673 days on marketSingle Family Residence▼ Price cut: $40,000 (8/15)
$955,000
4-Bedroom Home in Village At Navarre
1412 Sonata Ct, Navarre Beach, FL 32566
Single Family Residence in Village At Navarre, Navarre Beach · No CDD
Village At Navarre · Navarre Beach, FL 32566 · Santa Rosa
Listing data updated September 20, 2026 · refreshed twice daily
4Bedrooms
3.5Bathrooms
2,242Sq Ft
1991Year Built
$426Per Sq Ft
2-car garageNo CDD4 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$426 here vs $426 median sold (12 mo)
Buyer leverage
Strong buyer advantage
673 days on market
12.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~4 ft elevation
$4k–$8k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 20, 2026, 1412 Sonata Ct in Village At Navarre, Navarre Beach is listed at $955,000 (2,242 sq ft, about $426 per sq ft). That sits within a few percent of Village At Navarre's median closed sale of $955,000 over the last 12 months (1 recorded sales). It has been 673 days on market. Listing facts: built in 1991, HOA dues of $122/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1991 · 35 yrs
2,242 sq ft of living area
2-car garage
673 days on market
HOA $122/mo (per listing)
Property timeline
This home’s history
1991BuiltPer public record
Jul 2, 2026First trackedObserved at $995,000
Aug 15, 2026Price cut$955,000
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.
Financing
Estimated monthly payment
$6,500/mo
Principal & interest $5,057/mo78%
Taxes $836/mo13%
Insurance $485/mo7%
HOA $122/mo2%
$6,500/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Estimated from today’s asking price and current Santa Rosa County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $8,200/yr ($683/mo)
+$3,400 more each year
(+41%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$75,524
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.
Sources: Florida DOR certified tax roll (2025), Pensacola MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
41/100
Strongest on: Price vs area (50), Affordability (50)
0 limited50100 exceptional
41/100 is below average 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 area50
This home $426/sq ft vs the community 12-month median $426/sq ft.
Affordability50
List price $955,000 vs the community median $955,000. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~4 ft elevation. Verify the parcel with FEMA.
Insurance cost28
From FEMA Zone AE and a 1991 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~12.0 months of supply (12-month record).
Renovation upside40
From a 1991 build and $426/sq ft vs the community median $426/sq ft. Not a condition assessment.
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.
🟡 Asking $426 per square foot, about in line with the community’s $426 median. Village At Navarre’s 12-month median sold price per square foot is $426. Confidence: Low · 1 closed sales in 12 monthsMLS facts: Pensacola MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
27% of homes in Village At Navarre are owner-occupied. An estimated 73% are non-owner-occupied, including 23% held in a company or trust and 60% 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), 29 homes matched. Community-level context.
What’s unique here: one of only 1 active listings in Village At Navarre, no CDD assessment.
Updated September 20, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to Sonata Sunset: a beautiful, Fully Furnished, Move-in Ready, 4 Bedroom, 3.5 Bath home in the highly sought after Village at Navarre. This sound side community has a community pool and a dedicated walk way to the Santa Rosa Sound. Plus, directly across from the neighborhood is a dedicated boardwalk leading directly to the white sandy beaches and emerald waters of Navarre Beach.
Sonata Sunset boasts a Mediterranean style home with multi-level decking and the convenience of an elevator to all 3 levels. The main living area on the 2nd floor has lots of natural lighting and leads out to a covered balcony on the north side and a large open deck on the south side. This area features heavy crown molding, tile floors, and is tastefully decorated throughout.
The large kitchen and dining area features Custom cabinets, Granite countertops, a double sink, Stainless Steel appliances, an island cooktop and breakfast bar and tile floor makes this a chef's dream. The Dining area has a large table and sits 8 comfortably which is perfect for entertaining. This main floor also has a half bath, dedicated laundry and a bedroom with full bath and access to the back open deck.
The Master Bedroom is located on the 3rd floor and features two walk in closets, a private balcony and an ensuite bathroom with a deep soaking tub, a separate large tiled shower, a double vanity and separate water closet. Also located on the 3rd floor are two additional bedrooms and a full bathroom. Continue up to a Cupola with views of the Gulf of Mexico!
A futon doubles as a couch to watch some TV or a bed for additional guests. The Ground level 2 car garage has plenty of room and storage for all your beach toys with large extra storage area. There is an outside shower located on the side of the house to rinse off all the sand from a fun day at the beach!
Call today for a private showing of Sonata Sunset
All 57 photos
Description provided by La Florida Coastal Properties, LLC and reproduced from the MLS; not independently verified.
