57 days on marketSingle Family Residence▼ Price cut: $10,000 (9/3)
$625,000
4-Bedroom Home in Robledal Estates
3144 Calle De Cortez, Navarre, FL 32566
Single Family Residence in Robledal Estates, Navarre · No CDD
Robledal Estates · Navarre, FL 32566 · Santa Rosa
Listing data updated September 13, 2026 · refreshed twice daily
4Bedrooms
3Bathrooms
2,067Sq Ft
1997Year Built
$302Per Sq Ft
3-car garageNo CDDFEMA Zone X4 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.
35% above
$/sq ft vs community
$302 here vs $223 median sold (12 mo)
Buyer leverage
Strong seller market
57 days on market
No active listings
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~15 ft elevation
$2k–$5k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 13, 2026, 3144 Calle De Cortez in Robledal Estates, Navarre is listed at $625,000 (2,067 sq ft, about $302 per sq ft). That is 39% above Robledal Estates's median closed sale of $450,000 over the last 12 months (4 recorded sales). Per square foot it is above the community's recent $223/sq ft by about 35%. It has been 57 days on market, well inside the community's typical 116 days. Listing facts: built in 1997, HOA dues of $1/mo. 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.
No CDD assessment on record
Built 1997 · 29 yrs
2,067 sq ft of living area
3-car garage
Listed at $625,000 — recent neighborhood median sale price ~$450,000 (nearby sales; deemed reliable, not an appraisal)
57 days on market
HOA $1/mo (per listing)
Momentum Research · Robledal Estates
Pricing & the Robledal Estates market
How this home is priced against recent nearby sales, and where Robledal Estates 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 Robledal Estates
Each dot is a closed sale since 2005 (145 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 $302/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 19 (cold).
Property timeline
This home’s history
1997BuiltPer public record
Aug 4, 2026First trackedObserved at $635,000
Sep 3, 2026Price cut$625,000
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
$4,085/mo
Principal & interest $3,246/mo79%
Taxes $547/mo13%
Insurance $291/mo7%
HOA $1/mo0%
$4,085/mo at 20% down, 30-yr @ 6.76% · 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 $4,750/yr ($396/mo)
+$2,625 more each year
(+55%)
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
$67,232
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
46/100
Strongest on: Flood safety (95), Market timing (81)
0 limited50100 exceptional
46/100 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 area0
This home $302/sq ft vs the community 12-month median $223/sq ft.
Affordability0
List price $625,000 vs the community median $450,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~15 ft elevation. Verify the parcel with FEMA.
Insurance cost67
From FEMA Zone X and a 1997 build. Obtain a property-specific quote.
Market liquidity20
Community median 116 days on market (12-month record).
Renovation upside33
From a 1997 build and $302/sq ft vs the community median $223/sq ft. Not a condition assessment.
Pricing power75
Recent sales closed at about 92.9% of original asking (~7.1% below). More room below asking generally favors buyers.
Market timing81
Momentum Market Heat is 19/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
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 $302 per square foot, about 35% above the community’s $223 median. Robledal Estates’s 12-month median sold price per square foot is $223. Median sold price per square foot is up 7.1% 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.
Recent Robledal Estates sales closed near 92.9% 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 12, 2026. Aggregates only; deemed reliable but not guaranteed.
Updated September 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to your dream home nestled in the heart of Robledal Estates, one of Navarre's most established and sought-after neighborhoods! Meticulously updated, featuring a split floorplan with 4 bedrooms and 2 bathrooms. The heart of the home is an open-concept main living space, which connects a formal dining area to the living room and eat-in kitchen, complete with stainless appliances, granite countertops, and a breakfast bar.
Upgrades throughout include fresh paint, LVP flooring, new carpet in the primary suite, custom closet shelving, new water heater, updated fans, and gorgeous new light fixtures. The primary suite features a completely renovated ensuite with a walk-in closet, dual vanities, enhanced lighting, stand-alone tub, and a GORGEOUS tiled walk-in shower. Step outside into your own oasis, complete with a covered outdoor kitchen with granite countertops, 2 built-in BBQ grills, sink, and a wine fridge.
The backyard centers around a screen-enclosed, saltwater gunite pool and hot tub, both of which can be heated separately for year-round enjoyment. The enclosure connects to a detached pool-house - offering incredible versatility, housing the pool equipment and offering a full bathroom, a garage, and a workshop area with keypad entry. It also includes a smaller garage space with driveway access for your golf cart, OHV or storage space for yard equipment.
