Single Family Residence in Plantation Woods, Milton · Built 2024
Plantation Woods · Milton, FL 32583 · Santa Rosa County
Listing data checked against the MLS November 9, 2026 at 9:30 PM ET · rechecked hourly
Listed by Coldwell Banker Realty (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
4Bedrooms
2Bathrooms
1,846Sq Ft
2024Year Built
$173Per Sq Ft
2-car garageFEMA Zone X4 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.
4% above
$/sq ft vs community
$173 here vs $166 median sold (12 mo)
Buyer leverage
Strong seller market
under 1-month supply
Under 1 month
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA
$500–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
5529 Silverbell Dr in Plantation Woods, Milton is listed at $319,000 (1,846 sq ft, about $173 per sq ft). That sits within a few percent of Plantation Woods's median closed sale of $342,900 over the last 12 months (33 recorded sales). It came to market within the past week. Listing facts: built in 2024, HOA dues of $25/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.
Built 2024 · 2 yrs
1,846 sq ft of living area
2-car garage
Listed at $319,000 — recent neighborhood median sale price ~$342,900 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA $25/mo (per listing)
Listing description
About this home
4.99 VA ASSUMABLE! Seller says to sell! Step inside to discover a thoughtfully designed floor plan featuring spacious living areas, abundant natural light, and an open-concept layout perfect for both everyday living and entertaining.
The kitchen serves as the heart of the home with ample cabinetry, generous counter space, and a seamless flow into the dining and living areas. The private primary suite offers a relaxing retreat with a spacious bedroom, ensuite bath, and walk-in closet, while the additional bedrooms provide flexibility for family, guests, or a home office. Situated in a desirable Milton location, you'll enjoy easy access to I-10, Pensacola, local shopping, dining, schools, and the beautiful Gulf Coast beaches.
Whether you're commuting to nearby military installations, looking for your first home, or searching for a property that offers exceptional value, this home checks all the boxes. Opportunities like this don't come around often. Between the possibility of an assumable VA loan, a fantastic location, and a move-in-ready home, 5529 Silverbell Drive offers a rare chance to make homeownership more affordable in today's market.
All 33 photos
Description provided by Coldwell Banker Realty and reproduced from the MLS; not independently verified.
6 closed sales in Plantation Woods in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Sep 2026
$321,900
4969 Gaineswood Dr, Milton
4 / 2 bd/ba · 1,856 sq ft · $173/sq ft
Courtesy of D R Horton Realty of NW Florida, LLC · View details →
Sold Sep 2026
$321,900
4969 Gaineswood Dr, Milton
4 / 2 bd/ba · 1,856 sq ft · $173/sq ft
Courtesy of D R Horton Realty of NW Florida, LLC · View details →
Sold Sep 2026
$319,900
4958 Gaineswood Dr, Milton
4 / 2 bd/ba · 1,856 sq ft · $172/sq ft
Courtesy of D R Horton Realty of NW Florida, LLC · View details →
Sold Sep 2026
$319,900
4958 Gaineswood Dr, Milton
4 / 2 bd/ba · 1,856 sq ft · $172/sq ft
Courtesy of D R Horton Realty of NW Florida, LLC · View details →
Sold Oct 2026
$322,000
4981 Gaineswood Dr, Milton
4 / 2 bd/ba · 1,856 sq ft · $173/sq ft
Courtesy of D R Horton Realty of NW Florida, LLC · View details →
Sold Oct 2026
$322,000
4981 Gaineswood Dr, Milton
4 / 2 bd/ba · 1,856 sq ft · $173/sq ft
Courtesy of D R Horton Realty of NW Florida, LLC · View details →
Median of these 6 sales: $342,900 ($166/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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$319,000
Bed / bath4 / 2
Living area1,846 sq ft
Year built2024
Property typeSingle Family Residence
Garage2-car
MLS #690998
Listing statusActive
Public records & third-party data
FEMA flood zoneZone X
CountySanta Rosa
Area listings5 active · 7 under contract
Estimated first-year tax~$3,450/yr
CDD assessmentNone on record
HOA$25/mo
Calculated estimates
Price per sq ft$173
Estimated monthly payment$2,129
Insurance (illustrative)$500–$2k/yr
Messtimate range$317,512 – $319,358
Comparable-sales median$342,900
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
$2,129/mo
Principal & interest $1,729/mo81%
Taxes $288/mo14%
Insurance $88/mo4%
HOA $25/mo1%
$2,129/mo at 20% down, 30-yr @ 7.18% · 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.
Current owner’s estimated bill $3,400/yr ($283/mo) — taxable value $264,784 × 12.81 mills
About the same each year
(+1%)
The estimate for a new owner and the current owner’s estimated bill are within a few percent of each other. Exemptions, portability and any change in millage will move the actual bill.
