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7434 Pine Lake Cir, Milton, FL, 32570

4beds
4baths
2,698sqft
$599,900
$222price/sqft
$4,373/moest. monthly cost
$174,920/yrincome needed

About This Home

Discover a rare, one-owner lakefront retreat designed as an entertainer’s dream and a place where lasting memories are made. This custom-built home was created as a private escape, offering the feeling of a permanent vacation without ever needing to leave home. Set on a peaceful 1.14-acre waterfront property, the home delivers tranquility, privacy, and room to spread out, all while remaining conveniently close to beautiful beaches and nearby bases. The lifestyle truly begins outdoors. Expansive entertaining spaces unfold from a covered lanai and screened-in pool area, flowing seamlessly into an outdoor kitchen any chef would dream of, complete with large grills, a separate smoker, an industrial-sized outdoor refrigerator, and a wet bar with solid surface counters. Just beyond, a fully enclosed and private hot tub area creates a true outdoor oasis designed for relaxation year-round. All of it overlooks the lake and a gazebo-style private dock, perfect for fishing, reflection, and unforgettable sunrises and sunsets. Inside, the main living level brings together the living room, dining area, kitchen, and primary suite in a way that feels open, welcoming, and effortless. The kitchen has been updated with upgraded countertops, modern lighting, newer appliances, and a double oven, making it ideal for entertaining, while several bathrooms throughout the home feature well-planned upgrades that add comfort and style. A wraparound porch invites slow mornings and long evenings, offering a front-row seat to the surrounding natural beauty. Upstairs, additional bedrooms and a full bath provide comfortable accommodations for family and guests. Downstairs, a solid concrete construction level offers exceptional flexibility, featuring a wet bar, billiards area, and a built-in Murphy bed, 1/2 bath and laundry area making it an ideal bonus area , 4th bedroom, or private suite. This is THE ONE!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

4/10
4/10
Milton High SchoolGrades 9-125.0 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1986

Materials

  • Foundation: Off Grade,Pillar/Post/Pier,Slab
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: A-Frame
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater,Wine Cooler,Built In Microwave,Dishwasher,Double Oven,Microwave,Refrigerator,Oven
  • Laundry features: Inside

Basement

  • Level: First
  • Area: 348

Bathroom

  • Level: Second
  • Area: 19.5

Bathroom1

  • Level: Third
  • Area: 105

Bathroom2

  • Level: First
  • Area: 35.4

Bedroom

  • Level: Third
  • Area: 147

Bedroom1

  • Level: Third
  • Area: 151.8

Bedrooms & Bathrooms

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

Dining Room

  • Level: Second
  • Area: 198

Features

  • Storage,Baseboards,Bookcases,Cathedral Ceiling(s),Ceiling Fan(s),High Ceilings,High Speed Internet,Recessed Lighting,Sound System,Vaulted Ceiling(s),Wet Bar
  • Window features: Storm Window(s),Blinds
  • Flooring: Tile,Carpet,Laminate,Simulated Wood
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 2,698
  • Total interior livable area: 2,698 sqft

Kitchen

  • Level: Second
  • Area: 214.5

Living Room

  • Level: Second
  • Area: 390

Master Bedroom

  • Level: Second
  • Area: 180

Property

Details

  • Parcel number: 042n280000002940000
  • Zoning description: County

Features

  • Levels: Three Or More
  • Stories: 3
  • Private pool: Yes
  • Pool features: In Ground,Pool/Spa Combo,Screen Enclosure,Vinyl
  • Patio & porch: Deck,Porch,Screened,Covered Deck
  • Exterior features: Outdoor Kitchen,Dock
  • Has spa: Yes
  • Spa features: Heated,Outdoor
  • Has view: Yes
  • View description: Lake,Pond,Water
  • Has water view: Yes
  • Water view: Lake, Pond, Water
  • On waterfront: Yes
  • Waterfront features: Lake,Pond,Waterfront,Pier

Lot

  • Lot size: 1.14 Acres
  • Features: Central Access,Interior Lot

Parking

  • Parking features: Boat,Driveway,Front Entrance,Guest,RV Access/Parking
  • 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
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Cold Wave
Drought
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 $3,033$36,396
Home Insurance *$607$7,284
Property Taxes $462$5,544
Electricity $271$3,258
Total$4,373$52,476
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,931/yr
40% on housing$131,190/yr
45% on housing$116,613/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

$222This listing

vs Other Active Listings

Avg $/sqft

ZIP 32570$148
Santa Rosa County$213

vs Homes Sold Last Month

Median $/sqft

ZIP 32570$166
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
2026-01-14Price change$599,900
2025-11-10Price change$600,000
2025-08-25Listed for sale$614,900
2025-08-23Contingent$614,900
2025-07-29Price change$614,900
2025-03-28Listed for sale$629,900
2024-05-03Listing removed--
2023-11-02Listed for sale$635,000
2023-06-01Listing removed--
2022-11-30Price change$673,900
2022-08-10Price change$698,900
2022-07-07Listed for sale$704,900
2003-06-26Sold$8,200

For Sale by Agent

AgentSummer Chason
BrokerageEngel & Volkers Pensacola

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