Single Family Residence in Villa Venyce, Gulf Breeze · No CDD on record
Villa Venyce · Gulf Breeze, FL 32563 · Santa Rosa County
Listing data updated October 14, 2026 at 7:37 AM ET · checked against the MLS hourly
Listed by Levin Rinke Realty (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
3.5Bathrooms
2,600Sq Ft
2019Year Built
$423Per Sq Ft
2-car garageNo CDD on record
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.
54% above
$/sq ft vs community
$423 here vs $274 median sold (12 mo)
Buyer leverage
Seller-leaning
28 days on market
Under 1 month
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$3k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 11 of 12
Price vs recent sales
Asking $1.10M tops 11 of the last 12 closed sales; also one of the largest homes here at 2,600 sq ft
As of October 14, 2026, 3224 Bay St in Villa Venyce, Gulf Breeze is listed at $1,100,000 (2,600 sq ft, about $423 per sq ft). That is 162% above Villa Venyce's median closed sale of $420,000 over the last 12 months (16 recorded sales). Per square foot it is above the community's recent $274/sq ft by about 54%. It has been 28 days on market, longer than the community's typical 16 days to contract. Listing facts: built in 2019, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2019 · 7 yrs
2,600 sq ft of living area
2-car garage
Listed at $1,100,000 — recent neighborhood median sale price ~$420,000 (nearby sales; deemed reliable, not an appraisal)
28 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
Elegant Modern Pool Home with Water Views — This sophisticated 3-bedroom, 3.5-bath residence sits on an expansive lot with stunning water views and is just steps from the Oriole Beach Public Boat Ramp, bring the boat! Featuring a brand-new HVAC system along with impact resistant windows and doors that fill the home with natural light while offering storm protection. The open-concept kitchen features a large island, custom cabinetry, gas cooktop, stainless appliances, and a walk-in pantry, flowing into a living room with a gas fireplace framed in elegant stack stone.
French doors open to a spacious balcony ideal for entertaining. High ceilings, luxury vinyl plank flooring, and refined finishes create a bright, polished atmosphere throughout. A private elevator provides effortless access between levels.
The primary suite offers a spa-like ensuite with dual shower heads, dual vanities, and two walk-in closets. Upstairs, two guest bedrooms share a versatile lounge with coffee bar. Outdoors, a covered porch with ceiling fans overlooks a sparkling Gunite pool with sunning shelf and a privacy-fenced backyard.
The home also includes a two-car garage with extra storage, a whole-house generator, and space for an RV or boat. Convenient to Pensacola State College, award winning beaches, and downtown.
All 67 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$1,100,000
Bed / bath3 / 3.5
Living area2,600 sq ft
Year built2019
Property typeSingle Family Residence
Garage2-car
MLS #687699
Listing status28 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~7 ft
CountySanta Rosa
Area listings1 active · 0 under contract
Estimated first-year tax~$13,450/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$423
Estimated monthly payment$7,556
Insurance (illustrative)$3k–$6k/yr
Messtimate range$270,400 – $969,800
Comparable-sales median$420,000
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
$7,556/mo
Principal & interest $6,093/mo81%
Taxes $1,121/mo15%
Insurance $343/mo5%
$7,556/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 $4,625/yr ($385/mo) — taxable value $361,742 × 12.81 mills
$8,825 more each year
(+191%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$337,168
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.
$698,910
Market value
$412,464
Assessed
$361,742
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 3224 Bay St
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $4,625/yr (certified county roll, taxable value × millage). Buy at the asking price of $1,100,000 and the first-year bill resets to about $13,450/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 $3,000–$6,000/yr; neither is a quote.
Roof and age
Built in 2019. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form.
Estimated carrying cost at the asking price, before the mortgage: about $1,324/month (tax $1,121, 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)
$3k–$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 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
~7 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 · Villa Venyce
Pricing & the Villa Venyce market
How this home is priced against recent nearby sales, and where Villa Venyce 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 Villa Venyce
Each dot is a closed sale since 2005 (262 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 $423/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 45 (normal).
