4-Bedroom Golf-Course Home in The Moors Golf & Racquet Club
5779 Dunbar Cir, Milton, FL 32583
Single Family Residence in The Moors Golf & Racquet Club, Milton · No CDD on record
The Moors Golf & Racquet Club · Milton, FL 32583 · Santa Rosa County
Listing data updated October 13, 2026 at 6:05 AM ET · checked against the MLS hourly
4Bedrooms
2Bathrooms
2,105Sq Ft
2020Year Built
$204Per Sq Ft
3-car garageNo CDD on record4 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.
8% below
$/sq ft vs community
$204 here vs $221 median sold (12 mo)
Buyer leverage
Strong buyer advantage
5 days on market
6.5 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 13, 2026, 5779 Dunbar Cir in The Moors Golf & Racquet Club, Milton is listed at $430,000 (2,105 sq ft, about $204 per sq ft). It came to market within the past week. Listing facts: built in 2020, HOA dues of $135/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2020 · 6 yrs
2,105 sq ft of living area
3-car garage
Listed at $430,000 — recent neighborhood median sale price ~$525,000 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA $135/mo (per listing)
Listing description
About this home
OPEN HOUSE THURSDAY OCTOBER 1ST FROM 5-7!! VA ASSUMABLE LOAN WITH SUPER LOW INTEREST RATE AVAILABLE!! Craftsman-inspired curb appeal meets everyday versatility in this single-story brick home, offering four bedrooms, two bathrooms, 2,105 square feet, and a two-car garage in The Moors subdivision.
Beyond the welcoming front porch, tall ceilings and wood-look luxury vinyl plank flooring establish a polished sense of flow through the common areas. The open-concept kitchen brings together granite countertops, white shaker cabinetry, stainless steel appliances, a pantry, and a center island ready for meal prep, casual conversations, or the inevitable pile of mail. A separate dining room gives dinners and celebrations their own dedicated setting.
The primary suite is designed with convenience in mind. Its spacious closet connects with the laundry room and bathroom, creating an efficient path through the daily routine. The bathroom includes a double vanity, tiled shower, and separate bathtub.
Three additional bedrooms offer room for guests, work, hobbies, or whatever life needs next. A fenced backyard extends the living space outdoors, while the two-car garage provides welcome room for vehicles, storage, and weekend gear. Neighborhood amenities add even more ways to unwind, including a clubhouse with racquetball, a community pool, and a playground.
Avalon Middle School is nearby, and everyday shopping is convenient at Walmart Neighborhood Market and Target in the Milton and Pace area. Newly available, this home combines thoughtful indoor connections with recreation just beyond the front door. Explore the space and community for yourself—schedule a private showing today!!
All 65 photos
Description provided by KELLER WILLIAMS REALTY GULF COAST 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$430,000
Bed / bath4 / 2
Living area2,105 sq ft
Year built2020
Property typeSingle Family Residence
Garage3-car
MLS #689362
Listing statusNew — 5 days on market
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~14 ft
CountySanta Rosa
Area listings7 active · 5 under contract
Estimated first-year tax~$4,875/yr
CDD assessmentNone on record
HOA$135/mo
Calculated estimates
Price per sq ft$204
Estimated monthly payment$3,054
Insurance (illustrative)$1k–$2k/yr
Messtimate range$410,475 – $623,080
Comparable-sales median$525,000
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
$3,054/mo
Principal & interest $2,382/mo78%
Taxes $406/mo13%
Insurance $131/mo4%
HOA $135/mo4%
$3,054/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 $3,175/yr ($265/mo) — taxable value $247,132 × 12.81 mills
$1,700 more each year
(+54%)
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
$51,546
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.
$298,678
Market value
$297,854
Assessed
$247,132
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.
