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8520 Gulf Blvd #Ut-39, Navarre, FL, 32566

3beds
2baths
2,043sqft
$670,000
$328price/sqft
$4,718/moest. monthly cost
$188,720/yrincome needed

About This Home

Paradise on the Emerald coast of Navarre Beach. Unit comes fully furnished with a community dock with a private slip and a heavy duty lift that will accommodate up to a 10ft beam. There are tile floors in all wet areas, the dinning room, living room and Kitchen. The living room is open to the Loft to bring in beautiful natural lighting. Sliding glass doors across the dinning and living room. Kitchen has been upgraded with corian counter tops, wood cabinets, and a large sink. Big stainless steel refrigerator is fairly new. Plumbing and lighting fixtures were also upgraded. Whether you're sipping coffee while enjoying the views on the large open deck or taking advantage of the many community amenities this townhome offers the perfect combination of tranquility and recreation

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
51
BikeBikeable

Schools

7/10
5/10
Navarre High SchoolGrades 9-123.0 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 1982

Materials

  • Roof: Metal,Slate
  • Construction materials: Block,Concrete,Frame,Roof Pitched,Wood Siding,Trim Vinyl

Type & Style

  • Home type: Townhouse
  • Architectural style: Townhouse
  • Property subType: Townhouse

Interior

Appliances

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

Bedroom

  • Level: Second
  • Area: 144
  • Dimensions: 12 x 12

Bedroom

  • Level: Second
  • Area: 144
  • Dimensions: 12 x 12

Bedrooms & Bathrooms

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

Bonus Room

  • Level: First
  • Area: 300
  • Dimensions: 25 x 12

Dining Area

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

Features

  • Vaulted Ceiling(s),Floor Allowance,Shelving,Split Bedroom
  • Window features: Window Treatments
  • Flooring: Tile

Garage

  • Level: First
  • Area: 480
  • Dimensions: 40 x 12

Heating & Cooling

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

Interior Area

  • Total structure area: 2,043
  • Total interior livable area: 2,043 sqft

Kitchen

  • Level: Second
  • Area: 72
  • Dimensions: 12 x 6

Living Room

  • Level: Second
  • Area: 288
  • Dimensions: 24 x 12

Loft

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

Master Bathroom

  • Level: Third
  • Area: 72
  • Dimensions: 12 x 6

Master Bedroom

  • Level: Third
  • Area: 98
  • Dimensions: 14 x 7

Property

Details

  • Parcel number: 282S269080000000390
  • Lease amount: 250
  • Zoning: Resid Multi-Family

Features

  • Levels: Tri-Level
  • Stories: 3
  • Exterior features: Balcony,Boat Slip,Boatlift
  • Fencing: Fenced Lot-Part,Privacy
  • Has view: Yes
  • View description: Intracoastal Waterwy,Sound
  • Has water view: Yes
  • Water view: Intracoastal Waterwy,Sound
  • On waterfront: Yes
  • Waterfront features: Intracoastal Wtrwy,Seawall,Sound

Lot

  • Lot size: 2,613 sqft
  • Features: Covenants,Flood Insurance Req,Interior Lot,Within 1/2 Mile to Water
  • Lot size dimensions: 91 X 28

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener,Guest,Oversized
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $3,387$40,644
Home Insurance *$791$9,492
Property Taxes $335$4,020
Electricity $205$2,467
Total$4,718$56,616
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$161,760/yr
40% on housing$141,540/yr
45% on housing$125,813/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

$328This listing

vs Other Active Listings

Avg $/sqft

ZIP 32566$306
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
2026-03-16Listed for sale$675,000
2026-02-17Listing removed$689,000
2025-07-03Price change$689,000
2025-04-30Listed for sale$699,000

For Sale by Agent

AgentTammy Ann Pahal
BrokeragePriority Real Estate, LLC

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