2824 Winners Circle Dr · Navarre, FL 32566

$339,000

4 bd · 2.0 ba · 1,839 sqft · SingleFamily public records · 67 Days on market

Built 1993 0.34 ac lot Est $432k · 22% under

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Why this score? — see what drove the D+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• ARV discount +15.0/15.0
• Cash flow +13.0/30.0
• Schools +5.3/10.0
• DSCR +3.9/10.0
• Livability +3.5/5.0
• Rent growth +3.2/5.0
• 1% rule +2.6/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

NO HOA!!!PRICE REDUCED!!! Navarre All Brick 4 BDR/2 BTH Home!Quiet Cul-de-sac Neighborhood- All Newly Painted rooms & Cabinetry & New Blinds throughout- Popular Split-floor plan containing high vaulted ceilings- New Wood Laminate Flooring-Tile Floors in kitchen,Baths,& Laundry- Eat-In Kitchen boasts=island, New GE Stove/Range Top, Faucet & Pendant Lighting-Kenmore Dishwasher & Refrigerator-New & spacious Walk-In Pantry- Open to expansive Family Great Room including a corner Wood Burning Fireplace which has a new chimney & Roof replaced 2005- Inviting spacious Master Suite/Master Bath with tile floors, His/Her Closets and center Garden Tub with Double Vanity- Extra Large Sunroom at Back with Tile floors- open to Privacy Fenced backyard oasis with hand laid firepit. 2 Car garage has extra wooden shelving which conveys -Laundry Room between Kitchen to garage- Breaker Box in Laundry Room- HVAC has new Coils, Unit replaced 2013- New Water Heater 2013-Washer & Dryer Do NOT convey! 1 yr home warranty provided

Key facts

• Split-floor plan
• Screened patio room
• Great room

Tags

• NEW ROOF
• SCREENED PATIO ROOM
• SPLIT-FLOOR PLAN
• ISLAND
• WALK-IN PANTRY
• GREAT ROOM

Property features AI

Finance

• Financial info: Accepts Conventional, FHA, RHS, and VA financing

Exterior

• Parking: Attached garage; Garage (2 spaces)
• Utilities: Electric service; Phone available; Public water; TV cable
• Home design: Detached single-family home; Residential property; Construction complete; County road frontage; Zoned for single-family residential
• Construction: Built in 1993; Brick, frame, and vinyl trim construction
• Exterior features: Fenced back yard; Lawn pump; Cul-de-sac lot; Interior lot

Interior

• Kitchen: Cooktop; Range hood; Stove/oven (electric); Refrigerator; Dishwasher
• Bedrooms: 4 bedrooms
• Bathrooms: 2 full bathrooms
• Heating & cooling: Has heating; Has cooling
• Interior features: Single-story layout; Smoke detector
• Laundry & utility: Auto garage door opener

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $339k.

Deal economics

• At list price, monthly cash flow is $-17 ($-208/yr) — negative.
• To cash-flow at today's rent, offer at most $336k (0.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $259k (23.5% below list).
• Recommended offer: $259k (23.5% below list) — sets the bar for 1% rule.
• Cap rate 6.2% vs local median 4.1% in Navarre — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 70/100 on livability (#435 in FL) — a middle-class / working-renter tenant base. Strengths: housing A+, employment A, crime A-; Watch: health & safety C-, amenities F, commute F.
• Santa Rosa (suburban): math 63% / reading 60% proficiency, ranked #8 of 73 in FL (top 11%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: West Navarre Primary School (723 students, 39% FRL); Woodlawn Beach Middle School (math 68% / reading 60%, grade B+, #105 of 571 statewide, top 19%, 948 students, 34% FRL); Navarre High School (math 49% / reading 58%, grade C-, #146 of 667 statewide, top 22%, 2,406 students, 30% FRL) — zoned schools at 34% FRL track the district average.
• Market conditions: Rents rising (+2.7%/yr); 769 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,983 units permitted in Santa Rosa County in 2024 (128 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
• Santa Rosa County population projected at +31% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 67 days — a 6% lower offer ($319k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 29y ago; this cycle's ask has dropped $30k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $195k; list at $339k implies a 74% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $259,321 (23.5% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 67 days. Have you received any prior offers? Is the seller open to a 24% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.76% ✗
• Cap rate: 6.23%
• Cash-on-cash: -0.22%
• DSCR: 0.99
• GRM: 10.9

