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6514 Forest Bay Ave, Gulf Breeze, FL, 32563

4beds
3baths
2,296sqft
$520,000
$226price/sqft
$3,477/moest. monthly cost
$139,080/yrincome needed

About This Home

Like-new and loaded with over $50,000 in upgrades, this 2022-built beauty offers a level of finish and privacy that sets it apart from the rest in the neighborhood. Step inside to an inviting, modern floor plan with thoughtful upgrades inside and out, to include board and batten, wood-shelved pantry, outdoor covered patio, large outdoor brick paver entertaining area with power hookups, french drains in the back yard, sprinkler system on a well, stained and sealed privacy fence, paver area on side of house for trailer, attic storage, ninja coated garage floor and a large workbench area, whole home water filtration system, UV light HVAC system and a termite bond. If you're searching for a home that feels both new and thoughtfully finished, this is it!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

7/10
6/10
5/10
Navarre High SchoolGrades 9-125.7 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2022

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Siding CmntFbrHrdBrd

Type & Style

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

Interior

Appliances

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

Bedroom

  • Level: First
  • Area: 132
  • Dimensions: 11 x 12

Bedroom

  • Level: First
  • Area: 100
  • Dimensions: 10 x 10

Bedroom

  • Level: First
  • Area: 120
  • Dimensions: 10 x 12

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Cooling

  • Cooling features: Central Air

Dining Area

  • Level: First
  • Area: 124
  • Dimensions: 8 x 15.5

Features

  • Tray Ceiling(s),Kitchen Island,Pantry
  • Common walls with other units/homes: No Common Walls

Garage

  • Level: First
  • Area: 540
  • Dimensions: 20 x 27

Interior Area

  • Total structure area: 2,296
  • Total interior livable area: 2,296 sqft

Living Room

  • Level: First
  • Area: 484
  • Dimensions: 22 x 22

Master Bedroom

  • Level: First
  • Area: 210
  • Dimensions: 15 x 14

Property

Details

  • Parcel number: 162S27125800A000520
  • Zoning description: Resid Single Family

Features

  • Stories: 1
  • Patio & porch: Covered,Patio
  • Exterior features: Private Yard,Lawn Pump,Sprinkler System,Rain Gutters
  • Fencing: Privacy

Lot

  • Lot size: 9,583 sqft
  • Features: Irregular Lot
  • Lot size dimensions: 70 x 150

Parking

  • Total spaces: 3
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Coastal Flooding
Cold Wave
Heat Wave
Wildfire
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 $2,629$31,548
Home Insurance *$198$2,376
Property Taxes $419$5,028
Electricity $231$2,772
Total$3,477$41,724
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$119,211/yr
40% on housing$104,310/yr
45% on housing$92,720/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

$226This listing

vs Other Active Listings

Avg $/sqft

ZIP 32563$230
Santa Rosa County$213

vs Homes Sold Last Month

Median $/sqft

ZIP 32563$226
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
2026-03-01Price change$535,000
2026-01-15Listed for sale$540,000
2022-12-19Sold$470,900
2022-08-15Pending sale$470,900
2022-08-15Listing removed--
2022-08-10Listed for sale$470,900

For Sale by Agent

AgentLauren N Haggett
BrokerageEverything Palms Real Estate

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