Single Family Residence in Robledal Estates, Navarre · No CDD
Robledal Estates · Navarre, FL 32566 · Santa Rosa
Listing data updated September 30, 2026 · refreshed hourly
3Bedrooms
2Bathrooms
1,798Sq Ft
2003Year Built
$179Per Sq Ft
2-car garageNo 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.
20% below
$/sq ft vs community
$179 here vs $223 median sold (12 mo)
Buyer leverage
Balanced market
3.0-month supply
3.0 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.
Below all 4
Price vs recent sales
Asking $322k is at or below all 4 recent closed sales
As of September 30, 2026, 6913 Calle De Bandoledo in Robledal Estates, Navarre is listed at $322,000 (1,798 sq ft, about $179 per sq ft). That is 28% below Robledal Estates's median closed sale of $450,000 over the last 12 months (4 recorded sales). Per square foot it is below the community's recent $223/sq ft by about 20%. It came to market within the past week. Listing facts: built in 2003, HOA dues of $1/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2003 · 23 yrs
1,798 sq ft of living area
2-car garage
Listed at $322,000 — recent neighborhood median sale price ~$450,000 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA $1/mo (per listing)
Momentum Research · Robledal Estates
Pricing & the Robledal Estates market
How this home is priced against recent nearby sales, and where Robledal Estates 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 Robledal Estates
Each dot is a closed sale since 2005 (145 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 $179/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 21 (cold).
Property timeline
This home’s history
2003BuiltPer public record
Sep 17, 2026First trackedObserved at $322,000
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
$2,138/mo
Principal & interest $1,719/mo80%
Taxes $282/mo13%
Insurance $136/mo6%
HOA $1/mo0%
$2,138/mo at 20% down, 30-yr @ 7.03% · 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 $3,625/yr ($302/mo)
-$150 more each year
(--4%)
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.
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.
Momentum Scores
Momentum Property Score
73/100
Strongest on: Price vs area (99), Affordability (97)
0 limited50100 exceptional
73/100 is strong 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 area99
This home $179/sq ft vs the community 12-month median $223/sq ft.
Affordability97
List price $322,000 vs the community median $450,000. Not a measure of personal affordability.
Market liquidity42
Community median 116 days on market, ~3.0 months of supply (12-month record).
Renovation upside46
From a 2003 build and $179/sq ft vs the community median $223/sq ft. Not a condition assessment.
Pricing power75
Recent sales closed at about 92.9% of original asking (~7.1% below). More room below asking generally favors buyers.
Market timing79
Momentum Market Heat is 21/100 (cold). 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.
Momentum Research
The Momentum read
🟡 Asking $179 per square foot, about 20% below the community’s $223 median. Robledal Estates’s 12-month median sold price per square foot is $223. Median sold price per square foot is up 7.1% year over year. Confidence: Low · 4 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.
92% of homes in Robledal Estates are owner-occupied. An estimated 8% are non-owner-occupied, including 0% held in a company or trust and 0% 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), 24 homes matched. Community-level context.
Recent Robledal Estates sales closed near 92.9% 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 September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1 active listings in Robledal Estates, no CDD assessment.
Updated September 30, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Opportunity awaits at 6913 Calle De Bandoledo in Navarre! This 3-bedroom, 2-bath brick home offers a spacious and functional floor plan with plenty of potential for a buyer ready to make it their own. The living room features a fireplace and opens to the kitchen and bright breakfast nook, while a separate dining room provides additional space for dining, entertaining, or a home office.
The kitchen offers ample cabinetry, generous counter space, breakfast bar, and appliances. The primary bedroom features a tray ceiling, two closets, and private bath with double vanity, garden tub, and separate shower. Two additional bedrooms share a hall bath with a tiled walk-in shower and glass enclosure.
A screened porch overlooks the backyard and provides additional space to enjoy the outdoors. Other features include an indoor laundry room and attached two-car garage. The home is in need of some repairs and updating but offers a great opportunity to add your own personal touches and build equity.
Conveniently located in Navarre with easy access to shopping, dining, beaches, and area amenities.
