7777 White Sands Blvd, Navarre Beach, FL 32566
Sources: Pensacola MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 12, 2026, 7777 White Sands Blvd in Navarre Beach is listed at $1,225,000 (2,310 sq ft, about $530 per sq ft). It has been 60 days on market. Listing facts: built in 1993, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1993 · 33 yrs
- 2,310 sq ft of living area
- 3-car garage
- Listed at $1,225,000 — recent neighborhood median sale price ~$465,000 (nearby sales; deemed reliable, not an appraisal)
- 60 days on market
- No HOA reported by the listing (confirm)
About this home
Experience the best of Navarre Beach living in this beautifully maintained beach home offering UNOBSTRUCTED views of the Santa Rosa Sound from the front and GULF VIEWS from the rear deck. Perfectly positioned across from a protected conservation area, these breathtaking VIEWS and SUNSETS are here to stay, providing the perfect backdrop for coastal living. Located on the highly sought-after west end of Navarre Beach, you'll be just a short walk or golf cart ride to the sugar-white sands and emerald waters of the Gulf of Mexico, while also enjoying convenient access to the Gulf Islands National Seashore.
Multiple oversized decks create the perfect setting to relax, entertain, and take in spectacular sunrises, sunsets, and coastal breezes. The private primary suite occupies the entire top floor, creating a true owner's retreat complete with a private balcony overlooking the Sound, an ensuite bathroom with a tub/shower combination, and a conveniently located laundry area. Two additional bedrooms are located on the main level, along with a versatile bonus room that can serve as an office, bunk room, hobby room, or additional sleeping space.
The open-concept living, dining, and kitchen areas provide an inviting space for gathering, while the charming bonus bar room offers additional seating and entertaining space for family and guests. The oversized garage features an air-conditioned flex room, perfect for a game room, TV lounge, workout area, home office, or extra storage. A 6-seat golf cart is negotiable, making trips to the beach even more convenient.
An added benefit is the grandfathered, transferable flood insurance policy, offering valuable long-term savings for the new owner. Whether you're searching for a full-time residence, a second home, or an outstanding vacation rental investment, this coastal retreat combines breathtaking views, and an unbeatable location.
All 48 photos
Description provided by Innerscope Realty and reproduced from the MLS; not independently verified.
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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $6,785/mo 78%
- Taxes $1,254/mo 15%
- Insurance $604/mo 7%
$8,644/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty 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.
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.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Pensacola MLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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.
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.
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
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Navarre Beach market
How this home is priced against recent nearby sales, and where Navarre Beach 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.
This home’s history
- 1993BuiltPer public record
- Aug 7, 2026First seen on movewithmomentum.comObserved at $1,250,000
- Sep 17, 2026Price cut$1,225,000 (-$25,000, -2.0%)
- 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.
Price & listing history
Building permits
Comparable recent sales
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $465,000 ($216/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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.
Stronger local evidence — 6 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $1,225,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 155% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1993 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 — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
- Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
- 408 active listings competing, 177 under contract
For reference, this home is listed at $1,225,000 ($530/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 2,310 sq ft × $182–$464/sq ft (interquartile band of 6 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 12, 2026.
The Momentum read
🟡 Asking $530 per square foot, about 145% above the community’s $216 median. Navarre Beach’s 12-month median sold price per square foot is $216. MLS facts: Pensacola MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Innerscope Realty · MLS # 687125
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More on Santa Rosa County
Explore Santa Rosa County
Browse market data, schools, taxes, and homes for sale across the county.
Assigned schools
Schools currently assigned to this address in Santa Rosa County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Buyer research checklist
Items worth confirming for 7777 White Sands Blvd, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1993 (33 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- 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 2,310 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 $15,050/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $925 more per year than the current owner’s estimated bill (+7%). 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.
Data sources & freshness
| Listing record | Pensacola MLS, checked against the MLS hourly (last: October 12, 2026) |
| Comparable sales | Pensacola MLS closed sales within about 3 miles, last 18 months, as of October 12, 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.
Frequently asked questions
How big is 7777 White Sands Blvd and when was it built?
Per the listing record, 7777 White Sands Blvd was built in 1993 and has 2,310 sq ft of living area, 4 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 7777 White Sands Blvd in?
7777 White Sands Blvd is in Navarre Beach, Santa Rosa County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 7777 White Sands Blvd have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 7777 White Sands Blvd differ from the current owner's?
The estimate on this page (about $15,050 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $925 more per year than the current owner’s estimated bill (+7%). 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 7777 White Sands Blvd in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
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Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.