Pebble Ridge
Homes for Sale in Milton, FL

Pebble Ridge market snapshot (as of September 20, 2026): the median sale price is about $252K ($170 per sq ft over the trailing 12 months of closed sales), and a median 69 days on market for closed sales.

In ZIP 32566 (Milton), 261 homes closed in the last 12 months at a median of $397K ($223/sq ft), down 3.5% year over year, with a median 39 days on market. Right now 64 active and 43 pending listings put supply at about 4.0 months — a healthy market. See the live ZIP 32566 housing market and the Santa Rosa County market.

County records show 3 qualified sales in Pebble Ridge across 2024–2024, median $280,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

Pebble Ridge is a community of 31 homes in Milton, Santa Rosa County, built between 1990 and 2017 (median 1994), with a median living area of about 1,950 square feet. 100% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

A 58-home Milton neighborhood built mostly in the early 1990s, where stable homestead ownership and infrequent turnover mean inventory is a coin flip—either zero listings or a brief window to act.

The $252,500 median reflects a fifteen-year construction window and the condition decisions that come with it. Homes built in 1989 and homes built in 2003 share a ZIP code but not a finish level or deferred-maintenance profile. At roughly 1,989 square feet, the median home here is a three-bedroom ranch or four-bedroom split plan—practical layouts from an era when bonus rooms and open-concept great rooms were still optional upgrades. The $170 per square foot figure rewards updated kitchens, HVAC service history, and roof age; it penalizes original carpet and single-pane windows.

The 69-day median time on market is a function of the small pool and the price sensitivity of the audience. Buyers at $252,500 in Santa Rosa County are comparing Pebble Ridge to newer Gulf Breeze townhomes, post-2010 Pace tract homes, and similar-vintage Navarre subdivisions—all within a fifteen-minute radius. Condition is the tiebreaker. Homes that show well and price to appraisal move in thirty to forty-five days. Homes that need work or test the high end of the range sit past ninety. The current zero-listing snapshot is typical: three closings in ninety days means turnover comes in bursts, not in steady supply.

The 84.5% homestead share is a stability metric, not a liquidity one. Long-term owners mean pride of ownership and lawn care, but they also mean fewer comps and longer gaps between for-sale signs. If you are a buyer waiting for a listing here, you are waiting on someone's retirement or job transfer, not on a builder's release schedule. If you are a seller, you have no direct competition today—but your price still has to reconcile with what sold three months ago and what is available ten minutes away.

Pebble Ridge rewards the agent who knows condition pricing and can read the cadence of a low-turnover subdivision. We track every sale in Santa Rosa County, not just the active listings, so we know what the last three closings paid per square foot and how long they took to appraise. For buyers, that means honest pre-showing guidance on whether a listing is priced to move or priced to sit. For sellers, it means a comparative market analysis that accounts for your roof age, your HVAC service records, and the fact that zero competing inventory does not mean you can ignore the last comp. We will tell you when a price does not work—before you list, not after sixty days on market.

Listings in this community report association dues of about $5 per month — the median AssociationFee across 7 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.