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2430 Cove Rd, Navarre, FL, 32566

5beds
4baths
3,174sqft
$649,900
$205price/sqft
$4,405/moest. monthly cost
$176,200/yrincome needed

About This Home

FOR SALE IN THE DESIRABLE HOLLEY BY THE SEA! Offering 4 bedrooms, home office, 3.5 Bathrooms, 3174 square feet of living space, all on a spacious half acre lot. You'll love the tranquility this location offers with no front facing neighbors. Enjoy all the amenities of Holley by the Sea's multi-million-dollar recreation complex that includes boat launch, swimming pools, lighted clay tennis courts, nearby golf course & work out equipment. Walking inside, you'll be greeted with energizing natural light and high ceilings. The main living area offers a relaxing oversized living room with a formal dining room and breakfast nook off the kitchen. Split floorplan for privacy. The master has its own hallway with an attached full bathroom with his/her walk-in closets. Two guest bedrooms are on another wing of the home with a Jack n Jill full bathroom. Half bathroom off the living room for convenience. The third guest bedroom has a full bathroom with direct access to the covered back porch. There is plenty of storage options with built-in cabinets in the laundry room and the oversized 3 car-garage. 26' Roof, 19' HVAC, 23' Water heater, 26' Grinder pump. Do not miss this chance schedule your home tour today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

7/10
East Bay K-8Grades PK-81.8 mi
5/10
Navarre High SchoolGrades 9-123.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2010

Materials

  • Foundation: Slab
  • Roof: Shingle,Hip
  • Construction materials: Brick,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater,Built In Microwave,Dishwasher,Refrigerator,Self Cleaning Oven
  • Laundry features: W/D Hookups

Bedroom

  • Level: First
  • Area: 187.5

Bedroom1

  • Level: First
  • Area: 133.8333

Bedroom2

  • Level: First
  • Area: 185.4306

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Level: First
  • Area: 185.3889

Features

  • Ceiling Fan(s),High Ceilings,High Speed Internet,Plant Ledges
  • Door features: Insulated Doors
  • Flooring: Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 3,174
  • Total interior livable area: 3,174 sqft

Kitchen

  • Level: First
  • Area: 242.875

Living Room

  • Level: First
  • Area: 513.6597

Master Bedroom

  • Level: First
  • Area: 408.1667

Office

  • Level: First
  • Area: 101.5625

Property

Details

  • Parcel number: 182s261920168000110
  • Zoning description: Res Single

Features

  • Levels: One
  • Stories: 1
  • Pool features: None,Community
  • Patio & porch: Covered
  • Exterior features: Rain Gutters
  • Fencing: Back Yard,Privacy

Lot

  • Lot size: 0.46 Acres
  • Features: Near Golf Course
  • Lot size dimensions: 100X200

Parking

  • Total spaces: 3
  • Parking features: 3 Car Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
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 $3,286$39,432
Home Insurance *$768$9,216
Property Taxes $32$384
Electricity $319$3,833
Total$4,405$52,860
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$151,028/yr
40% on housing$132,150/yr
45% on housing$117,466/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

$205This 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
2026-07-29Price change$649,900
2026-07-11Price change$669,000
2026-06-12Price change$675,500
2026-05-30Listed for sale$699,500
2026-04-24Sold$470,000
2026-04-07Listed for sale$585,000
2020-06-02Sold$345,000
2019-11-27Sold$278,100
2019-11-07Price change$374,000
2019-11-05Price change$389,000
2019-10-16Price change$399,000
2019-09-14Listed for sale$419,000
2018-05-12Listing removed$352,849
2018-04-20Listed for sale--
2017-02-16Listing removed$349,000
2017-01-31Listed for sale$349,000
2010-11-10Sold$319,900
2010-04-27Sold$55,000
2004-11-08Sold$92,900
2004-10-05Sold$55,000
2000-11-08Sold$24,000

For Sale by Agent

AgentSpencer Bradley
BrokerageAmerican Valor Realty LLC

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