Active Single Family Residence
$335,000
3-Bedroom Home in Paradise Bay

3879 Sailwind Dr, Gulf Breeze, FL 32563

Single Family Residence in Paradise Bay, Gulf Breeze · No CDD on record
Paradise Bay · Gulf Breeze, FL 32563 · Santa Rosa County
Listing data updated October 6, 2026 at 9:51 AM ET · checked against the MLS hourly
3Bedrooms
2Bathrooms
1,682Sq Ft
1985Year Built
$199Per 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.
12% below
$/sq ft vs community
$199 here vs $226 median sold (12 mo)
Buyer leverage
Strong buyer advantage
4992.0-month supply
4992.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.

Sources: Pensacola MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

As of October 6, 2026, 3879 Sailwind Dr in Paradise Bay, Gulf Breeze is listed at $335,000 (1,682 sq ft, about $199 per sq ft). That is 16% below Paradise Bay's median closed sale of $397,250 over the last 12 months (10 recorded sales). Per square foot it is below the community's recent $226/sq ft by about 12%. It came to market within the past week. Listing facts: built in 1985, HOA dues of $5/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 1985 · 41 yrs
  • 1,682 sq ft of living area
  • 2-car garage
  • Listed at $335,000 — recent neighborhood median sale price ~$397,250 (nearby sales; deemed reliable, not an appraisal)
  • Active listing
  • HOA $5/mo (per listing)
Listing description

About this home

Welcome to this great 3/2 Gulf Breeze home! We have all the big ticket items checked off to save worries and money with a 2026 WATER HEATER, 2020 ROOF, 2026 SEPTIC DRAIN FIELD replacement and inspection, UPDATED HVAC, and 2012 hurricane rated windows and doors. The home itself has been FRESHLY PAINTED inside and professionally cleaned from top to bottom so all you need to do is decide where your furniture goes!

The living room and dining room are delineated by a GAS FIREPLACE, just waiting for holiday evenings at home. The kitchen has been updated with GRANITE counters and has a breakfast nook on one end and its own door to the back yard for evening cookouts on the other. Looking out onto the backyard with a perfect space for a home garden, the primary suite has an oversized closet and separate shower/water closet with extra storage.

If you're looking for some natural lighting to get ready for work, the hall bath boasts a skylight above the shower in addition to an inset tiled seat. The remaining bedrooms have a view of the front yard, complete with privacy hedge on the side of the home for a relaxed, verdant landscape, kept healthy by the sprinkler system. And no classic Florida home is complete without the quintessential palm tree in the front of this 1/3 ACRE lot and plenty of space in the backyard to install your dream pool or large shed for the "toys." Bring your own unique style to this blank canvas in the very heart of Tiger Point.

Paradise Bay is literally only minutes from shopping, entertainment, and the Avalon Blvd connector for commuters to Pace/Milton, plus Pensacola Beach and a hop-and-a-skip over the 3 Mile Bridge for all the festivals in downtown Pensacola! This home is also now located in the brand new Soundside High School zone as well. Schedule your showing today!

All 52 photos

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Description provided by Better Homes And Gardens Real Estate Main Street Properties and reproduced from the MLS; not independently verified.

Listing courtesy of Better Homes And Gardens Real Estate Main Street Properties · Listing agent: Rebecca Wagner · 850-912-4123Provided via the Multiple Listing Service of the Pensacola Association of REALTORS® · Source: Multiple Listing Service of the Pensacola Association of REALTORS® · Copyright© 2026 by the Multiple Listing Service of the Pensacola Association of REALTORS® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS®. Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
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$335,000
Bed / bath3 / 2
Living area1,682 sq ft
Year built1985
Property typeSingle Family Residence
Garage2-car
MLS #689957
Listing statusActive

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
CountySanta Rosa
Area listings4 active · 0 under contract
Estimated first-year tax~$3,650/yr
CDD assessmentNone on record
HOA$5/mo

Calculated estimates

Price per sq ft$199
Estimated monthly payment$2,325
Insurance (illustrative)$2k–$3k/yr
Comparable-sales median$397,250

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

$2,325/mo
  • Principal & interest $1,834/mo 79%
  • Taxes $304/mo 13%
  • Insurance $182/mo 8%
  • HOA $5/mo 0%

$2,325/mo at 20% down, 30-yr @ 7.28% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Certified tax roll · county-average rate
Estimated property taxes after purchase
$3,650/yr
≈ $304/mo·effective rate ~1.09%
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 $3,100/yr ($258/mo) — taxable value $241,654 × 12.81 mills
$550 more each year
(+18%)

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
$14,243
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.
$255,897
Market value
$241,654
Assessed
$241,654
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.

Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

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.

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–$3k/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
$5/mo

Per the MLS listing. Confirm exact dues and what they include with the association.

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
Not on record

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 · Paradise Bay

Pricing & the Paradise Bay market

How this home is priced against recent nearby sales, and where Paradise Bay 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 per sq ft · this home vs. recent nearby salesThis homeThis home: $199/sq ft$1992145 Mykell Dr2145 Mykell Dr: $206/sq ft$2067555 White Sands Blvd7555 White Sands Blvd: $464/sq ft$4647530 Gulf Blvd7530 Gulf Blvd: $641/sq ft$641Community median $226
Property timeline

This home’s history

  • 1985BuiltPer public record
  • Oct 6, 2026First seen on movewithmomentum.comObserved at $335,000
  • 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 $335,000Momentum 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

3 closed sales within about 10 miles in Santa Rosa County 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.

Median of these 3 sales: $397,250 ($226/sq ft). Directional only — a small or wide-radius sample. 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.

$334,718the mess$425,546

Directional estimate — 3 comparable closed sales within about 10 miles in Santa Rosa County, closed within the last 18 months, same property type, living area within 30% of this home.

Actual list price: $335,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 27% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a 1985 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 $5/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:

  • 416 active listings competing, 175 under contract
  • ≈5.3 months of supply
  • 1 closed here in the last 12 months

For reference, this home is listed at $335,000 ($199/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.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,682 sq ft × $199–$253/sq ft (±12% around the median of 3 comparable closed sales within about 10 miles in Santa Rosa County, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 6, 2026.

Momentum Scores

Momentum Property Score

68/100
Strongest on: Price vs area (80), Market timing (80)
0 limited50100 exceptional

68/100 is solid, mid-pack 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 area80
This home $199/sq ft vs the community 12-month median $226/sq ft.
Affordability76
List price $335,000 vs the community median $397,250. Not a measure of personal affordability.
Market liquidity43
Community median 63 days on market, ~5.3 months of supply (12-month record).
Pricing power62
Recent sales closed at about 95.5% of original asking (~4.5% below). More room below asking generally favors buyers.
Market timing80
Momentum Market Heat is 20/100 (cold). 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 $199 per square foot, about 12% below the community’s $226 median. Paradise Bay’s 12-month median sold price per square foot is $226. MLS facts: Pensacola MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

What’s unique here: no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated October 6, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by Better Homes And Gardens Real Estate Main Street Properties · MLS # 689957

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Keep looking

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Go deeper

More on Paradise Bay

Go deeper on Paradise Bay

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.

Assigned schools

Assigned schools

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
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 3879 Sailwind Dr, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1985 (41 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 $5/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
  • 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 1,682 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 $3,650/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $550 more per year than the current owner’s estimated bill (+18%). 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 recordPensacola MLS, checked against the MLS hourly (last: October 6, 2026)
Comparable salesPensacola MLS closed sales within about 10 miles in Santa Rosa County, last 18 months, as of October 6, 2026
Flood zone & elevationNot verified for this address — look it up at msc.fema.gov
Taxes & monthly costCertified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 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 3879 Sailwind Dr and when was it built?

Per the listing record, 3879 Sailwind Dr was built in 1985 and has 1,682 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 3879 Sailwind Dr in?

3879 Sailwind Dr is in Paradise Bay in Gulf Breeze, Santa Rosa County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 3879 Sailwind Dr have an HOA, and how much are the dues?

The listing reports HOA dues of $5 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 3879 Sailwind Dr differ from the current owner's?

The estimate on this page (about $3,650 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $550 more per year than the current owner’s estimated bill (+18%). 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 3879 Sailwind Dr 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.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Multiple Listing Service of the Pensacola Association of REALTORS®. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Multiple Listing Service of the Pensacola Association of REALTORS®. Copyright© 2026 by the Multiple Listing Service of the Pensacola Association of REALTORS® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS®. Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.