Under ContractSingle Family Residence▼ Price cut: $20,000 (11/5)
$519,000
3-Bedroom Home in Casablanca
103 San Carlos Ave, Gulf Breeze, FL 32561
Single Family Residence in Casablanca, Gulf Breeze
Casablanca · Gulf Breeze, FL 32561 · Santa Rosa County
Listing data checked against the MLS November 14, 2026 at 8:32 PM ET · rechecked hourly
Listed by Berkshire Hathaway Home Services PenFed Realty (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2Bathrooms
2,029Sq Ft
1952Year Built
$256Per Sq Ft
3-car garageFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
35% below
$/sq ft vs community
$256 here vs $391 median sold (12 mo)
Buyer leverage
Strong seller market
18 days on market
1.2 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~11 ft elevation
$2k–$5k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
103 San Carlos Ave in Casablanca, Gulf Breeze is listed at $519,000 (2,029 sq ft, about $256 per sq ft). It has been listed Oct 27, 2026. Listing facts: built in 1952, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
Built 1952 · 74 yrs
2,029 sq ft of living area
3-car garage
Listed at $519,000 — recent neighborhood median sale price ~$915,000 (nearby sales; deemed reliable, not an appraisal)
listed Oct 27, 2026
No HOA reported by the listing (confirm)
Listing description
About this home
Charming Southern-style home in the heart of Gulf Breeze Proper! Enjoy the best of coastal living with no HOA and no flood insurance required! Inside, you'll find beautiful hardwood floors, plantation shutters, and classic details throughout.
The inviting kitchen features granite countertops, gas cooking, stainless appliances, and a generous eat-in area perfect for gathering with family and friends. Just off the kitchen, a spacious brand-new full bath, large laundry room, and adjoining pantry provide added convenience and storage. Step outside to beautifully landscaped grounds offering privacy, a spacious open-air deck ideal for relaxing or entertaining, and an adjoining sunroom that provides a comfortable, light-filled retreat to enjoy year-round.
An outdoor built-in fire pit creates the perfect gathering spot for cool evenings and making memories. An outdoor storage shed adds even more functionality. The oversized garage with workshop and versatile heated and cooled bonus room offer endless possibilities for hobbies, storage, or home office.
Notable updates include PGT WindGuard hurricane-rated windows, a 3-ton HVAC system, updated attic and crawlspace ductwork, electrical service panel and wiring improvements, replumbed water and gas lines, an exterior tankless water heater, fiberglass doors, security lighting, and a 50-amp RV hookup or dedicated boat pad. Located in the desirable Gulf Breeze school district, this home is within walking distance of Shoreline Park and offers convenient access to the golf cart path, shopping, dining, downtown Pensacola, and the beautiful Gulf Coast beaches. Full of character, thoughtful improvements, and an exceptional location, this Gulf Breeze gem is ready to welcome you home!
All 37 photos
Description provided by Berkshire Hathaway Home Services PenFed Realty and reproduced from the MLS; not independently verified.
6 closed sales in Casablanca in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Aug 2026
$415,000
416 Norwich Dr, Gulf Breeze
3 / 2 bd/ba · 1,778 sq ft · $233/sq ft
Courtesy of Engel & Volkers Pensacola · View details →
Sold Aug 2026
$415,000
416 Norwich Dr, Gulf Breeze
3 / 2 bd/ba · 1,778 sq ft · $233/sq ft
Courtesy of Engel & Volkers Pensacola · View details →
Sold Aug 2026
$915,000
127 Highpoint Dr, Gulf Breeze
4 / 2.5 bd/ba · 2,342 sq ft · $391/sq ft
Courtesy of Haus Realty & Management LLC · View details →
Sold Aug 2026
$915,000
127 Highpoint Dr, Gulf Breeze
4 / 2.5 bd/ba · 2,342 sq ft · $391/sq ft
Courtesy of Haus Realty & Management LLC · View details →
Sold Oct 2026
$1,630,000
326 N Sunset Blvd, Gulf Breeze
4 / 2.5 bd/ba · 2,464 sq ft · $662/sq ft
Courtesy of Kuhn Realty · View details →
Sold Oct 2026
$1,630,000
326 N Sunset Blvd, Gulf Breeze
4 / 2.5 bd/ba · 2,464 sq ft · $662/sq ft
Courtesy of Kuhn Realty · View details →
Median of these 6 sales: $915,000 ($391/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
Property facts & sources
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
List price$519,000
Bed / bath3 / 2
Living area2,029 sq ft
Year built1952
Property typeSingle Family Residence
Garage3-car
MLS #690126
Listing statusUnder Contract
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~11 ft
CountySanta Rosa
Area listings5 active · 4 under contract
Estimated first-year tax~$6,000/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$256
Estimated monthly payment$3,575
Insurance (illustrative)$2k–$5k/yr
Messtimate range$472,757 – $1,343,198
Comparable-sales median$915,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$3,575/mo
Principal & interest $2,793/mo78%
Taxes $500/mo14%
Insurance $282/mo8%
$3,575/mo at 20% down, 30-yr @ 7.11% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Santa Rosa County rate (12.81 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property 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.
