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525 Deer Point Dr, Gulf Breeze, FL, 32561

5beds
6baths
5,571sqft
$4,395,000
$789price/sqft
$34,949/moest. monthly cost
$1,397,960/yrincome needed

About This Home

This exquisite 5-bedroom, 4 and half-bathroom residence offers luxurious coastal living in one of Gulf Breeze proper's most prestigious waterfront neighborhoods. Spanning over 5,500 square feet on a generous 0.41-acre lot, this single-family home thoughtfully renovated in 2021, combines coastal elegance with modern comfort on the Santa Rosa Sound. Enjoy the south facing view overlooking Pensacola Beach- a boaters paradise, this waterfront residence offers deep water slip access. The main living area features hardwood flooring, abundant natural light, and seamless flow into a chef's kitchen with a large island, premium appliances and custom cabinetry. The spacious primary suite overlooks the water and includes a lavash bath with soaking tub & separate glass shower. Take in morning sunrises from the dedicated outdoor living space with a pool and spa, spacious balcony, sprawling patio, grass lawn and white sand beach. Additional highlights include floor to ceiling windows perfect for spotting dolphins or the Navy Blue Angels famous Sunday homecoming flybys, multiple living areas, elevator access to all floors and close access to the city of Gulf Breeze amenities, including splash pad, recreational center, parks, tennis courts & A+ public schools!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

9/10
8/10
6/10
Gulf Breeze High SchoolGrades 9-121.2 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1986

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Shingle,Metal
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Water Heater,Electric Water Heater,Dishwasher,Refrigerator,Oven
  • Laundry features: Inside

Bedroom

  • Level: Second
  • Area: 255

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 4
  • 1/2 bathrooms: 2

Features

  • Bookcases,Crown Molding,Elevator,Recessed Lighting
  • Window features: Storm Window(s),Some Blinds,Some Drapes
  • Flooring: Hardwood,Tile
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Multi Units,Heat Pump,Central,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 5,571
  • Total interior livable area: 5,571 sqft

Kitchen

  • Level: First
  • Area: 306

Master Bedroom

  • Level: Second
  • Area: 432

Property

Details

  • Parcel number: 093s29091000a000210
  • Zoning description: City,Res Single

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Gunite,Heated,In Ground,Pool/Spa Combo
  • Patio & porch: Covered
  • Exterior features: Boat Slip
  • Fencing: Back Yard
  • On waterfront: Yes
  • Waterfront features: Intracoastal Waterway,Sound,Waterfront,Beach Access,Boat Lift,Pier

Lot

  • Lot size: 0.41 Acres
  • Features: Cul-De-Sac,Interior Lot,Sprinkler
  • Lot size dimensions: 97X183

Parking

  • Parking features: Circular Driveway
  • Has uncovered spaces: 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

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

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Tornado
Cold Wave
Heat Wave
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 $22,223$266,676
Home Insurance *$9,969$119,628
Property Taxes $2,197$26,364
Electricity $560$6,727
Total$34,949$419,388
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,198,251/yr
40% on housing$1,048,470/yr
45% on housing$931,973/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

$789This listing

vs Other Active Listings

Avg $/sqft

ZIP 32561$564
Santa Rosa County$212

vs Homes Sold Last Month

Median $/sqft

ZIP 32561$443
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
2026-04-27Price change$4,495,000
2026-04-08Listed for sale$4,900,000
2016-06-30Sold$1,175,000

For Sale by Agent

AgentJill Teston
BrokerageAvenue Realty

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