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1446 Alabama St, Navarre, FL, 32566

2beds
2baths
1,032sqft
$984,995
$954price/sqft
$7,364/moest. monthly cost
$294,560/yrincome needed

About This Home

This well presented beach house sits on a LARGE WATERFRONT LOT BOASTING 80ft OF CANAL FRONTAGE . With 2 bedrooms and 2 bathrooms and spacious kitchen and living area. This excellently located Waterfront Beach house sits right in the heart of this barrier island. With direct access to the magnificent Florida waterways . A gentle stroll to the white sandy beaches that this part of Florida is world famous for . Bring your boat - Jet ski - paddleboard & Kayaks. And enjoy. Enjoy the huge decks and the outdoor lifestyle that Navarre Beach offers in this adorable beach house. Short term rental producing $95k in rental income per year.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

7/10
5/10
Navarre High SchoolGrades 9-123.3 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 1981

Materials

  • Foundation: Foundation On Piling
  • Roof: Metal
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Washer,Electric Water Heater
  • Laundry features: Washer/Dryer Hookup

Bedrooms & Bathrooms

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

Cooling

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

Dining Area

  • Level: Second
  • Area: 108
  • Dimensions: 9 x 12

Features

  • Breakfast Bar,Kitchen Island,Newly Painted

Interior Area

  • Total structure area: 1,032
  • Total interior livable area: 1,032 sqft

Kitchen

  • Level: Second
  • Area: 108
  • Dimensions: 9 x 12

Living Room

  • Level: Second
  • Area: 294
  • Dimensions: 14 x 21

Master Bathroom

  • Level: Second
  • Area: 168
  • Dimensions: 12 x 14

Other

  • Level: Second
  • Area: 156
  • Dimensions: 12 x 13

Property

Details

  • Parcel number: 282S269180012000050
  • Zoning: Resid Single Family

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck Open
  • Exterior features: Outdoor Grill,Dock,Outdoor Shower
  • Has view: Yes
  • View description: Bay,Canal,Gulf
  • Has water view: Yes
  • Water view: Bay,Canal,Gulf
  • On waterfront: Yes
  • Waterfront features: Canal Access,Waterfront

Lot

  • Lot size: 9,583 sqft
  • Features: Coastal Setback,Cul-De-Sac,Flood Insurance Req,See Remarks,Survey Available
  • Lot size dimensions: 80 X 120

Parking

  • Parking features: Guest,Other,RV Access/Parking,See Remarks
  • Carport: 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

  • 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 $4,980$59,760
Home Insurance *$1,164$13,968
Property Taxes $1,023$12,276
Electricity $197$2,366
Total$7,364$88,368
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$252,480/yr
40% on housing$220,920/yr
45% on housing$196,373/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

$954This listing

vs Other Active Listings

Avg $/sqft

ZIP 32566$304
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
2026-02-24Price change$984,995
2026-02-15Price change$989,995
2025-10-23Listed for sale$999,995
2022-06-15Sold$850,000
2022-05-04Pending sale$850,000
2022-05-03Price change$850,000
2022-04-29Listed for sale$750,000
2018-05-04Sold$395,000
2018-03-08Listed for sale$430,000
2017-12-07Listing removed$315,000
2017-12-01Listed for sale$315,000
2017-03-17Sold$395,000
2016-11-08Listed for sale$409,000

For Sale by Agent

AgentJohn Sutherland
BrokerageREALTY ASSOCIATES OF SANTA ROSA, INC.

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