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6224 E Bay Blvd, Gulf Breeze, FL, 32563

2beds
2baths
1,170sqft
$690,000
$590price/sqft
$4,614/moest. monthly cost
$184,560/yrincome needed

About This Home

Welcome to 6224 East Bay Blvd, an affordable, charming waterfront cottage tucked beneath mature trees along the shores of the sparkling East Bay in Gulf Breeze, Florida. This 2 bedroom, 2 bathroom home offers a relaxed coastal lifestyle with wide water views, a 270 foot private dock, and a setting that feels like a true escape while still being conveniently located. Inside, the home features an open and inviting layout with simple living spaces, tile flooring throughout for easy maintenance, and warm wood-paneled ceilings that add character and a one of a kind cottage feel. Large windows line the back of the home, bringing in natural light and showcasing beautiful bay views, while the flexible living areas provide plenty of room for gathering, entertaining, or accommodating guests. Step outside and enjoy direct access to the water, whether you're fishing off the dock, launching a kayak, or simply taking in the peaceful surroundings. Gather around the firepit and swing on the swing as the sun goes down.The expansive lot offers privacy, room for parking RVs or boats and space to create your ideal outdoor retreat. 100 feet of waterfront lined with strong riprap along the sandy shore. Private boat launch. Located just a short drive to Pensacola Beach and Downtown Pensacola, this property combines the charm of Old Florida waterfront living with convenience to shopping, dining, and entertainment. With no HOA, this home offers flexibility for a primary residence, second home, or investment opportunity. Owned by the same family who built the home since 1966! Come and tour this getaway cottage today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

7/10
6/10
6/10
Gulf Breeze High SchoolGrades 9-1212.8 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1966

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block,Concrete

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater,Refrigerator
  • Laundry features: W/D Hookups

Bedroom

  • Level: First
  • Area: 95.6667

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),High Speed Internet
  • Window features: Blinds,Drapes
  • Flooring: Tile
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 1,170
  • Total interior livable area: 1,170 sqft

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 082s272140001000290
  • Zoning description: Res Single
  • Special condition: Standard,Third Party Approval

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Exterior features: Fire Pit,Dock
  • Has view: Yes
  • View description: Bay,Water
  • Has water view: Yes
  • Water view: Bay, Water
  • On waterfront: Yes
  • Waterfront features: Bay,Waterfront,Block/Seawall,Rip Rap
  • Frontage length: Water Frontage(100)

Lot

  • Lot size: 0.80 Acres
  • Lot size dimensions: 100X350

Parking

  • Total spaces: 10
  • Parking features: Garage,Boat,Front Entrance,RV Access/Parking
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 $3,489$41,868
Home Insurance *$263$3,156
Property Taxes $665$7,980
Electricity $197$2,366
Total$4,614$55,368
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$158,194/yr
40% on housing$138,420/yr
45% on housing$123,040/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

$590This listing

vs Other Active Listings

Avg $/sqft

ZIP 32563$228
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
2026-04-29Listed for sale$690,000

For Sale by Agent

AgentJenny Rushing
BrokerageBerkshire Hathaway Home Services PenFed Realty

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