$264,784
Market value
$264,784
Assessed
$264,784
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 5529 Silverbell Dr
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $3,400/yr (certified county roll, taxable value × millage). Buy at the asking price of $319,000 and the first-year bill resets to about $3,450/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
$25/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
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 $500–$1,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 2024. 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 $516/month (tax $288, HOA $25, 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
Not reported
The MLS listing does not report a CDD amount. Many Florida communities have one; it shows on the county tax bill — confirm with the tax collector or the listing agent.
Insurance (illustrative range)
$500–$2k/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
$25/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
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
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.
County hazard risk ratings (FEMA National Risk Index, county level)
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.
Internet & broadband — how to check availability for this address
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 · Plantation Woods
Pricing & the Plantation Woods market
How this home is priced against recent nearby sales, and where Plantation Woods has been over 25 years. Momentum Research analysis of Pensacola MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Plantation Woods
Each dot is a closed sale since 2026 (33 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Pensacola MLS closed sales.
Property timeline
This home’s history
2024BuiltPer public record
Nov 8, 2026First seen on our siteObserved at $319,000
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 $319,000Coldwell Banker Realty
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
67/100
Strongest on: Flood safety (90), Insurance cost (80)
0 limited50100 exceptional
67/100 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 area39
This home $173/sq ft vs the community 12-month median $166/sq ft.
Affordability62
List price $319,000 vs the community median $342,900. Not a measure of personal affordability.
Flood safety90
FEMA Zone X. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2024 build. Obtain a property-specific quote.
Market liquidity69
Community median 68 days on market, ~0.7 months of supply (12-month record).
Pricing power62
Recent sales closed at about 95.7% of original asking (~4.3% below). More room below asking generally favors buyers.
Coverage: 6 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 $173 per square foot, about 4% above the community’s $166 median. Plantation Woods’s 12-month median sold price per square foot is $166. Confidence: Very High · 33 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.
58% of homes in Plantation Woods are owner-occupied. An estimated 42% are non-owner-occupied, including 14% held in a company or trust and 4% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 124 homes matched. Community-level context.
Recent Plantation Woods sales closed near 95.7% 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 November 8, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 5 active listings in Plantation Woods, no CDD assessment.
Checked against the MLS November 9, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Coldwell Banker Realty · MLS # 690998
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Keep looking
Similar homes for sale near Plantation Woods
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Development
Escambia Planning Board to hear rezoning for 540-acre Outlying Fields site in Beulah
The Escambia County Planning Board was set to hear rezoning and land-use changes on October 6 for the former Navy Outlying Landing Field 8 next to the Navy Federal Credit Union campus. The roughly 540-acre plan includes 1,000 to 1,500 housing units, 23 acres for health-related facilities along Nine Mile Road, retail and restaurants, and an Employment, Technology and Innovation district. County staff found the changes consistent with the comprehensive plan, and FDOT expects no added trip generation.
Why it matters: The plan would add housing, commercial space and employer land in the Beulah area near Nine Mile Road, which could change local retail access, commute patterns and housing supply. The site is about 11 miles southwest of Plantation Woods.
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 12 miles east of Plantation Woods, elsewhere in Santa Rosa County.
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 12 miles east of Plantation Woods, elsewhere in Santa Rosa County.
Circle K convenience store planned for Navarre Parkway
Plans for a Circle K convenience store with a gas canopy were submitted to Santa Rosa County in May 2026 for a site at 8510 Navarre Parkway. The proposal is under review by county development services.
Why it matters: Adds a fuel and convenience retail option along the Navarre Parkway commercial corridor and expands roadside services in the local market. The project is about 24 miles southeast of Plantation Woods, elsewhere in Santa Rosa County.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Santa Rosa County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEC
East MiltonAssigned elementary school · Santa Rosa County School District · Grade C (Florida DOE 2025-26)
KINGAssigned middle school · Santa Rosa County School District
GRADEB
MiltonAssigned high school · Santa Rosa County School District · Grade B (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 5529 Silverbell Dr, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2024: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $25/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 1,846 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 $3,450/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are approximately equal to the current owner’s estimated bill. 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: November 9, 2026)
Comparable sales
Pensacola MLS closed sales in Plantation Woods, last 18 months, as of November 8, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
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 5529 Silverbell Dr and when was it built?
Per the listing record, 5529 Silverbell Dr was built in 2024 and has 1,846 sq ft of living area, 4 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 5529 Silverbell Dr in?
5529 Silverbell Dr is in Plantation Woods in Milton, Santa Rosa County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 5529 Silverbell Dr have an HOA, and how much are the dues?
The listing reports HOA dues of $25 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 5529 Silverbell Dr differ from the current owner's?
The estimate on this page (about $3,450 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are approximately equal to the current owner’s estimated bill. 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 5529 Silverbell Dr 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.
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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 jon@movewithmomentum.com and we will review and correct or remove it promptly.
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.
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.
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1 / 1 photosListing courtesy of Coldwell Banker Realty
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.