CMA / ARV

• ARV (on-the-fly): $432,165
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2989 Via Conquistadores	0.30mi	4/2.0	1,935 (+5%)	3mo	$421,000	$218	75
6814 Avenida De Galvez	0.30mi	3/2.0 (-1)	1,962 (+7%)	2mo	$359,900	$183	68
2826 Shoni Dr	0.35mi	4/2.0	1,936 (+5%)	8mo	$340,000	$176	68
6806 Tom King Bayou Rd	0.41mi	3/2.0 (-1)	1,812 (-2%)	8mo	$610,000	$337	67
2800 Brassie Cir	0.02mi	3/2.0 (-1)	1,572 (-14%)	4mo	$299,900	$191	66
3150 Calle De Cortez	0.48mi	3/2.0 (-1)	1,748 (-5%)	1mo	$365,000	$209	63
6627 Angle Rd	0.70mi	4/2.0	1,876 (+2%)	4mo	$450,000	$240	60
3032 Tiffany Ln	0.65mi	3/2.5 (-1)	1,836 (-0%)	5mo	$445,000	$242	58
6742 Britt St	0.54mi	3/2.0 (-1)	1,911 (+4%)	8mo	$449,900	$235	57
3038 Paso De Vivoz	0.29mi	3/1.5 (-1)	1,624 (-12%)	9mo	$375,000	$231	53
3141 Calle De Ciervo	0.50mi	3/2.0 (-1)	1,617 (-12%)	7mo	$390,000	$241	46
6875 Brocado Ct	0.61mi	3/2.0 (-1)	1,564 (-15%)	8mo	$400,000	$256	35

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 2.74% rent growth · sell at horizon

5-year hold

• IRR: -17.0%
• Equity multiple: 0.40×
• Total profit: $-56,845
• Equity at exit: $50,546

10-year hold

• IRR: -9.4%
• Equity multiple: 0.43×
• Total profit: $-54,216
• Equity at exit: $29,311

Cash invested: $94,920 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 32566

• Home prices YoY: -26.2%
• Rents YoY: 2.7%
• Active inventory: 769
• Price-to-rent: 10.9×

Monthly cashflow live

• Estimated rent: $2,593 high
• Mortgage (P&I): −$1,778
• Tax from tax record: −$147 /mo · $1,764/yr
• Insurance: −$141
• HOA: −$0
• Vacancy / Maint / Mgmt: −$545
• Net cashflow: $-17

Break-even live

Break-even rent $2,615

Max offer price $335,936

Occupancy floor 96%

Sensitivity live

Price	-10% $175	-5% $79	+0% $-17	+5% $-113	+10% $-209
Rent	-10% $-222	-5% $-120	+0% $-17	+5% $85	+10% $188
Rate	-1.0pp $153	-0.5pp $69	base $-17	+0.5pp $-105	+1.0pp $-195

