FAQ

    How much is the HOA fee at Palmetto Trace?

    As of November 12, 2026, Palmetto Trace homes for sale that report a fee on the MLS list these HOA fees: single-family homes, $83 a month (1 listing). Fees vary by home type and section. Some homes also belong to a sub-association for their section, and a listing's fee may cover only one association, so confirm every association a home belongs to and what each one charges.

    How many parcels sit under the Palmetto Trace name on the county roll?

    488 distinct parcels in six phase labels: Phase 1 has 140, Phase 2 has 62, Phase 2A has 8, Phase 2B has 80, Phase III has 85 and Phase IV has 113. Single-family parcels number 478; common area makes up 8 and city-owned vacant land 2.

    How do recorded years differ from phase to phase?

    The roll records years for 479 parcels, 2002 through 2010. Phase 1 and Phase 2 have middle years of 2003, Phase 2A 2004, Phase 2B and Phase III 2005 and Phase IV 2006.

    What are the eight residential common-area parcels?

    Eight parcels filed under Palmetto Trace legal descriptions are classed as common area, listed to three differently abbreviated owner names. The spellings do not show whether one organization or three hold them; corporate records and the recorded declaration would.

    How far back do the 49 closed Palmetto Trace records reach?

    To May 5, 2016, with the latest closing on August 28, 2026, in listing records saved September 24, 2026. Sort by closing date and phase before choosing comparables; the two active records show only that date's supply.

    Which map should a buyer read for flood status at one Palmetto Trace address?

    Take the parcel number of the home you are considering through the county map to its FEMA flood-zone reading, and read the county hazard guidance beside it. The roll's 488 parcels are not assumed to share a result.

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