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5278 Hidden Pines Cir, Milton, FL, 32583

6beds
4baths
3,105sqft
$420,398
$135price/sqft
$3,038/moest. monthly cost
$121,520/yrincome needed

About This Home

TO BE BUILT, Est Completion Summer 2026 .Come to HIDDEN PINES by Adams Homes. Located just 30 minutes to Navarre Beach, with close proximity to schools, shopping and much more. This home is 3-sided brick with Hardi design front, 2 car automatic garage, sprinklers with timer, and a sodded yard with a landscaping package. Some upgrades that are being added to this home include granite/quartz countertops in kitchen and bathrooms, Puretec LVP flooring everywhere with carpet only in bedrooms, craftsman style elevation, and a separate walk-in tiled shower and garden tub in the master bathroom. **PHOTOS showcase a completed model of this floor plan. Home is under construction- custom selections still possible.**

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

4/10
4/10
Milton High SchoolGrades 9-122.7 mi

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater,Built In Microwave,Dishwasher,ENERGY STAR Qualified Dishwasher,ENERGY STAR Qualified Appliances,ENERGY STAR Qualified Water Heater

Bedroom

  • Level: Second
  • Area: 188.2986

Bedroom1

  • Level: Second
  • Area: 182

Bedroom2

  • Area: 168

Bedroom3

  • Level: Second
  • Area: 182

Bedroom4

  • Level: Second
  • Area: 156

Bedroom5

  • Level: Second
  • Area: 174.9

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Level: First
  • Area: 140.4444

Features

  • Baseboards,Ceiling Fan(s)
  • Flooring: Carpet

Heating & Cooling

  • Heating features: Central,ENERGY STAR Qualified Equipment
  • Cooling features: Central Air,Ceiling Fan(s),ENERGY STAR Qualified Equipment

Interior Area

  • Total structure area: 3,105
  • Total interior livable area: 3,105 sqft

Kitchen

  • Level: First
  • Area: 198

Living Room

  • Level: First
  • Area: 320

Master Bedroom

  • Level: First
  • Area: 236.16

Property

Details

  • Parcel number: 011n28181600f000390
  • Zoning description: Res Single

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered

Lot

  • Lot size: 6,751 sqft
  • Features: Central Access

Parking

  • Total spaces: 2
  • Parking features: 2 Car Garage,Garage Door Opener
  • 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

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

How This Home’s Risks Compare

Lightning
Coastal Flooding
Hurricane
Tornado
Cold Wave
Heat Wave
Inland Flooding
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 $2,125$25,500
Home Insurance *$391$4,692
Property Taxes $210$2,520
Electricity $312$3,749
Total$3,038$36,456
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,160/yr
40% on housing$91,140/yr
45% on housing$81,013/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

$135This listing

vs Other Active Listings

Avg $/sqft

ZIP 32583$162
Santa Rosa County$214

vs Homes Sold Last Month

Median $/sqft

ZIP 32583$176
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
2026-05-12Price change$416,398
2026-04-26Listed for sale$412,398

New Construction

AgentShelly Horton Willis
BrokerageADAMS HOME REALTY, INC

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