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $84,750
• Closing costs: $10,170
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7223 Crown Ct Navarre, FL	3.0	2.5	1585	$1,950	$1.23	25d	1	0.78mi
7279 Majestic Blvd Navarre, FL	3.0	2.5	1574	$4,000	$2.54	25d	1	0.81mi
2885 Leahs Ln Navarre, FL	5.0	3.5	2213	$2,500	$1.13	25d	1	0.83mi
2879 Leahs Ln Navarre, FL	3.0	2.5	1839	$2,150	$1.17	25d	1	0.83mi
6770 East Bay Blvd Navarre, FL	3.0	3.0	2323	$3,500	$1.51	25d	1	0.85mi
7288 Mossy Oaks Ct Navarre, FL	4.0	2.0	1705	$2,495	$1.46	25d	1	0.94mi
3135 Hickory St Navarre, FL	4.0	2.0	2038	$2,520	$1.24	25d	1	1.22mi
3135 Hickory St Navarre, FL	4.0	2.0	2038	$2,520	$1.24	15d	1	1.22mi
2360 Crescent Rd Navarre, FL	3.0	2.0	1896	$2,175	$1.15	15d	1	1.29mi
2360 Crescent Rd Navarre, FL	3.0	2.0	1896	$2,175	$1.15	25d	1	1.29mi
2634 Hidden Estates Cir Navarre, FL	3.0	2.0	1463	$2,200	$1.50	15d	1	1.36mi

Listing history 27 events

1. 2026-06-03
   status $339,000 Pending 67 DOM
2. 2026-06-02
   days on market $339,000 Active 67 DOM
3. 2026-06-01
   days on market $339,000 Active 66 DOM
4. 2026-05-31
   days on market $339,000 Active 65 DOM
5. 2026-05-31
   pricedays on market $339,000 Active 64 DOM
6. 2026-05-24
   price $365,000
7. 2026-05-12
   price $367,000
8. 2026-03-27
   listed $369,000 Active
9. 2018-02-06
   soldstatus $195,000
10. 2018-02-05
    soldstatus $195,000 1049-char remark

    Show marketing remark (1049 chars)

    NO HOA!!!PRICE REDUCED!!! Navarre All Brick 4 BDR/2 BTH Home!Quiet Cul-de-sac Neighborhood- All Newly Painted rooms & Cabinetry & New Blinds throughout- Popular Split-floor plan containing high vaulted ceilings- New Wood Laminate Flooring-Tile Floors in kitchen,Baths,& Laundry- Eat-In Kitchen boasts=island, New GE Stove/Range Top, Faucet & Pendant Lighting-Kenmore Dishwasher & Refrigerator-New & spacious Walk-In Pantry- Open to expansive Family Great Room including a corner Wood Burning Fireplace which has a new chimney & Roof replaced 2005- Inviting spacious Master Suite/Master Bath with tile floors, His/Her Closets and center Garden Tub with Double Vanity- Extra Large Sunroom at Back with Tile floors- open to Privacy Fenced backyard oasis with hand laid firepit. 2 Car garage has extra wooden shelving which conveys -Laundry Room between Kitchen to garage- Breaker Box in Laundry Room- HVAC has new Coils, Unit replaced 2013- New Water Heater 2013-Washer & Dryer Do NOT convey! 1 yr home warranty provided

11. 2018-02-05
    soldstatus $195,000 1049-char remark

    Show marketing remark (1049 chars)

    NO HOA!!!PRICE REDUCED!!! Navarre All Brick 4 BDR/2 BTH Home!Quiet Cul-de-sac Neighborhood- All Newly Painted rooms & Cabinetry & New Blinds throughout- Popular Split-floor plan containing high vaulted ceilings- New Wood Laminate Flooring-Tile Floors in kitchen,Baths,& Laundry- Eat-In Kitchen boasts=island, New GE Stove/Range Top, Faucet & Pendant Lighting-Kenmore Dishwasher & Refrigerator-New & spacious Walk-In Pantry- Open to expansive Family Great Room including a corner Wood Burning Fireplace which has a new chimney & Roof replaced 2005- Inviting spacious Master Suite/Master Bath with tile floors, His/Her Closets and center Garden Tub with Double Vanity- Extra Large Sunroom at Back with Tile floors- open to Privacy Fenced backyard oasis with hand laid firepit. 2 Car garage has extra wooden shelving which conveys -Laundry Room between Kitchen to garage- Breaker Box in Laundry Room- HVAC has new Coils, Unit replaced 2013- New Water Heater 2013-Washer & Dryer Do NOT convey! 1 yr home warranty provided