Current owner’s estimated bill $4,350/yr ($362/mo) — taxable value $340,589 × 12.81 mills
$1,650 more each year
(+38%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$93,664
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$434,253
Market value
$391,311
Assessed
$340,589
Taxable
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.
Sources: Florida DOR certified tax roll (2025), Pensacola MLS; 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 103 San Carlos Ave
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 $4,350/yr (certified county roll, taxable value × millage). Buy at the asking price of $519,000 and the first-year bill resets to about $6,000/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 12.81 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
HOA dues
The listing states there is no HOA.
Home and flood insurance
The average Citizens Property Insurance premium in Santa Rosa County is $2,444/yr (876 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 $2,500–$5,000/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 1952. An original roof would be about 74 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 $704/month (tax $500, insurance $204). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
Not reported
The MLS listing does not report a CDD amount. Many Florida communities have one; it shows on the county tax bill — confirm with the tax collector or the listing agent.
Insurance (illustrative range)
$2k–$5k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~11 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Santa Rosa 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)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Santa Rosa County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Low
DroughtRelatively Low
HailRelatively Low
Cold waveRelatively Moderate
Winter weatherRelatively Low
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
Connectivity
Internet & broadband
Fiber
Check availability
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
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · casa blanca
Pricing & the casa blanca market
How this home is priced against recent nearby sales, and where casa blanca has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
1952BuiltPer public record
About Oct 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Oct 25, 2026)
Oct 25, 2026First seen on our siteObserved at $539,000
Nov 5, 2026Price cut$519,000 (-$20,000, -3.7%)
NowUnder contractActive under contract
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.
Transparency
Price & listing history
Listed for $519,000Berkshire Hathaway Home Services PenFed Realty · listed Oct 27, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
83/100
Strongest on: Price vs area (100), Affordability (100)
0 limited50100 exceptional
83/100 is strong 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.
Price vs area100
This home $256/sq ft vs the community 12-month median $391/sq ft.
Affordability100
List price $519,000 vs the community median $915,000. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~11 ft elevation. Verify the parcel with FEMA.
Insurance cost50
From FEMA Zone X and a 1952 build. Obtain a property-specific quote.
Market liquidity73
Community inventory, ~1.2 months of supply (12-month record).
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 1.2 months of supply in the surrounding market and 18 days on market for this home, against a 47-day area median.Days on market:this home 18Area median: 47 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2026 through 2026. As of November 13, 2026.
🟡 Asking $256 per square foot, about 35% below the community’s $391 median. casa blanca’s 12-month median sold price per square foot is $391. MLS facts: Pensacola MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: one of only 5 active listings in casa blanca, no CDD assessment.
Checked against the MLS November 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Berkshire Hathaway Home Services PenFed Realty · MLS # 690126
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Keep looking
Similar homes for sale near Casablanca
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Aug 2026 · Development
AECOM Hunt selected as construction manager for proposed $2.3 billion Rays ballpark in Tampa
AECOM Hunt joined the design team led by Populous for the proposed ballpark on a site that includes Hillsborough College property. The stadium would have at least 28,000 fixed seats, with a construction start targeted for September 2026 and completion by late 2028. Tampa's public contribution is up to $80 million and financing is not finalized.
Why it matters: A large ballpark and surrounding mixed-use district would add construction jobs, event traffic and retail demand on the Dale Mabry corridor. The site is about 6 miles northeast of Casablanca.
Four firms vie to build Tampa International Airport's $150 million control tower
TPA narrowed the field to four builders for a new blast-resistant air traffic control tower on about 2 acres northwest of the main terminal. The budget is about $150 million, with board selection expected Oct. 1 and substantial completion targeted for March 2029.
Why it matters: Airport capital spending supports construction employment and long-term air service capacity for the region. The site is about 3 miles northeast of Casablanca.
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.
Schools currently assigned to this address in Santa Rosa 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.
GRADEA
Gulf BreezeAssigned elementary school · Santa Rosa County School District · Grade A (Florida DOE 2025-26)
GRADEA
GULF BREEZEAssigned middle school · Santa Rosa County School District · Grade A (Florida DOE 2025-26)
GRADEA
Gulf BreezeAssigned high school · Santa Rosa County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 103 San Carlos Ave, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1952 (74 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Santa Rosa County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 2,029 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $6,000/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,650 more per year than the current owner’s estimated bill (+38%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
Pensacola MLS, checked against the MLS hourly (last: November 14, 2026)
Comparable sales
Pensacola MLS closed sales in Casablanca, last 18 months, as of November 13, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
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 Pensacola MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 103 San Carlos Ave and when was it built?
Per the listing record, 103 San Carlos Ave was built in 1952 and has 2,029 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 103 San Carlos Ave in?
103 San Carlos Ave is in Casablanca in Gulf Breeze, Santa Rosa County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 103 San Carlos Ave have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 103 San Carlos Ave differ from the current owner's?
The estimate on this page (about $6,000 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,650 more per year than the current owner’s estimated bill (+38%). 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 103 San Carlos Ave in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; 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.
Ready when you are
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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 Multiple Listing Service of the Pensacola Association of REALTORS®. 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: Multiple Listing Service of the Pensacola Association of REALTORS®.
Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited. All rights reserved.
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.
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1 / 1 photosListing courtesy of Berkshire Hathaway Home Services PenFed Realty
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
