Single Family Residence in The Cottages Of Hamilton Bridge · No CDD
The Cottages Of Hamilton Bridge · Milton, FL 32570 · Santa Rosa
Listing data updated September 9, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,014Sq Ft
2001Year Built
$177Per Sq Ft
No CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
16% above
$/sq ft vs community
$177 here vs $152 median sold (12 mo)
Buyer leverage
Seller-leaning
2 days on market
6.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$500–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 2
Price vs recent sales
Asking $180k is at or below all 2 recent closed sales
As of September 9, 2026, 6299 Cottage Woods Dr in The Cottages Of Hamilton Bridge, Milton is listed at $179,900 (1,014 sq ft, about $177 per sq ft). That is 20% below The Cottages Of Hamilton Bridge's median closed sale of $225,000 over the last 12 months (3 recorded sales). Per square foot it is above the community's recent $152/sq ft by about 16%. It came to market within the past week. Listing facts: built in 2001, HOA dues of $6/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2001 · 25 yrs
1,014 sq ft of living area
Listed at $179,900 — recent neighborhood median sale price ~$225,000 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA $6/mo (per listing)
Momentum Research · The Cottages Of Hamilton Bridge
Pricing & the The Cottages Of Hamilton Bridge market
How this home is priced against recent nearby sales, and where The Cottages Of Hamilton Bridge 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 The Cottages Of Hamilton Bridge
Each dot is a closed sale since 2009 (62 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 $177/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2016–2026. Now 68 (hot).
Property timeline
This home’s history
2001BuiltPer public record
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$1,172/mo
Principal & interest $930/mo79%
Taxes $157/mo13%
Insurance $79/mo7%
HOA $6/mo1%
$1,172/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Estimated from today’s asking price and current Santa Rosa County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $1,675/yr ($140/mo)
+$0 more each year
(+0%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Sources: Florida DOR certified tax roll (2025), Pensacola MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
46/100
Strongest on: Market liquidity (86), Affordability (83)
0 limited50100 exceptional
46/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area9
This home $177/sq ft vs the community 12-month median $152/sq ft.
Affordability83
List price $179,900 vs the community median $225,000. Not a measure of personal affordability.
Market liquidity86
Community median 18 days on market (12-month record).
Renovation upside28
From a 2001 build and $177/sq ft vs the community median $152/sq ft. Not a condition assessment.
Pricing power40
Recent sales closed at about 100.0% of original asking (~0.0% below). More room below asking generally favors buyers.
Market timing32
Momentum Market Heat is 68/100 (hot). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
🟡 Asking $177 per square foot, about 16% above the community’s $152 median. The Cottages Of Hamilton Bridge’s 12-month median sold price per square foot is $152. Median sold price per square foot is up 27.8% year over year. Confidence: Low · 3 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.
55% of homes in The Cottages Of Hamilton Bridge are owner-occupied. An estimated 45% are non-owner-occupied, including 4% held in a company or trust and 12% 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), 51 homes matched. Community-level context.
Recent The Cottages Of Hamilton Bridge sales closed near 100.0% 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 July 13, 2026. Aggregates only; deemed reliable but not guaranteed.
Updated September 9, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
This 3-bedroom, 2-bath home offers approximately 1,100 square feet of living space in the Cottage Woods subdivision of Milton. Freshly repainted in 2025, the home features wood-look flooring throughout the main living areas and vaulted ceilings in the living room, kitchen, and dining area, creating an open and inviting feel. The kitchen includes a refrigerator, electric range, and dishwasher, along with a breakfast nook for additional dining space.
A separate laundry area comes complete with a washer and dryer for added convenience. The primary bedroom features an ensuite bath with a garden tub, while two additional bedrooms and a second full bathroom complete the interior. Outside, you'll find a spacious, fully privacy-fenced backyard and a 12' x 10' storage building, providing plenty of room for outdoor use and extra storage.
Additional features include underground utilities and kitchen appliances, washer, and dryer included with the home. Contact us today for additional information or to schedule a viewing!
Description provided by COTTON REAL ESTATE and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$179,900
Bed / bath3 / 2
Living area1,014 sq ft
Year built2001
Property typeSingle Family Residence
MLS #688736
Listing statusNew — 2 days on market
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountySanta Rosa
Area listings0 active · 0 under contract
Estimated first-year tax~$1,889/yr
CDD assessmentNone on record
HOA (per listing)$6/mo
Calculated estimates
Price per sq ft$177
Estimated monthly payment$1,172
Insurance (illustrative)$500–$2k/yr
Comparable-sales median$225,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$135,876the mess$172,380
Actual list price: $179,900 — 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 2001 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 $6/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 2 days on market vs. a 18-day community median
1 active listing competing
2 closed here in the last 12 months
For reference, this home is listed at $179,900 ($177/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,014 sq ft × $134–$170/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 9, 2026.
Keep looking
Similar homes for sale near The Cottages Of Hamilton Bridge
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $179,900Momentum Realty · on market 2 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$1,889/yr
A rough first-year estimate only, applying a typical Santa Rosa rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$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 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
$6/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
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
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by COTTON REAL ESTATE · MLS # 688736
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Market data · public records
Recent sales activity in The Cottages Of Hamilton Bridge
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the The Cottages Of Hamilton Bridge neighborhood guide for more.
Comparable sales found
1
Recent nearby closings in the data set.
Community median sale price
$225,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$152
Canonical 12-month median $/sq ft. Reference only.
Go deeper on The Cottages Of Hamilton Bridge
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
Goldring Gulf Distributing plans expansion at Milton facility
Goldring Gulf Distributing filed plans to add 76,400 square feet to its existing 192,000 square foot beverage distribution facility in the Santa Rosa County Industrial Park in East Milton. The expansion would grow the company's footprint in Northwest Florida.
Why it matters: Enlarges an established industrial and distribution operation within the Santa Rosa County Industrial Park and expands the county's industrial base. The site is about 3 miles east of The Cottages Of Hamilton Bridge.
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 Cottages Of Hamilton Bridge, elsewhere in Santa Rosa County.
Schools currently assigned to this address in Santa Rosa County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEC
Bennett C RussellAssigned elementary school · Santa Rosa County School District · Grade C (Florida DOE 2025-26)
R. HOBBSAssigned 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 →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Jun 2026
$209,000
6367 Cottage Woods Dr, Milton
3 / 2 bd/ba · 1,192 sq ft · $175/sq ft
Courtesy of KELLER WILLIAMS REALTY GULF COAST · View details →
Community 12-month median: $152/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$825 – $1,199/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$371 – −$35At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 6299 Cottage Woods Dr, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2001 (25 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 $6/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 1,014 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 $1,889/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
Milton
Groceries, dining, and parks for this city — see the city guide.
Pensacola MLS, refreshed twice daily (last: September 9, 2026)
Community market stats
Pensacola MLS closed sales, as of July 13, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Pensacola MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 6299 Cottage Woods Dr and when was it built?
Per the listing record, 6299 Cottage Woods Dr was built in 2001 and has 1,014 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 6299 Cottage Woods Dr in?
6299 Cottage Woods Dr is in The Cottages Of Hamilton Bridge in Milton, Santa Rosa County. The community section on this page shows recent closed sales, days on market, and active inventory for The Cottages Of Hamilton Bridge from the same MLS data.
Does 6299 Cottage Woods Dr have an HOA, and how much are the dues?
The listing reports HOA dues of $6 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 6299 Cottage Woods Dr differ from the current owner's?
The estimate on this page (about $1,889 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 6299 Cottage Woods 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.
Ready when you are
See 6299 Cottage Woods Dr in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