12. 2017-09-24
    listed $199,000 1049-char remark

    Show marketing remark (1049 chars)

    NO HOA!!!PRICE REDUCED!!! Navarre All Brick 4 BDR/2 BTH Home!Quiet Cul-de-sac Neighborhood- All Newly Painted rooms & Cabinetry & New Blinds throughout- Popular Split-floor plan containing high vaulted ceilings- New Wood Laminate Flooring-Tile Floors in kitchen,Baths,& Laundry- Eat-In Kitchen boasts=island, New GE Stove/Range Top, Faucet & Pendant Lighting-Kenmore Dishwasher & Refrigerator-New & spacious Walk-In Pantry- Open to expansive Family Great Room including a corner Wood Burning Fireplace which has a new chimney & Roof replaced 2005- Inviting spacious Master Suite/Master Bath with tile floors, His/Her Closets and center Garden Tub with Double Vanity- Extra Large Sunroom at Back with Tile floors- open to Privacy Fenced backyard oasis with hand laid firepit. 2 Car garage has extra wooden shelving which conveys -Laundry Room between Kitchen to garage- Breaker Box in Laundry Room- HVAC has new Coils, Unit replaced 2013- New Water Heater 2013-Washer & Dryer Do NOT convey! 1 yr home warranty provided

13. 2017-09-24
    listed $199,000 1049-char remark

    Show marketing remark (1049 chars)

    NO HOA!!!PRICE REDUCED!!! Navarre All Brick 4 BDR/2 BTH Home!Quiet Cul-de-sac Neighborhood- All Newly Painted rooms & Cabinetry & New Blinds throughout- Popular Split-floor plan containing high vaulted ceilings- New Wood Laminate Flooring-Tile Floors in kitchen,Baths,& Laundry- Eat-In Kitchen boasts=island, New GE Stove/Range Top, Faucet & Pendant Lighting-Kenmore Dishwasher & Refrigerator-New & spacious Walk-In Pantry- Open to expansive Family Great Room including a corner Wood Burning Fireplace which has a new chimney & Roof replaced 2005- Inviting spacious Master Suite/Master Bath with tile floors, His/Her Closets and center Garden Tub with Double Vanity- Extra Large Sunroom at Back with Tile floors- open to Privacy Fenced backyard oasis with hand laid firepit. 2 Car garage has extra wooden shelving which conveys -Laundry Room between Kitchen to garage- Breaker Box in Laundry Room- HVAC has new Coils, Unit replaced 2013- New Water Heater 2013-Washer & Dryer Do NOT convey! 1 yr home warranty provided

14. 2014-08-18
    soldstatus $172,500
15. 2014-08-11
    soldstatus $172,500 1075-char remark

    Show marketing remark (1075 chars)

    Terrific find in this 4 Bedroom – 2 Bath – 1860 sqft – All Brick home! Popular split floor plan with high vaulted ceilings, wood designed laminate, tile, large pantry and large master suite are just some of the features in this home. The open dining, island kitchen, great room to the expansive huge screened porch makes it easy to enjoy family and friends no matter the occasion! The 10x24 screened porch boasts tile, and blinds on all sides for quiet mornings and cool evenings. The master suite offers wall to wall carpet, ceiling fan, great view of park like back yard and includes a designer painted bathroom, two walk in closets large garden tub/shower and a sitting double vanity. The privacy fenced park like back yard is full of flowering shrubs, palms and a paver patio for sun and barbecues! More features include newer water heater 2012, all appliances (microwave 2012, range 2007, dishwasher 2011, refrigerator 2011, washer 2005, dryer 2005), well, lawn pump, 2 car garage all on a Cul-de-sac close to Hurlburt, shopping, schools and the beach!