All 13 photos
Description provided by Nexthome Momentum Realty 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$322,000
Bed / bath3 / 2
Living area1,798 sq ft
Year built2003
Property typeSingle Family Residence
Garage2-car
MLS #689052
Listing statusActive
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountySanta Rosa
Area listings1 active · 1 under contract
Estimated first-year tax~$3,381/yr
CDD assessmentNone on record
HOA (per listing)$1/mo
Calculated estimates
Price per sq ft$179
Estimated monthly payment$2,138
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$450,000
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
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.
$352,408the mess$449,500
Actual list price: $322,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% 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 — 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 $1/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:
2 active listings competing, 1 under contract
≈3.0 months of supply
4 closed here in the last 12 months
For reference, this home is listed at $322,000 ($179/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: 1,798 sq ft × $196–$250/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 30, 2026.
Keep looking
Similar homes for sale near Robledal Estates
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.
7524 Hatteras Dr, Navarre · $439,900 · 3 bd / 2.0 ba · listed September 30, 2026 (courtesy of Herbst Realty)
2056 Aurora Dr, Navarre · $339,900 · 3 bd / 2.0 ba · listed September 29, 2026 (courtesy of ERA American Real Estate)
7595 Marthas Way, Navarre · $399,700 · 4 bd / 3.0 ba · listed September 29, 2026 (courtesy of Levin Rinke Realty)
2801 Brassie Cir, Navarre · $365,000 · 3 bd / 2.0 ba · listed September 29, 2026 (courtesy of LPT Realty)
8477 Gulf Blvd #901, Navarre · $1,045,000 · 3 bd / 3.0 ba · listed September 29, 2026 (courtesy of ISLAND VIEW REALTY)
2410 Ennis Ct, Navarre · $449,000 · 3 bd / 2.0 ba · listed September 26, 2026 (courtesy of Coldwell Banker Realty)
Transparency
Price & listing history
Listed for $322,000Momentum Realty · on market 0 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.)
~$3,381/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)
$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
$1/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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Market data · public records
Recent sales activity in Robledal Estates
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 Robledal Estates neighborhood guide for more.
Comparable sales found
2
Recent nearby closings in the data set.
Community median sale price
$450,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$223
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Robledal Estates
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 project is about 22 miles northwest of Robledal Estates, elsewhere in Santa Rosa County.
DeSantis signs state budget with funding for Okaloosa County projects
Governor DeSantis signed the state budget that included roughly $15 million for 20 Okaloosa County projects, among them $5 million for the Northwest Florida State College Workforce Innovation Center in Niceville, $1.5 million for Shalimar Bridge Park, and $3 million for Destin road and drainage work. About $7.26 million in other local requests were vetoed.
Why it matters: Directs state funding toward workforce, park, road, and drainage infrastructure across Okaloosa County, supporting public facilities and capacity in Niceville, Shalimar, and Destin. The site is about 16 miles northeast of Robledal Estates.
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 10 miles west of Robledal Estates, 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.
GRADEA
West NavarreAssigned 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)
GRADEA
NavarreAssigned high school · Santa Rosa County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
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 May 2026
$365,000
3150 Calle De Cortez, Navarre
3 / 2 bd/ba · 1,748 sq ft · $209/sq ft
Courtesy of Maritime Realty · View details →
Sold Mar 2026
$520,000
6523 Calle De Lago, Navarre
3 / 2.5 bd/ba · 2,195 sq ft · $237/sq ft
Courtesy of World Impact Real Estate · View details →
Community 12-month median: $223/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.
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$1,476 – $2,147/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−$702 – −$98At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 6913 Calle De Bandoledo, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2003 (23 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 $1/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 1,798 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 $3,381/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.
Pensacola MLS, refreshed hourly (last: September 30, 2026)
Community market stats
Pensacola MLS closed sales, as of September 20, 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 6913 Calle De Bandoledo and when was it built?
Per the listing record, 6913 Calle De Bandoledo was built in 2003 and has 1,798 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 6913 Calle De Bandoledo in?
6913 Calle De Bandoledo is in Robledal Estates in Navarre, Santa Rosa County. The community section on this page shows recent closed sales, days on market, and active inventory for Robledal Estates from the same MLS data.
Does 6913 Calle De Bandoledo have an HOA, and how much are the dues?
The listing reports HOA dues of $1 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 6913 Calle De Bandoledo differ from the current owner's?
The estimate on this page (about $3,381 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 6913 Calle De Bandoledo 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 6913 Calle De Bandoledo 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 jon@movewithmomentum.com 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.
