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1591 Whisper Bay Blvd, Gulf Breeze, FL, 32563

4beds
3baths
2,008sqft
$620,000
$309price/sqft
$4,174/moest. monthly cost
$166,960/yrincome needed

About This Home

Four bedroom pool home in Gulf Breeze with water views! Inside, you'll find tile flooring throughout and two fireplaces that create inviting living areas. The 2-car garage provides ample storage, while the fenced backyard offers privacy and the perfect setting for entertaining or enjoying the sparkling pool. Whether you're enjoying the peaceful views or spending time outdoors, this home offers the perfect blend of comfort, functionality, and lifestyle.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

9/10
8/10
7/10
Gulf Breeze High SchoolGrades 9-124.4 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2000

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater,Built In Microwave,Dishwasher,Double Oven,Refrigerator,Oven

Bedroom

  • Level: First
  • Area: 125.7222

Bedroom1

  • Level: Second
  • Area: 111.9444

Bedroom2

  • Level: Second
  • Area: 120.5556

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Area: 143.5417

Features

  • Crown Molding
  • Window features: Some Blinds,Some Drapes
  • Flooring: Tile
  • Fireplace features: Two or More
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 2,008
  • Total interior livable area: 2,008 sqft

Kitchen

  • Level: First
  • Area: 136.9167

Living Room

  • Level: First
  • Area: 232.2222

Master Bedroom

  • Level: Second
  • Area: 314.6875

Property

Details

  • Parcel number: 252s29568600b000020
  • Zoning description: Res Single

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: In Ground,Vinyl
  • Patio & porch: Covered
  • Fencing: Back Yard
  • Has view: Yes
  • View description: Bay,Water
  • Has water view: Yes
  • Water view: Bay, Water

Lot

  • Lot size: 0.29 Acres
  • Lot size dimensions: 100X128

Parking

  • Total spaces: 2
  • Parking features: 2 Car Garage,Side Entrance,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

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Cold Wave
Heat Wave
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 $3,135$37,620
Home Insurance *$237$2,844
Property Taxes $600$7,200
Electricity $202$2,424
Total$4,174$50,088
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$143,108/yr
40% on housing$125,220/yr
45% on housing$111,306/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

$309This listing

vs Other Active Listings

Avg $/sqft

ZIP 32563$229
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
2026-07-20Listed for sale$620,000
2003-12-31Sold$255,000
1999-10-07Sold$48,000

For Sale by Agent

AgentSherlyn Waghalter
BrokerageBerkshire Hathaway Home Services PenFed Realty

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