16. 2014-08-11
    soldstatus $172,500

    Show marketing remark (1075 chars)

    Terrific find in this 4 Bedroom – 2 Bath – 1860 sqft – All Brick home! Popular split floor plan with high vaulted ceilings, wood designed laminate, tile, large pantry and large master suite are just some of the features in this home. The open dining, island kitchen, great room to the expansive huge screened porch makes it easy to enjoy family and friends no matter the occasion! The 10x24 screened porch boasts tile, and blinds on all sides for quiet mornings and cool evenings. The master suite offers wall to wall carpet, ceiling fan, great view of park like back yard and includes a designer painted bathroom, two walk in closets large garden tub/shower and a sitting double vanity. The privacy fenced park like back yard is full of flowering shrubs, palms and a paver patio for sun and barbecues! More features include newer water heater 2012, all appliances (microwave 2012, range 2007, dishwasher 2011, refrigerator 2011, washer 2005, dryer 2005), well, lawn pump, 2 car garage all on a Cul-de-sac close to Hurlburt, shopping, schools and the beach!

17. 2014-04-28
    listed $172,500 1075-char remark

    Show marketing remark (1075 chars)

    Terrific find in this 4 Bedroom – 2 Bath – 1860 sqft – All Brick home! Popular split floor plan with high vaulted ceilings, wood designed laminate, tile, large pantry and large master suite are just some of the features in this home. The open dining, island kitchen, great room to the expansive huge screened porch makes it easy to enjoy family and friends no matter the occasion! The 10x24 screened porch boasts tile, and blinds on all sides for quiet mornings and cool evenings. The master suite offers wall to wall carpet, ceiling fan, great view of park like back yard and includes a designer painted bathroom, two walk in closets large garden tub/shower and a sitting double vanity. The privacy fenced park like back yard is full of flowering shrubs, palms and a paver patio for sun and barbecues! More features include newer water heater 2012, all appliances (microwave 2012, range 2007, dishwasher 2011, refrigerator 2011, washer 2005, dryer 2005), well, lawn pump, 2 car garage all on a Cul-de-sac close to Hurlburt, shopping, schools and the beach!

18. 2014-04-28
    listed $172,500

    Show marketing remark (1075 chars)

    Terrific find in this 4 Bedroom – 2 Bath – 1860 sqft – All Brick home! Popular split floor plan with high vaulted ceilings, wood designed laminate, tile, large pantry and large master suite are just some of the features in this home. The open dining, island kitchen, great room to the expansive huge screened porch makes it easy to enjoy family and friends no matter the occasion! The 10x24 screened porch boasts tile, and blinds on all sides for quiet mornings and cool evenings. The master suite offers wall to wall carpet, ceiling fan, great view of park like back yard and includes a designer painted bathroom, two walk in closets large garden tub/shower and a sitting double vanity. The privacy fenced park like back yard is full of flowering shrubs, palms and a paver patio for sun and barbecues! More features include newer water heater 2012, all appliances (microwave 2012, range 2007, dishwasher 2011, refrigerator 2011, washer 2005, dryer 2005), well, lawn pump, 2 car garage all on a Cul-de-sac close to Hurlburt, shopping, schools and the beach!

19. 2003-07-31
    soldstatus $127,900
20. 2003-07-15
    soldstatus $127,900
21. 2003-07-15
    soldstatus $127,900
22. 2003-05-27
    listed $127,900
23. 2003-05-25
    listed $127,900
24. 1998-08-26
    soldstatus $107,500
25. 1998-08-21
    soldstatus $107,500
26. 1997-12-11
    listed $109,900
27. 1993-12-01
    soldstatus $84,800

