Single Family Residence in Bay Woods, Gulf Breeze · No CDD on record
Bay Woods · Gulf Breeze, FL 32563 · Santa Rosa County
Listing data updated October 18, 2026 at 6:02 AM ET · checked against the MLS hourly
Listed by BROCK PROPERTIES, INC (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
4Bedrooms
2.5Bathrooms
1,835Sq Ft
1977Year Built
$230Per Sq Ft
2-car garageNo CDD on record4 bedrooms
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.
9% above
$/sq ft vs community
$230 here vs $211 median sold (12 mo)
Buyer leverage
Balanced market
6.0-month supply
6.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 18, 2026, 1539 Bay Woods Rd in Bay Woods, Gulf Breeze is listed at $421,500 (1,835 sq ft, about $230 per sq ft). That sits within a few percent of Bay Woods's median closed sale of $396,250 over the last 12 months (4 recorded sales). It came to market within the past week. Listing facts: built in 1977, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1977 · 49 yrs
1,835 sq ft of living area
2-car garage
Listed at $421,500 — recent neighborhood median sale price ~$396,250 (nearby sales; deemed reliable, not an appraisal)
Active listing
No HOA reported by the listing (confirm)
Listing description
About this home
Welcome Home! 1539 Bay Woods Rd is a spacious 4-bed, 2-bath home with a separate half bath in the garage laundry area, located on a large, 0.45-acre cul-de-sac lot in the established Bay Woods subdivision. Surrounded by mature live oaks, this home offers privacy, a flexible floor plan, and extensive recent updates.
Inside, you'll find fresh paint, new recessed lighting and ceiling fans, tubular skylights for added natural light, hardwood floor in the family and dining rooms, tile in the main living areas, and new bedroom carpet. The updated kitchen features new upper cabinets, quartz countertops, stainless steel appliances including a 5-burner gas range, and freshly painted cabinetry with soft-close doors. It opens to a comfortable living room with a floor-to-ceiling brick fireplace, while separate family and dining rooms provide additional living space.
The fourth bedroom off the kitchen also works well as a home office. Both bathrooms feature new vanities and LED anti-fog mirrors, plus a new glass shower door in the primary bath. Outside, enjoy the wooded setting from the covered screened lanai or fire pit area.
The property also features a 50-amp RV hookup with water and septic connections, hot and cold exterior water by the back door, and a half bath in the garage laundry area with separate electronic access from the rear entrance—an especially versatile setup for RV guests. The garage/laundry area is also prewired for a mini-split system. With no mandatory HOA, there's added flexibility for RV or boat storage.
Major updates include a 2021 roof, 2019 Trane HVAC, 2024 water heater, 2026 kitchen appliances, 2024 washer & gas dryer that convey, and 2026 garage doors. The home is also plumbed for a future gas tankless water heater and gas fireplace. Convenient to shopping, dining, Publix, Walmart, Lowe's, Tiger Point Golf Club, Soundside High School, Garcon Point Bridge, and I-10, with Pensacola and Navarre Beaches and Gulf Breeze Zoo all in easy reach.
All 47 photos
Description provided by BROCK PROPERTIES, INC and reproduced from the MLS; not independently verified.
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$421,500
Bed / bath4 / 2.5
Living area1,835 sq ft
Year built1977
Property typeSingle Family Residence
Garage2-car
MLS #689631
Listing statusActive
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~27 ft
CountySanta Rosa
Area listings2 active · 1 under contract
Estimated first-year tax~$4,750/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$230
Estimated monthly payment$2,959
Insurance (illustrative)$2k–$4k/yr
Messtimate range$381,680 – $429,390
Comparable-sales median$396,250
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
$2,959/mo
Principal & interest $2,335/mo79%
Taxes $396/mo13%
Insurance $229/mo8%
$2,959/mo at 20% down, 30-yr @ 7.4% · 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 $3,675/yr ($306/mo) — taxable value $287,296 × 12.81 mills
$1,075 more each year
(+29%)
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.
$287,296
Market value
$287,296
Assessed
$287,296
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 1539 Bay Woods Rd
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 $3,675/yr (certified county roll, taxable value × millage). Buy at the asking price of $421,500 and the first-year bill resets to about $4,750/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 $2,000–$4,000/yr; neither is a quote.
Roof and age
Built in 1977. An original roof would be about 49 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 $600/month (tax $396, 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
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$4k/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 not verified for this address — check msc.fema.gov and confirm coverage. 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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~27 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.
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.
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 · Bay Woods
Pricing & the Bay Woods market
How this home is priced against recent nearby sales, and where Bay Woods has been over 25 years. Momentum Research analysis of Pensacola 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.
Price vs. size in Bay Woods
Each dot is a closed sale since 2005 (57 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Pensacola MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2018–2026. This home lists at $230/sq ft.
Median sale price by year
12-month median closed price, 2013–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2016–2026. Now 55 (normal).
Property timeline
This home’s history
1977BuiltPer public record
Sep 29, 2026First seen on movewithmomentum.comObserved at $421,500
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.
