




3034 Bay St, Gulf Breeze, FL, 32563
About This Home
Exceptional Gulf Breeze Location with Water Views & Unlimited Potential! Nestled on desirable Bay Street in Gulf Breeze, surrounded by stunning waterfront and luxury homes, this elevated 4-bedroom, 2-bath residence offers a rare opportunity to enjoy one of the area's most sought-after neighborhoods at an attainable price point. Take advantage of the nearby public boat launch just an easy walk away, making it simple to embrace the coastal lifestyle. The home features durable HardiePlank siding, an expansive 27-foot front porch perfect for relaxing and enjoying the neighborhood atmosphere. The kitchen, dining, and living areas flow seamlessly together, creating a spacious gathering space. Elevated on pilings, the home offers a substantial unfinished lower level ready for a new owner's vision. Whether you dream of additional storage, recreational space, hobby areas, or future improvements, the possibilities are endless. A ground-level workshop measuring approximately 26' x 13.9' is already equipped with electricity and provides excellent space for projects, tools, or boating gear. While the home is ready for cosmetic updates, including flooring and interior paint, it presents an outstanding value-add opportunity in a neighborhood where location is everything. Create your own style and build equity while enjoying proximity to the water, boating access, beaches, shopping, and all that Gulf Breeze has to offer. Don't miss this chance to make this property your own.
Getting Around
Schools
Construction
Condition
- Property condition: Construction Complete
- Year built: 2006
Type & Style
- Home type: SingleFamily
- Architectural style: Beach House
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Water Heater
Bathroom
- Level: Second
- Area: 45.55
- Dimensions: 5 x 9.11
Bedroom
- Level: Second
- Area: 185.265
- Dimensions: 16.11 x 11.5
Bedroom
- Level: Second
- Area: 176.85
- Dimensions: 13.1 x 13.5
Bedroom
- Level: Second
- Area: 124.2
- Dimensions: 10.8 x 11.5
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Cooling
- Cooling features: Central Air
Dining Room
- Level: Second
- Area: 289.8
- Dimensions: 23 x 12.6
Features
- Common walls with other units/homes: No Common Walls
Interior Area
- Total structure area: 2,068
- Total interior livable area: 2,068 sqft
Kitchen
- Level: Second
- Area: 218.5
- Dimensions: 19 x 11.5
Master Bathroom
- Level: Second
- Area: 151.42
- Dimensions: 11.3 x 13.4
Master Bedroom
- Level: Second
- Area: 210.09
- Dimensions: 14.1 x 14.9
Workshop
- Level: First
- Area: 364.18
- Dimensions: 26.2 x 13.9
Property
Details
- Parcel number: 312S28464000E000130
- Zoning description: Resid Single Family
Features
- Stories: 2
- Has view: Yes
- View description: Sound
- Has water view: Yes
- Water view: Sound
Lot
- Lot size: 0.31 Acres
- Lot size dimensions: .31 acres
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
- Lightning
- Coastal Flooding
- Cold Wave
- Heat Wave
- Tornado
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Santa Rosa County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,654 | $31,848 |
| Home Insurance * | $200 | $2,400 |
| Property Taxes | $504 | $6,048 |
| Electricity | $208 | $2,497 |
| Total | $3,566 | $42,792 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-11 | Listed for sale | $525,000 |
| 2002-08-02 | Sold | $126,600 |
For Sale by Agent