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $1,764 · $147/mo
• Projected year-2 tax: $2,814 · $234/mo
• Expected delta: +$1,050/yr (+$87/mo · 59.5%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥105°F today · 25 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $31,119
• − Mortgage interest: −$18,989
• − Property taxes: −$1,764
• − Insurance: −$1,695
• − Repairs & maintenance: −$2,489
• − Management: −$2,489
• − Depreciation: −$9,862
• Taxable loss: −$6,170
• Est. tax savings @ 24.0%: +$1,481
• After-tax cash flow: $1,273/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Santa Rosa
• NCES district ID: 1201650
• Math proficiency: 63% ▼ -6.00%
• Reading proficiency: 60% ▼ -5.00%
• Median HH income: $58,161
• Composite: 53.12/100
• National rank: #1511
• State rank: #8 of 73 in FL

Livability — Navarre

• Score: 70/100
• State rank: #435
• US rank: #7790

Category grades

Amenities F Commute F Cost of living B Crime A- Employment A Housing A+ Health & safety C- User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Navarre, FL
• County: Santa Rosa County · 194,764 people
• City population: 43,883
• Metro: Pensacola-Ferry Pass-Brent, FL
• Population (ZIP): 43,883
• Household income: $105,551
• Rent vs Own: 17.5% rent · 82.5% own
• Severe rent burden: 608.0

Population outlook (Santa Rosa County) Hauer SSP2

• Today (2025): 195,978 people
• By 2030: 209,782 · +7.0%
• By 2040: 235,293 · +20.1%
• By 2050: 256,408 · +30.8%
• By 2075: 298,074 · +52.1%
• By 2100: 303,216 · +54.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (75%)
• Race & ethnicity: White 75% Two or more races 9% Hispanic / Latino 9% Black 6% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 2%
• Common ancestry: Scotch-Irish 3% Lithuanian 3% Romanian 2%
• Foreign-born: 6% · Canada, Jamaica, Vietnam
• Languages at home: 92% English-only · Spanish 4% German/W. Germanic 1% Tagalog/Filipino 1%

Political lean MEDSL · Santa Rosa

• 2024 margin: Solid R (+51.0) · D 24.1% · R 75.0%
• 2008→2024 swing: -3.0pp toward R · 2008: -47.9pp · 2024: -51.0pp
• All cycles: 2024: R+51.0 2020: R+46.5 2016: R+53.5 2012: R+52.6 2008: R+47.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -105.87%
• Current HPI: 298.6821
• Rent YoY: ▲ 2.74%
• Metro: Pensacola-Ferry Pass-Brent, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+330.4% since first listed

22 events — show timeline

• 2026-05-24 Price Changed $365,000 NAMLS
• 2026-05-12 Price Changed $367,000 NAMLS
• 2026-03-27 Listed $369,000 NAMLS
• 2018-02-06 Sold (Public Records) $195,000 Public Records
• 2018-02-05 Sold (MLS) $195,000 ECAR
• 2018-02-05 Sold (MLS) $195,000 NAMLS
• 2017-09-24 Listed $199,000 ECAR
• 2017-09-24 Listed $199,000 NAMLS
• 2014-08-18 Sold (Public Records) $172,500 Public Records
• 2014-08-11 Sold (MLS) $172,500 NAMLS
• 2014-08-11 Sold (MLS) $172,500 PARMLS
• 2014-04-28 Listed $172,500 NAMLS
• 2014-04-28 Listed $172,500 PARMLS
• 2003-07-31 Sold (Public Records) $127,900 Public Records
• 2003-07-15 Sold (MLS) $127,900 NAMLS
• 2003-07-15 Sold (MLS) $127,900 PARMLS
• 2003-05-27 Listed $127,900 NAMLS
• 2003-05-25 Listed $127,900 PARMLS
• 1998-08-26 Sold (Public Records) $107,500 Public Records
• 1998-08-21 Sold (MLS) $107,500 ECAR
• 1997-12-11 Listed $109,900 ECAR
• 1993-12-01 Sold (Public Records) $84,800 Public Records

Property tax history

+3.7%/yr

Latest (2025): $1,764 · +4.6% YoY. Source: county tax records.