440 Regatta Bay Boulevard, Destin, FL 32541
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
- No CDD assessment on record
- Built 2014 · 12 yrs
- 3-car garage
- 25 days on market
- HOA ~$50/mo (estimate; confirm)
Pricing & the REGATTA BAY market
How this home is priced against recent nearby sales, and where REGATTA BAY has been over 25 years. Momentum Research analysis of emeraldcoast records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Median sale price by year
12-month median closed price, 2013–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2014–2026. Now 41 (normal).
This home’s history
- 2014BuiltPer public record
- NowActiveCurrently for sale
Build year is from public record. Listing 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.
Estimated monthly payment
- Principal & interest $9,572/mo 80%
- Taxes $1,653/mo 14%
- Insurance $654/mo 5%
- HOA $50/mo 0%
$11,929/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
69/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
60% of homes in REGATTA BAY are owner-occupied. An estimated 40% are non-owner-occupied, including 37% held in a company or trust and 12% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 301 homes matched. Community-level context.
Recent REGATTA BAY sales closed near 91.4% of original asking. Cash paid for about 0% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending July 25, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 19 active listings in REGATTA BAY, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated July 26, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Welcome to 440 Regatta Bay Blvd, a beautiful single-level home located within the prestigious, gated golf course community of Regatta Bay. Situated on a golf course lot, this extensively renovated residence offers the ideal blend of luxury, functionality and relaxed coastal living. Spanning approximately 3,644 square feet of living space, this thoughtfully designed home features 5 bedrooms, 3.5 bathrooms and an expansive open-concept floor plan.
With extensive renovations completed between 2019-2026, this property has been meticulously enhanced with high-end finishes, modern systems and designer touches throughout. From the moment you arrive, the home makes a striking impression with beautiful, updated landscaping, fresh exterior paint and a welcoming entry that reflects the quality found inside. A climate controlled 3-car garage provides multi-functional use, ample parking, plenty of storage and a Level 2 EV charging port.
Step through the front door into a light-filled interior where high ceilings, updated finishes and an open layout create a sense of comfort and sophistication. The heart of the home is the chef-inspired, fully updated customized kitchen. This showstopping space features custom cabinetry, an island with a prep sink, leathered granite countertops and a large ceramic farmhouse sink.
A professional-grade 48-inch gas range with double ovens anchors the space, making it ideal for entertaining! Adjacent to the kitchen, the spacious living area serves as a central gathering place, enhanced by a newly installed designer fireplace that adds warmth and a modern focal point. The primary suite is a true retreat.
The renovated ensuite bath reflects a spa-like aesthetic, featuring a beautifully retiled walk-in shower, a new double vanity and updated finishes. Four additional bedrooms provide exceptional flexibility for family, guests, or work-from-home needs. One bedroom includes its own ensuite bath, offering privacy ideal for guests or multigenerational living.
Additional updates to both the ensuite and powder bath ensure consistency in design and quality throughout the home. Step outside to experience one of the property's most compelling features, the private outdoor oasis. A custom heated saltwater pool, completed with a screened enclosure and paver decking, creates the perfect environment for year-round enjoyment.
Whether you're hosting poolside gatherings, enjoying quiet evenings under the lanai or soaking in the Florida sunshine, this space is designed for both relaxation and entertainment. The large, fully fenced backyard is a rare find within a golf course setting, offering both privacy and space--ideal for pets, play or future customization. Beyond the fence line, the home enjoys peaceful golf course views.
This property has also been significantly upgraded with major system improvements, providing peace of mind for years to come. Highlights include a new HVAC system, a tankless water heater for energy efficiency and endless hot water and updated interior and exterior paint. Regatta Bay is a serene, gated community that seamlessly blends golf and boating, offering a lifestyle that is truly unparalleled!
The essence of the Regatta Bay Lifestyle revolves around convenience, allowing residents to easily access numerous enjoyable destinations within minutes via golf cart, including the beach! Within the community, residents can indulge in golf, swimming, tennis, pickleball, parks, playgrounds, the Regatta Bay Clubhouse, Legendary Marine, and Legendary Yacht Club. Furthermore, Regatta Bay features a private road that leads directly to the Destin Commons, where an array of popular retail stores for both men and women awaits, alongside a diverse selection of restaurants, Whole Foods, Bass Pro, Lowes, an AMC movie theater, and Uncle Buck's Bowling-all easily reachable by golf cart.
Regatta Bay is centrally located offering easy access to the airport and only a few miles from Northwest Florida's finest hospital. Schedul…
Description provided by Legendary Realty LLC and reproduced from the MLS; not independently verified.
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
Similar homes for sale near Regatta Bay
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.
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS. Run --online for a live reading.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
Recent sales activity in Regatta Bay
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Regatta Bay neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Regatta Bay
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Okaloosa 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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
- Confirm roof age and condition during inspection.
- Confirm HVAC age and condition during inspection.
- Request current HOA documents before relying on dues or restrictions.
- Obtain an insurance quote for this specific property.
- Confirm school zoning directly with the district.
- Order a survey to confirm lot boundaries.
- Review permit history with the county.
- Confirm whether flood insurance is required for this parcel.
- Confirm square footage and room dimensions independently.
- Ask the county how property taxes may change after a sale.
Approximate distances
Approximate drive times for 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.
View →Data sources & freshness
| Listing record | realMLS, refreshed twice daily (last: July 26, 2026) |
| Community market stats | realMLS closed sales, as of July 25, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| 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 realMLS 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
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and 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 440 Regatta Bay Boulevard in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
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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 a typical county millage rate to the list price 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.
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 and we will review and correct or remove it promptly.
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.
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 Emerald Coast 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: Emerald Coast Association of REALTORS®. © 2026 Emerald Coast 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. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.