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7476 Sunset Harbor Dr APT 423, Navarre, FL, 32566

3beds
2baths
1,028sqft
$399,000
$388price/sqft
$3,172/moest. monthly cost
$126,880/yrincome needed

About This Home

Beautifully Furnished Updated 2nd Floor Unit in Sunset Harbour Villas! This 3 bedroom, 2 bath condo is perfect for your primary residence, or investment property (short term rentals allowed). All new Beautiful luxury vinyl flooring throughout. New Ceiling Fans for great air flow. Move in Ready with ALL NEW Kitchen appliances and Granite Counter tops, HVAC replaced in 2020 plus a brand new Water Heater. Sit out on your balcony and enjoy the ocean breeze, or take just a short walk (less than 5 minutes) to the Gulf of Mexico. Enjoy the Island Life, as you walk for miles along the white sandy beaches, or enjoy the paved Bike Path or kayak, Fish or paddle board in the Santa Rosa Sound. Unit Also includes use of a Club House for family gatherings and Grills by the Pool.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

7/10
5/10
Navarre High SchoolGrades 9-124.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1999

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Concrete

Type & Style

  • Home type: Condo
  • Architectural style: Mediterranean
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Electric Water Heater,Dryer,Washer,Built In Microwave,Dishwasher,Disposal,Refrigerator
  • Laundry features: Inside,W/D Hookups

Bedroom

  • Level: First
  • Area: 120

Bedroom1

  • Level: First
  • Area: 120

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s)
  • Window features: Blinds

Heating & Cooling

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

Interior Area

  • Total structure area: 1,028
  • Total interior livable area: 1,028 sqft

Kitchen

  • Level: First
  • Area: 120

Living Room

  • Level: First
  • Area: 221

Master Bedroom

  • Level: First
  • Area: 143

Property

Details

  • Parcel number: 282s269402000004230
  • Zoning description: County,Res Single
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Private pool: Yes
  • Pool features: In Ground,Community
  • Exterior features: Balcony
  • Has view: Yes
  • View description: Sound
  • Has water view: Yes
  • Water view: Sound

Lot

  • Lot size: 0.46 Acres
  • Lot size dimensions: 100 X 200

Parking

  • Parking features: 1 Space/Unit,RV/Boat Parking

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 $2,017$24,204
Home Insurance *$471$5,652
Property Taxes $487$5,844
Electricity $197$2,366
Total$3,172$38,064
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,754/yr
40% on housing$95,160/yr
45% on housing$84,586/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

$388This listing

vs Other Active Listings

Avg $/sqft

ZIP 32566$307
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
2026-02-03Price change$399,000
2025-11-15Listed for sale$405,000
2020-10-23Sold$305,000
2020-09-04Price change$320,000
2020-08-16Listed for sale$325,000

For Sale by Agent

AgentMichael Simpson
BrokerageColdwell Banker Realty

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