3875 Cape San Blas Road B3, Cape San Blas, FL 32456
3875 Cape San Blas Road B3 in Cape San Blas is listed at $650,000. It has been listed Sep 21, 2026. Listing facts: built in 1987, HOA dues of $300/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- Built 1987 · 39 yrs
- listed Sep 21, 2026
- HOA $300/mo (per listing)
About this home
WELCOME TO 3875 CAPE SAN BLAS RD (UNIT B-3), KNOWN AS ''THE HIDDEN PEARL.'' Located in the highly sought-after North Cape area, this 3-bedroom, 2.5-bathroom townhome offers a rare dual-waterfront experience. Here, you are close enough to the water to wake up to breathtaking, vibrant sunrises over St. Joseph Bay and end your evenings watching spectacular, unobstructed sunsets dip into the Gulf.
Whether you are looking for a private seaside retreat or a lucrative, turn-key addition to your portfolio, this 1,512-square-foot (2,624 sqft total) furnished beach townhome delivers the ultimate coastal lifestyle! FOR ANYONE WATCHING THE CAPE, THE MONUMENTAL 2026 BEACH NOURISHMENT PROJECT IS A GAME-CHANGER. Learn more about the Beach Project here: www.sjpbeach.com/sjpstructures.html Roughly 830,000 cubic yards of fresh, pristine sand has already been successfully placed along the shoreline just north of Stumphole, and crews are staging the rock for the final phase: eight strategically placed, submerged breakwaters.
These innovative, nature-based structures are designed to hold the new sand on the beach much longer, absorb wave energy, and drastically slow natural erosion, actively protecting the coastline and cementing the long-term value of your investment on the Forgotten Coast. These rocks have been moved! THE LIFESTYLE ON THE CAPE IS UNMATCHED, OFFERING A PERFECT BLEND OF OLD FLORIDA TRANQUILITY AND OUTDOOR ADVENTURE.
Spend your late summers snorkeling and scalloping in the shallow waters of the bay, or explore the nearby state parks renowned for their diverse wildlife, sea turtle nesting, and towering dunes. When you are ready to venture out, you are just a short, scenic drive from the historic charm of Port St. Joe, Windmark, and the beautiful coast of Mexico Beach.
Spend afternoons strolling under coastal oaks, browsing the boutique shops along Reid Street, and capping off the evening with world-class local seafood at staples like Hunt's Oyster Bar. SOLD FULLY FURNISHED, THE HOME'S LAYOUT IS PERFECTLY OPTIMIZED FOR ENTERTAINING AND RELAXATION. The spacious, open-concept living area on the main level flows seamlessly onto a large screened-in porch, creating the perfect spot to enjoy the coastal breeze.
The fully stocked kitchen boasts fantastic bay views, plenty of prep space, and a convenient breakfast bar, while a large dining table and a half-bath complete this main entertaining floor. THE TOP FLOOR IS DEDICATED TO REST, FEATURING A MASTER SUITE WITH A KING-SIZE BED, A PRIVATE EN-SUITE BATHROOM, AND ACCESS TO A PRIVATE, OPEN SUNDECK. This vantage point offers some of the most stunning, elevated views of the Gulf that you will ever find, allowing you to drift to sleep listening to the sound of crashing waves.
Down the hall, the Bayside bedroom offers a queen bed and its own private balcony overlooking the calm waters of the St. Joe Bay, while the third bedroom features a versatile duo bunk (double bottom, twin top) to easily accommodate guests. These two rooms share a full hallway bathroom, and covered under-house parking provides ample space for your vehicle.
AS A TURN-KEY PROPERTY CURRENTLY THRIVING, ''THE HIDDEN PEARL'' BOASTS A PROVEN, HIGHLY CONSISTENT REVENUE HISTORY. Generating $76,000 in gross rental income in 2022 and $46,275 in 2023, the strong performance continued with $56,226 across 220 booked nights in 2024, and $52,678 over 208 booked nights in 2025. For the 2026 season year-to-date through mid-June, the home has already secured $27,143 across 100 nights.
This is as close as you can get to the beach without the beachfront price tag, representing a seamless blend of personal enjoyment and reliable passive income, with all the modern upgrades!
All 69 photos
Description provided by CENTURY 21 Ryan Realty Inc and reproduced from the MLS; not independently verified.
Comparable recent sales
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for Cape San Blas, FL. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $3,523/mo 69%
- Taxes $948/mo 19%
- Insurance $348/mo 7%
- HOA $300/mo 6%
$5,119/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Central Panhandle AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 3875 Cape San Blas Road B3
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $4,825/yr (certified county roll, taxable value × millage). Buy at the asking price of $650,000 and the first-year bill resets to about $11,375/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 18.96 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | $300/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| Home and flood insurance | The average Citizens Property Insurance premium in Gulf County is $2,147/yr (74 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $3,000–$6,000/yr; neither is a quote. |
| Roof and age | Built in 1987. An original roof would be about 39 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Estimated carrying cost at the asking price, before the mortgage: about $1,427/month (tax $948, HOA $300, insurance $179). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Gulf County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Natural hazard risk
FEMA National Risk Index for Gulf County, FL: overall Relatively Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
This home’s history
- 1987BuiltPer public record
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
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Listed by CENTURY 21 Ryan Realty Inc · MLS # 791340
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Similar homes for sale near Cape San Blas
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
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More on Gulf County
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Browse market data, schools, taxes, and homes for sale across the county.
Assigned schools
Schools currently assigned to this address in Gulf County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Median price, days on market and supply from MLS data.
View →Buyer research checklist
Items worth confirming for 3875 Cape San Blas Road B3, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1987 (39 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- HOA dues are listed at $300/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Gulf County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Confirm square footage and room dimensions independently.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $11,375/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $6,550 more per year than the current owner’s estimated bill (+136%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | CPAR, checked against the MLS hourly (last: November 11, 2026) |
| Comparable sales | Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of CPAR records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 3875 Cape San Blas Road B3 and when was it built?
Per the listing record, 3875 Cape San Blas Road B3 was built in 1987 and has 3 bedrooms and 3 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3875 Cape San Blas Road B3 in?
3875 Cape San Blas Road B3 is in Cape San Blas, Gulf County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 3875 Cape San Blas Road B3 have an HOA, and how much are the dues?
The listing reports HOA dues of $300 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 3875 Cape San Blas Road B3 differ from the current owner's?
The estimate on this page (about $11,375 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $6,550 more per year than the current owner’s estimated bill (+136%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3875 Cape San Blas Road B3 in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 3875 Cape San Blas Road B3 in person
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Central Panhandle Association of REALTORS® Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Central Panhandle Association of REALTORS®. © 2026 Central Panhandle Association of REALTORS®, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.