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8577 Gulf Blvd APT 405, Navarre, FL, 32566

3beds
3baths
1,397sqft
$936,000
$670price/sqft
$6,914/moest. monthly cost
$276,560/yrincome needed

About This Home

3 bedrooms | 3 bathrooms | 1,397 sq ft Your Navarre Beach oasis awaits. This beautifully updated and fully furnished 3-bedroom, 3-bath condo offers stunning Emerald Coast views from an open-concept living space with floor-to-ceiling windows and access to a wrap-around balcony. Turnkey condition, smart-home upgrades, and a prime location make this an exceptional primary residence, second home, or investment opportunity. The 1,397 sq ft interior features luxury vinyl plank flooring throughout (2022), LED lighting upgrades, and a bright, open layout ideal for coastal living. The updated kitchen includes granite countertops, stainless steel appliances (refrigerator 2020; stove, oven, microwave, and dishwasher 2022), and custom under- and over-cabinet lighting (2023). The kitchen and appliances are fully integrated into a smart home system with a WiFi-controlled thermostat, stove, microwave, and refrigerator. The living room is tastefully furnished with a power-reclining leather sofa and loveseat (2021). This unit has been upgraded with smart security features, including monitored entry points, WiFi-enabled programmable deadbolts, a video doorbell, and smart leak sensors and water monitors throughout. The primary suite features floor-to-ceiling sliding glass doors with secondary access to the balcony and panoramic Gulf, pier, and sound views, where dolphins are frequently seen. The primary bedroom includes a king-size mechanical bed (2020), walk-in closet, and ensuite bath with dual vanities, granite countertops, soaking tub, separate shower, and new mirrors (2022). Two additional bedrooms each include their own full bathrooms. Additional highlights include fresh interior paint (2022), HVAC replaced in 2019, owner’s storage closet, and a dedicated laundry area with washer and dryer. Located near restaurants, pubs, and a convenience store, with walking and biking paths directly across the parking lot. A new condo-exclusive beach access boardwalk is scheduled for January 2026.

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
51
BikeBikeable

Schools

7/10
5/10
Navarre High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 2000

Materials

  • Roof: Metal

Type & Style

  • Home type: Condo

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Garbage disposal,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Flooring: Laminate

Heating & Cooling

  • Heating features: Forced air,Heat pump
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,397 sqft

Property

Details

  • Parcel number: 282S269370000000405

Features

  • Exterior features: Cement / Concrete
  • Has spa: Yes
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water

Parking

  • Total spaces: 5
  • Parking features: None

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 $4,732$56,784
Home Insurance *$1,106$13,272
Property Taxes $879$10,548
Electricity $197$2,366
Total$6,914$82,968
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$237,051/yr
40% on housing$207,420/yr
45% on housing$184,373/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

$670This listing

vs Other Active Listings

Avg $/sqft

ZIP 32566$305
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
2026-05-04Price change$935,000
2026-04-19Price change$930,000
2025-12-30Listed for sale$935,000
2025-09-24Listing removed$999,900
2025-01-24Listed for sale$999,900
2024-05-07Listing removed--
2024-02-09Listed for sale$1,199,000
2023-08-28Sold$935,000
2023-08-18Pending sale$990,000
2023-06-23Listed for sale$990,000
2021-03-24Listing removed--
2019-04-29Sold$549,900
2019-03-24Pending sale$549,900
2019-02-28Listed for sale$549,900

For Sale by Owner

AgentProperty Owner

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