Transparency
Price & listing history
Listed for $421,500Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in Bay Woods 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 Jul 2026
$425,000
1515 Oak Shore Dr, Gulf Breeze
3 / 2 bd/ba · 1,820 sq ft · $234/sq ft
Courtesy of Conna O'Donovan Real Estate LLC · View details →
Sold Jul 2026
$425,000
1515 Oak Shore Dr, Gulf Breeze
3 / 2 bd/ba · 1,820 sq ft · $234/sq ft
Courtesy of Conna O'Donovan Real Estate LLC · View details →
Sold Nov 2025
$367,500
1508 Bay Woods Rd, Gulf Breeze
3 / 2 bd/ba · 1,712 sq ft · $215/sq ft
Courtesy of Zepp Realty · View details →
Sold Nov 2025
$367,500
1508 Bay Woods Rd, Gulf Breeze
3 / 2 bd/ba · 1,712 sq ft · $215/sq ft
Courtesy of Zepp Realty · View details →
Sold Apr 2026
$495,000
1522 Oak Shore Dr, Gulf Breeze
3 / 2 bd/ba · 2,377 sq ft · $208/sq ft
Courtesy of Levin Rinke Realty · View details →
Sold Apr 2026
$495,000
1522 Oak Shore Dr, Gulf Breeze
3 / 2 bd/ba · 2,377 sq ft · $208/sq ft
Courtesy of Levin Rinke Realty · View details →
Median of these 6 sales: $396,250 ($211/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
Momentum Scores
Momentum Property Score
43/100
Strongest on: Market liquidity (54), Pricing power (48)
0 limited50100 exceptional
43/100 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 area27
This home $230/sq ft vs the community 12-month median $211/sq ft.
Affordability39
List price $421,500 vs the community median $396,250. Not a measure of personal affordability.
Market liquidity54
Community median 24 days on market, ~6.0 months of supply (12-month record).
Pricing power48
Recent sales closed at about 98.4% of original asking (~1.6% below). More room below asking generally favors buyers.
Market timing45
Momentum Market Heat is 55/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
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
🟡 Asking $230 per square foot, about 9% above the community’s $211 median. Bay Woods’s 12-month median sold price per square foot is $211. Median sold price per square foot is up 1.0% year over year. Confidence: Low · 4 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.
84% of homes in Bay Woods are owner-occupied. An estimated 16% are non-owner-occupied, including 1% held in a company or trust and 4% 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), 83 homes matched. Community-level context.
Recent Bay Woods sales closed near 98.4% of original asking.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 Pensacola MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 2 active listings in Bay Woods, no CDD assessment.
Updated October 18, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by BROCK PROPERTIES, INC · MLS # 689631
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Keep looking
Similar homes for sale near Bay Woods
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.
Sep 2026 · Infrastructure
Santa Rosa commissioners consider $826,544 signal at SR 87 and Ray Helms Road
The September 22 Santa Rosa County commission agenda included an $826,544 contract with Griffin Traffic Signals for a traffic light at State Road 87 and Ray Helms Road, the truck route to Milton Interchange Park, plus resurfacing and sidewalk work. A separate $106,480 contract would replace signs at the park, now called the I-10 Coastal Commerce Center. The article is a preview of the meeting.
Why it matters: A signal and resurfacing on SR 87 would affect truck and commuter traffic flow near the I-10 industrial park in Milton. The project is about 21 miles north of Bay Woods, elsewhere in Santa Rosa County.
Pensacola mayor says new airport terminal construction starts next week
At a September 17 briefing, Mayor D.C. Reeves said the notice to proceed for the new terminal at Pensacola International Airport would be issued the following week, with site preparation starting shortly after. He described it as a nine-figure investment. A separate 600-space parking expansion still needs construction funding.
Why it matters: Terminal construction signals added air-travel capacity at the airport and construction activity near the airport corridor. The site is about 9 miles northwest of Bay Woods.
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 17 miles north of Bay Woods, 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 project is about 9 miles east of Bay Woods, elsewhere in Santa Rosa County.
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
Oriole BeachAssigned elementary school · Santa Rosa County School District · Grade A (Florida DOE 2025-26)
GRADEA
WOODLAWN BEACHAssigned middle school · Santa Rosa County School District · Grade A (Florida DOE 2025-26)
Soundside High SchoolAssigned high school · Santa Rosa County School District
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 1539 Bay Woods Rd, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1977 (49 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.
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 Santa Rosa County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,835 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 $4,750/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,075 more per year than the current owner’s estimated bill (+29%). 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: October 18, 2026)
Comparable sales
Pensacola MLS closed sales in Bay Woods, last 18 months, as of September 20, 2026
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 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 1539 Bay Woods Rd and when was it built?
Per the listing record, 1539 Bay Woods Rd was built in 1977 and has 1,835 sq ft of living area, 4 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 1539 Bay Woods Rd in?
1539 Bay Woods Rd is in Bay Woods in Gulf Breeze, Santa Rosa County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 1539 Bay Woods Rd 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 1539 Bay Woods Rd differ from the current owner's?
The estimate on this page (about $4,750 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,075 more per year than the current owner’s estimated bill (+29%). 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 1539 Bay Woods Rd 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.
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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 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.
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.