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)
$1k–$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 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
$135/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
~14 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 · The Moors Golf Racquet Club
Pricing & the The Moors Golf Racquet Club market
How this home is priced against recent nearby sales, and where The Moors Golf Racquet Club has been over 25 years. Momentum Research analysis of Pensacola MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
2020BuiltPer public record
Sep 23, 2026First seen on movewithmomentum.comObserved at $430,000
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 $430,000Momentum Realty · on market 5 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 The Moors Golf & Racquet Club 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
$622,500
5751 Dunbar Cir, Milton
4 / 3 bd/ba · 2,103 sq ft · $296/sq ft
Courtesy of Levin Rinke Realty · View details →
Sold Sep 2026
$622,500
5751 Dunbar Cir, Milton
4 / 3 bd/ba · 2,103 sq ft · $296/sq ft
Courtesy of Levin Rinke Realty · View details →
Sold Aug 2026
$525,000
3215 Glen Coe Ct, Milton
5 / 3.5 bd/ba · 2,373 sq ft · $221/sq ft
Courtesy of The Realty Box · View details →
Sold Aug 2026
$525,000
3215 Glen Coe Ct, Milton
5 / 3.5 bd/ba · 2,373 sq ft · $221/sq ft
Courtesy of The Realty Box · View details →
Sold Jul 2026
$353,000
5720 Callandar Pl, Milton
3 / 2 bd/ba · 1,814 sq ft · $195/sq ft
Courtesy of Coldwell Banker Realty · View details →
Sold Jul 2026
$353,000
5720 Callandar Pl, Milton
3 / 2 bd/ba · 1,814 sq ft · $195/sq ft
Courtesy of Coldwell Banker Realty · View details →
Median of these 6 sales: $525,000 ($221/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$410,475the mess$623,080
Stronger local evidence — 6 comparable closed sales in The Moors Golf & Racquet Club, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $430,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 52% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $135/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:
4 active listings competing, 2 under contract
≈6.5 months of supply
21 closed here in the last 12 months
For reference, this home is listed at $430,000 ($204/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,105 sq ft × $195–$296/sq ft (interquartile band of 6 comparable closed sales in The Moors Golf & Racquet Club, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 13, 2026.
Momentum Scores
Momentum Property Score
63/100
Strongest on: Affordability (80), Price vs area (69)
0 limited50100 exceptional
63/100 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 area69
This home $204/sq ft vs the community 12-month median $221/sq ft.
Affordability80
List price $430,000 vs the community median $525,000. Not a measure of personal affordability.
Market liquidity41
Community inventory, ~6.5 months of supply (12-month record).
Coverage: 3 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 $204 per square foot, about 8% below the community’s $221 median. The Moors Golf Racquet Club’s 12-month median sold price per square foot is $221. 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.
68% of homes in The Moors Golf Racquet Club are owner-occupied. An estimated 32% are non-owner-occupied, including 12% 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), 235 homes matched. Community-level context.
What’s unique here: a golf-course community, one of only 7 active listings in The Moors Golf Racquet Club, no CDD assessment.
Updated October 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 5779 Dunbar Cir?
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 REALTY GULF COAST · MLS # 689362
Request a showing
Keep looking
Similar homes for sale near The Moors Golf & Racquet Club
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 site is about 4 miles northeast of The Moors Golf Racquet Club.
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 site is about 2 miles southeast of The Moors Golf Racquet Club.
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 18 miles southeast of The Moors Golf Racquet Club, 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
Bennett C RussellAssigned elementary school · Santa Rosa County School District · Grade C (Florida DOE 2025-26)
GRADEB
AVALONAssigned middle school · Santa Rosa County School District · Grade B (Florida DOE 2025-26)
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 5779 Dunbar Cir, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2020: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $135/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 2,105 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 $4,875/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,700 more per year than the current owner’s estimated bill (+54%). 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 13, 2026)
Comparable sales
Pensacola MLS closed sales in The Moors Golf & Racquet Club, last 18 months, as of July 13, 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 5779 Dunbar Cir and when was it built?
Per the listing record, 5779 Dunbar Cir was built in 2020 and has 2,105 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 5779 Dunbar Cir in?
5779 Dunbar Cir is in The Moors Golf & Racquet Club in Milton, Santa Rosa County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 5779 Dunbar Cir have an HOA, and how much are the dues?
The listing reports HOA dues of $135 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 5779 Dunbar Cir differ from the current owner's?
The estimate on this page (about $4,875 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,700 more per year than the current owner’s estimated bill (+54%). 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 5779 Dunbar Cir 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.
Ready when you are
See 5779 Dunbar Cir in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