Property timeline
This home’s history
2019BuiltPer public record
Sep 2, 2026First seen on movewithmomentum.comObserved at $1,100,000
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 $1,100,000Momentum Realty · on market 28 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 Villa Venyce in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Aug 2026
$725,000
2847 Via Roma Ct, Gulf Breeze
4 / 2.5 bd/ba · 2,575 sq ft · $282/sq ft
Courtesy of Hurd Real Estate & Company LLC · View details →
Sold Aug 2026
$725,000
2847 Via Roma Ct, Gulf Breeze
4 / 2.5 bd/ba · 2,575 sq ft · $282/sq ft
Courtesy of Hurd Real Estate & Company LLC · View details →
Sold Apr 2026
$260,000
2837 Venetian Garden, Gulf Breeze
4 / 2 bd/ba · 2,508 sq ft · $104/sq ft
Courtesy of KELLER WILLIAMS REALTY GULF COAST · View details →
Sold Apr 2026
$260,000
2837 Venetian Garden, Gulf Breeze
4 / 2 bd/ba · 2,508 sq ft · $104/sq ft
Courtesy of KELLER WILLIAMS REALTY GULF COAST · View details →
Sold Jul 2026
$925,000
1044 Aquamarine Dr, Gulf Breeze
3 / 2.5 bd/ba · 2,483 sq ft · $373/sq ft
Courtesy of Engel & Volkers Pensacola · View details →
Sold Jul 2026
$925,000
1044 Aquamarine Dr, Gulf Breeze
3 / 2.5 bd/ba · 2,483 sq ft · $373/sq ft
Courtesy of Engel & Volkers Pensacola · View details →
Median of these 6 sales: $420,000 ($274/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
40/100
Strongest on: Market liquidity (89), Market timing (55)
0 limited50100 exceptional
40/100 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 $423/sq ft vs the community 12-month median $274/sq ft.
Affordability0
List price $1,100,000 vs the community median $420,000. Not a measure of personal affordability.
Market liquidity89
Community median 16 days on market, ~0.8 months of supply (12-month record).
Pricing power54
Recent sales closed at about 97.1% of original asking (~2.9% below). More room below asking generally favors buyers.
Market timing55
Momentum Market Heat is 45/100 (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.
🟡 Asking $423 per square foot, about 54% above the community’s $274 median. Villa Venyce’s 12-month median sold price per square foot is $274. Median sold price per square foot is down 20.0% year over year. Confidence: Medium · 16 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.
75% of homes in Villa Venyce are owner-occupied. An estimated 25% are non-owner-occupied, including 1% held in a company or trust and 8% 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), 75 homes matched. Community-level context.
Recent Villa Venyce sales closed near 97.1% 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 August 10, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1 active listings in Villa Venyce, no CDD assessment.
Updated October 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Levin Rinke Realty · MLS # 687699
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Keep looking
Similar homes for sale near Villa Venyce
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 23 miles north of Villa Venyce, 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 8 miles northwest of Villa Venyce.
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 19 miles north of Villa Venyce, 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 13 miles east of Villa Venyce, 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
GULF BREEZEAssigned middle school · Santa Rosa County School District · Grade A (Florida DOE 2025-26)
GRADEA
Gulf BreezeAssigned high school · Santa Rosa County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 3224 Bay St, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2019: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
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 2,600 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 $13,450/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $8,825 more per year than the current owner’s estimated bill (+191%). 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 14, 2026)
Comparable sales
Pensacola MLS closed sales in Villa Venyce, last 18 months, as of August 10, 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 3224 Bay St and when was it built?
Per the listing record, 3224 Bay St was built in 2019 and has 2,600 sq ft of living area, 3 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 3224 Bay St in?
3224 Bay St is in Villa Venyce in Gulf Breeze, Santa Rosa County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3224 Bay St 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 3224 Bay St differ from the current owner's?
The estimate on this page (about $13,450 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $8,825 more per year than the current owner’s estimated bill (+191%). 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 3224 Bay St 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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See 3224 Bay St in person
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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.
