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1468 Bermuda Dr, Navarre Beach, FL, 32566

3beds
3baths
1,902sqft
$1,149,000
$604price/sqft
$8,422/moest. monthly cost
$336,880/yrincome needed

About This Home

Welcome to Your Private Coastal Sanctuary in Caribbean Isle on Navarre Beach From the moment you enter the exclusive, gated community of Caribbean Isle, you're transported into a true tropical paradise--complete with winding roads, vibrant coastal architecture, underground utilities, streetlights, and resort-style amenities including a community pool and tennis courts. Perfectly positioned in one of the most desirable locations within the neighborhood, this custom-built, one-owner beach home offers the ultimate blend of privacy, convenience, and luxury. Just steps from your back door, you'll find direct access to the sugar-white sands and emerald waters of the beach. Enjoy peaceful morning strolls along the quiet shoreline, or head just across the street to experience the energy of Gulf. Designed for Coastal Living & Entertaining This thoughtfully designed residence features four spacious sleeping areas, including a custom bunk room with built-in beds and storage--perfect for hosting family and guests. Every inch of this home reflects intentional design and elevated coastal style. The main living spaces are pouring with natural light, enhanced by expansive windows and three generous porches that capture both sunrise and sunset views. With water views from nearly every angle, the connection to the coast is felt throughout the home. The chef's kitchen is a true showpiece, featuring ceiling-height light blue cabinetry, upgraded countertops, designer sconce lighting, and an open layout ideal for entertaining. Exceptional Features Inside & Out Impact-rated glass for enhanced durability and lower insurance costs Luxury vinyl plank flooring with a soft driftwood finish Custom cable railing on decks for unobstructed water views Metal roof for long-term durability Deep soaking tub and designer tile shower in the primary suite Abundant storage throughout, including a space designed for a future elevator (plans available upon request) Ground Level Coastal Retreat The lower level offers an incredible flex space--ideal for a den, game room, or "man cave"--featuring a unique glass garage door that allows natural light to pour in while maintaining privacy. Just outside, a private outdoor shower provides the perfect spot to rinse off after a day at the beach. (This was not added into the upstairs square footage.) With over 1,600 square feet of garage space, there's ample room for multiple vehicles, golf carts, and all your beach and boating gear. Outdoor Living at Its Finest The professionally enhanced landscaping, complete with multiple palm trees, perfectly frames the home and enhances its tropical curb appeal. Every outdoor space invites relaxation, from breezy porches to shaded areas below. Additional Highlights Located in the gated community of Caribbean Isle Low HOA: $485/quarter Flood Insurance: ~$996/year Homeowners Insurance: ~$3,700/year Furniture negotiable with acceptable offer This meticulously maintained home offers not just a residence, but a lifestyle--where every day feels like a vacation. Experience the beauty, comfort, and luxury of Navarre Beach living in Caribbean Isle. Schedule your private showing today. The community has an annual Road Reserve of $300.00 in addition to annual HOA dues. Buyer to verify all information deemed important to buyer including but not limited to lot size, room measurements, etc. prior to closing

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

7/10
5/10
Navarre High SchoolGrades 9-124.2 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2019

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Beach House
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range Hood,Refrigerator,Washer,Electric Water Heater
  • Laundry features: Washer/Dryer Hookup

Bedroom

  • Level: Second
  • Area: 1392
  • Dimensions: 12 x 116

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Cooling

  • Cooling features: Central Air,Ceiling Fan(s)

Dining Area

  • Level: Second
  • Area: 135
  • Dimensions: 15 x 9

Features

  • Breakfast Bar,Beamed Ceilings,Vaulted Ceiling(s),Kitchen Island,Newly Painted,Pantry,Split Bedroom,Walls Paneled,Woodwork Painted
  • Window features: Storm Window(s),Window Treatments
  • Flooring: Tile,Vinyl
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Interior Area

  • Total structure area: 1,902
  • Total interior livable area: 1,902 sqft

Kitchen

  • Level: Second
  • Area: 180
  • Dimensions: 15 x 12

Living Room

  • Level: Second
  • Area: 224
  • Dimensions: 16 x 14

Master Bedroom

  • Level: Second
  • Area: 168
  • Dimensions: 14 x 12

Recreation Room

  • Level: First
  • Area: 212
  • Dimensions: 2 x 106

Property

Details

  • Parcel number: 282S26909500B000090
  • Zoning description: Resid Single Family

Features

  • Stories: 2
  • Exterior features: Balcony,Lawn Pump,Sprinkler System

Lot

  • Lot size: 5,227 sqft
  • Features: Flood Insurance Req,Level,Restrictions
  • Lot size dimensions: Irregular

Parking

  • Parking features: Garage - Attached
  • Has garage: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Tornado
Tsunami

FEMA Declared Disasters in Santa Rosa County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $5,809$69,708
Home Insurance *$1,358$16,296
Property Taxes $1,058$12,696
Electricity $197$2,366
Total$8,422$101,064
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$288,754/yr
40% on housing$252,660/yr
45% on housing$224,586/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.5%
15.5%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$604This listing

vs Other Active Listings

Avg $/sqft

ZIP 32566$303
Santa Rosa County$213

vs Homes Sold Last Month

Median $/sqft

ZIP 32566$217
Santa Rosa County$191

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-17Price change$1,179,000
2026-03-21Listed for sale$1,200,000
1997-01-30Sold$664,000

For Sale by Agent

AgentJessica N Drew
BrokerageKeller Williams Realty Navarre

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