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$955,000
Bed / bath4 / 3.5
Living area2,242 sq ft
Year built1991
Property typeSingle Family Residence
Garage2-car
MLS #653779
Listing status673 days on market
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~4 ft
Windstorm exposureLow
CountySanta Rosa
Area listings1 active · 0 under contract
Estimated first-year tax~$10,028/yr
CDD assessmentNone on record
HOA (per listing)$122/mo
Calculated estimates
Price per sq ft$426
Estimated monthly payment$6,500
Insurance (illustrative)$4k–$8k/yr
Comparable-sales median$955,000
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
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$840,750the mess$1,069,434
Actual list price: $955,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1991 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $122/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
1 active listing competing
≈12.0 months of supply
1 closed here in the last 12 months
For reference, this home is listed at $955,000 ($426/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,242 sq ft × $375–$477/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 20, 2026.
Keep looking
Similar homes for sale near Village At Navarre
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.
8212 Tbb Gulf Blvd, Navarre Beach · $2,950,000 · 5 bd / 6.5 ba · listed September 19, 2026 (courtesy of CAROL BROWN FAMILY REAL ESTATE PA)
7401 Tbb Grand Navarre Blvd, Navarre Beach · $2,450,000 · 5 bd / 6.5 ba · listed September 11, 2026 (courtesy of CAROL BROWN FAMILY REAL ESTATE PA)
7781 Gulf Blvd, Navarre Beach · $3,679,900 · 9 bd / 7.0 ba · listed September 11, 2026 (courtesy of CAROL BROWN FAMILY REAL ESTATE PA)
7339 Grand Navarre Blvd, Navarre Beach · $1,300,000 · 3 bd / 2.5 ba · listed September 8, 2026 (courtesy of Compass Florida LLC)
8436 Gulf Ave #624, Navarre Beach · $425,000 · 3 bd / 2.0 ba · listed September 8, 2026 (courtesy of Levin Rinke Realty)
7369 Grand Navarre Blvd, Navarre Beach · $975,000 · 4 bd / 3.0 ba · listed September 1, 2026 (courtesy of Levin Rinke Realty)
Transparency
Price & listing history
Listed for $955,000Momentum Realty · on market 673 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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.
Property tax (first-year est.)
~$10,028/yr
A rough first-year estimate only, applying a typical Santa Rosa rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$4k–$8k/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 zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$122/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~4 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 1412 Sonata Ct?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by La Florida Coastal Properties, LLC · MLS # 653779
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Market data · public records
Recent sales activity in Village At Navarre
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 Village At Navarre neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$955,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$426
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Village At Navarre
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
Goldring Gulf Distributing plans expansion at Milton facility
Goldring Gulf Distributing filed plans to add 76,400 square feet to its existing 192,000 square foot beverage distribution facility in the Santa Rosa County Industrial Park in East Milton. The expansion would grow the company's footprint in Northwest Florida.
Why it matters: Enlarges an established industrial and distribution operation within the Santa Rosa County Industrial Park and expands the county's industrial base. The project is about 16 miles north of Village At Navarre, elsewhere in Santa Rosa County.
Circle K convenience store planned for Navarre Parkway
Plans for a Circle K convenience store with a gas canopy were submitted to Santa Rosa County in May 2026 for a site at 8510 Navarre Parkway. The proposal is under review by county development services.
Why it matters: Adds a fuel and convenience retail option along the Navarre Parkway commercial corridor and expands roadside services in the local market. The site is less than a mile east of Village At Navarre.
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.
GRADEB
Holley NavarreAssigned elementary school · Santa Rosa County School District · Grade B (Florida DOE 2025-26)
GRADEB
HOLLEY NAVARREAssigned middle school · Santa Rosa County School District · Grade B (Florida DOE 2025-26)
GRADEA
NavarreAssigned 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 →
How it stacks up
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.
If you rent it out
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.
Estimated rent$4,377 – $6,367/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.3%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$2,244 – −$453At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 1412 Sonata Ct, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1991 (35 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 $122/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
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 2,242 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 $10,028/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
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 1412 Sonata Ct and when was it built?
Per the listing record, 1412 Sonata Ct was built in 1991 and has 2,242 sq ft of living area, 4 bedrooms and 3.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 1412 Sonata Ct in?
1412 Sonata Ct is in Village At Navarre in Navarre Beach, Santa Rosa County. The community section on this page shows recent closed sales, days on market, and active inventory for Village At Navarre from the same MLS data.
Does 1412 Sonata Ct have an HOA, and how much are the dues?
The listing reports HOA dues of $122 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 1412 Sonata Ct differ from the current owner's?
The estimate on this page (about $10,028 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so 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.
Is 1412 Sonata Ct in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
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
See 1412 Sonata Ct 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.
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.
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.