Newly landscaped outdoors, including premium Zoysia sod, rock beds, a firepit, accent lighting, vegetable garden beds, and fruit trees. An extended driveway leads to the pool-house garages, with room to park your boat or RV including a 50-amp RV outlet. The main attached 2-car garage is climate controlled and has upgraded epoxy floors, perfect for a man-cave, home gym, or extra living space that's comfortable year-round!
Robledal Estates has a voluntary HOA! Residents have the exclusive perk of an optional 1-time buy-in to Crab Inc, granting access to a fishing pier, boat launch, picnic area, and BBQ grills!
Description provided by KELLER WILLIAMS SUCCESS REALTY 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$625,000
Bed / bath4 / 3
Living area2,067 sq ft
Year built1997
Property typeSingle Family Residence
Garage3-car
MLS #686004
Listing status57 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~15 ft
Windstorm exposureLow
CountySanta Rosa
Area listings0 active · 1 under contract
Estimated first-year tax~$6,562/yr
CDD assessmentNone on record
HOA (per listing)$1/mo
Calculated estimates
Price per sq ft$302
Estimated monthly payment$4,085
Insurance (illustrative)$2k–$5k/yr
Comparable-sales median$450,000
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.
$405,132the mess$516,750
Actual list price: $625,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1997 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 $1/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:
This home: 57 days on market vs. a 116-day community median
0 active listings competing, 1 under contract
4 closed here in the last 12 months
For reference, this home is listed at $625,000 ($302/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: 2,067 sq ft × $196–$250/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 13, 2026.
Keep looking
Similar homes for sale near Robledal Estates
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.
Listed for $625,000Momentum Realty · on market 57 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.)
~$6,562/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)
$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
$1/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 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
~15 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 3144 Calle De Cortez?
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 KELLER WILLIAMS SUCCESS REALTY · MLS # 686004
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Market data · public records
Recent sales activity in Robledal Estates
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 Robledal Estates neighborhood guide for more.
Comparable sales found
3
Recent nearby closings in the data set.
Community median sale price
$450,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$223
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Robledal Estates
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 22 miles northwest of Robledal Estates, elsewhere in Santa Rosa County.
DeSantis signs state budget with funding for Okaloosa County projects
Governor DeSantis signed the state budget that included roughly $15 million for 20 Okaloosa County projects, among them $5 million for the Northwest Florida State College Workforce Innovation Center in Niceville, $1.5 million for Shalimar Bridge Park, and $3 million for Destin road and drainage work. About $7.26 million in other local requests were vetoed.
Why it matters: Directs state funding toward workforce, park, road, and drainage infrastructure across Okaloosa County, supporting public facilities and capacity in Niceville, Shalimar, and Destin. The site is about 16 miles northeast of Robledal Estates.
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 10 miles west of Robledal Estates, elsewhere in Santa Rosa County.
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
West NavarreAssigned 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)
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.
Sold Mar 2026
$520,000
6523 Calle De Lago, Navarre
3 / 2.5 bd/ba · 2,195 sq ft · $237/sq ft
Courtesy of World Impact Real Estate · View details →
Sold May 2026
$365,000
3150 Calle De Cortez, Navarre
3 / 2 bd/ba · 1,748 sq ft · $209/sq ft
Courtesy of Maritime Realty · View details →
Sold Aug 2026
$877,500
6281 Calle De Hidalgo, Navarre
4 / 2.5 bd/ba · 2,681 sq ft · $327/sq ft
Courtesy of CAROL BROWN FAMILY REAL ESTATE PA · View details →
Community 12-month median: $223/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
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$2,865 – $4,167/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,304 – −$132At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 3144 Calle De Cortez, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1997 (29 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 $1/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
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 2,067 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 $6,562/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.
Pensacola MLS, refreshed twice daily (last: September 13, 2026)
Community market stats
Pensacola MLS closed sales, as of September 12, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of 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 3144 Calle De Cortez and when was it built?
Per the listing record, 3144 Calle De Cortez was built in 1997 and has 2,067 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3144 Calle De Cortez in?
3144 Calle De Cortez is in Robledal Estates in Navarre, Santa Rosa County. The community section on this page shows recent closed sales, days on market, and active inventory for Robledal Estates from the same MLS data.
Does 3144 Calle De Cortez have an HOA, and how much are the dues?
The listing reports HOA dues of $1 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 3144 Calle De Cortez differ from the current owner's?
The estimate on this page (about $6,562 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 3144 Calle De Cortez 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
See 3144 Calle De Cortez 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.
