Single Family Residence in Navarre Shores · No CDD on record · Built 2026
Navarre Shores · Navarre, FL 32566 · Santa Rosa County
Listing data updated October 3, 2026 · refreshed hourly
5Bedrooms
3.5Bathrooms
2,525Sq Ft
2026Year Built
$475Per Sq Ft
3-car garageNew constructionNo CDD on record5 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.
107% above
$/sq ft vs community
$475 here vs $230 median sold (12 mo)
Buyer leverage
Buyer advantage
71 days on market
24.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~5 ft elevation
$2k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 3, 2026, 1774 Thresher Dr in Navarre Shores, Navarre is listed at $1,200,000 (2,525 sq ft, about $475 per sq ft). That is 103% above Navarre Shores's median closed sale of $590,000 over the last 12 months (1 recorded sales). Per square foot it is above the community's recent $230/sq ft by about 107%. It has been 71 days on market. Listing facts: new construction, no HOA. 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
New construction — built 2026
2,525 sq ft of living area
3-car garage
Listed at $1,200,000 — recent neighborhood median sale price ~$590,000 (nearby sales; deemed reliable, not an appraisal)
71 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
Welcome to coastal luxury living with water views and custom craftsmanship throughout. Perfectly positioned across the street from the water, this stunning brand new custom-built home offers approximately 2,600 square feet with 5 bedrooms, 3.5 baths, and thoughtful design details that truly set it apart. Built on pilings, the property provides incredible space underneath for multiple vehicles, boats, RV parking, and all the toys needed to enjoy the Gulf Coast lifestyle -- the backyard offers plenty of room for a future pool, outdoor oasis, or even a pickleball court Ha.
Inside, attention to detail is evident at every turn. An elevator provides convenient access between levels, while expansive front and back porches invite you to relax and soak in the beautiful water views and coastal breezes. The back porch is already plumbed for a gas grill, making outdoor entertaining effortless.
The home is equipped with gas service featuring a designer gas stove and tankless gas water heater. Spacious living areas, custom finishes, and carefully selected details throughout make this home one you truly must experience in person to fully appreciate. From the elevated construction to the functional outdoor space and stunning setting, this property captures the very best of coastal living.
No HOA, yet the neighborhood offers deeded access to the Sound complete with a small watercraft boat ramp for easy days on the water. Conveniently located just minutes from Navarre Beach and centrally positioned near shopping, grocery stores, dining, and everyday conveniences.
All 72 photos
Description provided by Levin Rinke Realty 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$1,200,000
Bed / bath5 / 3.5
Living area2,525 sq ft
Year built2026
Property typeSingle Family Residence
Garage3-car
MLS #686210
Listing status71 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~5 ft
CountySanta Rosa
Area listings2 active · 0 under contract
Estimated first-year tax~$12,600/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$475
Estimated monthly payment$7,933
Insurance (illustrative)$2k–$6k/yr
Messtimate range$439,350 – $613,575
Comparable-sales median$590,000
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
$7,933/mo
Principal & interest $6,568/mo83%
Taxes $1,050/mo13%
Insurance $315/mo4%
$7,933/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
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.)
~$12,600/yr
Estimate: a typical Santa Rosa effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
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–$6k/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
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 AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~5 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 · Navarre Shores
Pricing & the Navarre Shores market
How this home is priced against recent nearby sales, and where Navarre Shores 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.
Property timeline
This home’s history
2026BuiltPer public record
About Jul 2026Listed (per MLS)MLS reports 71 cumulative days on market as of October 3, 2026
Aug 4, 2026First seen on movewithmomentum.comObserved at $1,200,000
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 $1,200,000Momentum Realty · on market 71 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 within about 3 miles 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
$615,000
2757 Sumac Ct, Navarre
4 / 2.5 bd/ba · 2,534 sq ft · $243/sq ft
Courtesy of KELLER WILLIAMS REALTY GULF COAST · View details →
Sold Feb 2026
$590,000
2792 Grand Bay Ct, Navarre
5 / 2.5 bd/ba · 2,564 sq ft · $230/sq ft
Courtesy of Levin Rinke Realty · View details →
Sold Apr 2026
$590,000
2779 Grand Bay Ct, Navarre
4 / 2.5 bd/ba · 2,568 sq ft · $230/sq ft
Courtesy of Levin Rinke Realty · View details →
Sold Jul 2026
$375,000
8680 Laredo St, Navarre
4 / 2 bd/ba · 2,470 sq ft · $152/sq ft
Courtesy of Levin Rinke Realty · View details →
Sold Sep 2026
$420,000
6951 Cotton Boll Ln, Navarre
5 / 3 bd/ba · 2,418 sq ft · $174/sq ft
Courtesy of Levin Rinke Realty · View details →
Sold Jul 2026
$655,000
2618 Yellow Pine Rd, Navarre
4 / 3 bd/ba · 2,410 sq ft · $272/sq ft
Courtesy of KELLER WILLIAMS REALTY EMERALD COAST WEST BRANCH · View details →
Median of these 6 sales: $590,000 ($230/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
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.
$439,350the mess$613,575
Stronger local evidence — 6 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $1,200,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 40% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
2 active listings competing
≈24.0 months of supply
1 closed here in the last 12 months
For reference, this home is listed at $1,200,000 ($475/sq ft). The list price is the seller's asking price and is not derived from this range.
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: 2,525 sq ft × $174–$243/sq ft (interquartile band of 6 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 3, 2026.
Momentum Scores
Momentum Property Score
25/100
Strongest on: Flood safety (45), Insurance cost (45)
0 limited50100 exceptional
25/100 is limited 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 area0
This home $475/sq ft vs the community 12-month median $230/sq ft.
Affordability0
List price $1,200,000 vs the community median $590,000. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~5 ft elevation. Verify the parcel with FEMA.
Insurance cost45
From FEMA Zone AE and a 2026 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~24.0 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.
🟡 Asking $475 per square foot, about 107% above the community’s $230 median. Navarre Shores’s 12-month median sold price per square foot is $230. 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.
52% of homes in Navarre Shores are owner-occupied. An estimated 48% are non-owner-occupied, including 0% held in a company or trust and 17% 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), 19 homes matched. Community-level context.
What’s unique here: one of only 2 active listings in Navarre Shores, no CDD assessment.
Updated October 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Levin Rinke Realty · MLS # 686210
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Keep looking
Similar homes for sale near Navarre Shores
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.
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 17 miles northwest of Navarre Shores, 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 about 2 miles west of Navarre Shores.
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.
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 →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 1774 Thresher Dr, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
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 2,525 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 $12,600/yr) assumes reassessment at the list price; the seller's current bill is not a guide 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, refreshed hourly (last: October 3, 2026)
Comparable sales
Pensacola MLS closed sales within about 3 miles, last 18 months, as of September 20, 2026
Typical county effective rate applied to the list price; 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 1774 Thresher Dr and when was it built?
Per the listing record, 1774 Thresher Dr was built in 2026 and has 2,525 sq ft of living area, 5 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 1774 Thresher Dr in?
1774 Thresher Dr is in Navarre Shores in Navarre, Santa Rosa County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 1774 Thresher Dr 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 1774 Thresher Dr differ from the current owner's?
The estimate on this page (about $12,600 per year) assumes reassessment at the list price less the homestead exemption. 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 1774 Thresher Dr 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 1774 Thresher Dr 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 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.
