Single Family Residence in Blackwater Reserve, Milton · No CDD on record · Built 2026
Blackwater Reserve · Milton, FL 32583 · Santa Rosa County
Listing data updated October 3, 2026 · refreshed hourly
5Bedrooms
3.5Bathrooms
2,995Sq Ft
2026Year Built
$134Per Sq Ft
2-car garageNew constructionNo CDD on recordFEMA Zone X5 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.
22% below
$/sq ft vs community
$134 here vs $172 median sold (12 mo)
Buyer leverage
Strong seller market
27 days on market
2.6 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~114 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 12 of 12
Price vs recent sales
Asking $402k tops 12 of the last 12 closed sales; also one of the largest homes here at 2,995 sq ft
As of October 3, 2026, 8064 Flying Duck Dr in Blackwater Reserve, Milton is listed at $401,900 (2,995 sq ft, about $134 per sq ft). That is 26% above Blackwater Reserve's median closed sale of $319,900 over the last 12 months (103 recorded sales). Per square foot it is below the community's recent $172/sq ft by about 22%. It has been 27 days on market, well inside the community's typical 69 days. Listing facts: new construction, HOA dues of $51/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
New construction — built 2026
2,995 sq ft of living area
2-car garage
Listed at $401,900 — recent neighborhood median sale price ~$319,900 (nearby sales; deemed reliable, not an appraisal)
27 days on market
HOA $51/mo (per listing)
Listing description
About this home
Welcome to Blackwater Reserve Community offering residents use of a beautiful Community Pool, Lazy River & Pickle Ball and more. The Embry is a spacious 5 bed, 3.5 bath two-story home offering over 2,900 sq ft with a 2-car garage. The first floor features a private primary suite with a large walk-in closet.
A flex space off the foyer is perfect for a home office or dining area. The open-concept kitchen includes stainless steel appliances, and a center island that flows into the great room. Upstairs offers four additional bedrooms, two full baths (including one ensuite), and a versatile bonus living area.
This highly desirable home comes standard with a Smart Home Technology package with several Smart devices for your convenience. Hurricane fabric window and door protection is standard. Stylish classic, timeless curb appeal, and located in a fast-growing location with easy access to the Interstate.
All 42 photos
Description provided by D R Horton Realty of NW Florida, LLC 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$401,900
Bed / bath5 / 3.5
Living area2,995 sq ft
Year built2026
Property typeSingle Family Residence
Garage2-car
MLS #686616
Listing statusPending
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~114 ft
CountySanta Rosa
Area listings22 active · 18 under contract
Estimated first-year tax~$4,220/yr
CDD assessmentNone on record
HOA$51/mo
Calculated estimates
Price per sq ft$134
Estimated monthly payment$2,708
Insurance (illustrative)$1k–$2k/yr
Messtimate range$398,335 – $461,230
Comparable-sales median$319,900
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$2,708/mo
Principal & interest $2,200/mo81%
Taxes $352/mo13%
Insurance $106/mo4%
HOA $51/mo2%
$2,708/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
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.)
~$4,220/yr
Estimate: a typical Santa Rosa effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
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 insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$51/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~114 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 · Blackwater Reserve
Pricing & the Blackwater Reserve market
How this home is priced against recent nearby sales, and where Blackwater Reserve 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 Blackwater Reserve
Each dot is a closed sale since 2025 (132 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Pensacola MLS closed sales.
Property timeline
This home’s history
2026BuiltPer public record
Aug 4, 2026First seen on movewithmomentum.comObserved at $401,900
NowUnder contractCurrently pending
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 $401,900Momentum Realty · on market 27 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 Blackwater Reserve 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
$399,900
8081 Flying Duck Dr, Milton
5 / 3.5 bd/ba · 2,995 sq ft · $134/sq ft
Courtesy of D R Horton Realty of NW Florida, LLC · View details →
Sold Sep 2026
$399,900
8081 Flying Duck Dr, Milton
5 / 3.5 bd/ba · 2,995 sq ft · $134/sq ft
Courtesy of D R Horton Realty of NW Florida, LLC · View details →
Sold Sep 2026
$398,900
8094 Fox Hunt Dr, Milton
5 / 3.5 bd/ba · 2,995 sq ft · $133/sq ft
Courtesy of D R Horton Realty of NW Florida, LLC · View details →
Sold Sep 2026
$398,900
8094 Fox Hunt Dr, Milton
5 / 3.5 bd/ba · 2,995 sq ft · $133/sq ft
Courtesy of D R Horton Realty of NW Florida, LLC · View details →
Sold Sep 2026
$379,900
8096 Flying Duck Dr, Milton
4 / 2.5 bd/ba · 2,464 sq ft · $154/sq ft
Courtesy of D R Horton Realty of NW Florida, LLC · View details →
Sold Sep 2026
$379,900
8096 Flying Duck Dr, Milton
4 / 2.5 bd/ba · 2,464 sq ft · $154/sq ft
Courtesy of D R Horton Realty of NW Florida, LLC · View details →
Median of these 6 sales: $319,900 ($172/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.
$398,335the mess$461,230
Stronger local evidence — 6 comparable closed sales in Blackwater Reserve, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $401,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 16% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
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 $51/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: 27 days on market vs. a 69-day community median
17 active listings competing, 13 under contract
≈2.6 months of supply
109 closed here in the last 12 months
For reference, this home is listed at $401,900 ($134/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: 2,995 sq ft × $133–$154/sq ft (interquartile band of 6 comparable closed sales in Blackwater Reserve, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 3, 2026.
Momentum Scores
Momentum Property Score
66/100
Strongest on: Price vs area (100), Flood safety (95)
0 limited50100 exceptional
66/100 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 area100
This home $134/sq ft vs the community 12-month median $172/sq ft.
Affordability7
List price $401,900 vs the community median $319,900. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~114 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2026 build. Obtain a property-specific quote.
Market liquidity57
Community median 69 days on market, ~2.6 months of supply (12-month record).
Pricing power58
Recent sales closed at about 96.4% of original asking (~3.6% below). More room below asking generally favors buyers.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
🟡 Asking $134 per square foot, about 22% below the community’s $172 median. Blackwater Reserve’s 12-month median sold price per square foot is $172. Median sold price per square foot is down 5.0% year over year. Confidence: Very High · 103 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.
0% of homes in Blackwater Reserve are owner-occupied. An estimated 100% are non-owner-occupied, including 56% 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), 44 homes matched. Community-level context.
Recent Blackwater Reserve sales closed near 96.4% 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 22 active listings in Blackwater Reserve, no CDD assessment.
Updated October 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by D R Horton Realty of NW Florida, LLC · MLS # 686616
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Keep looking
Similar homes for sale near Blackwater Reserve
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.
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 less than a mile west of Blackwater Reserve.
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 17 miles south of Blackwater Reserve, elsewhere in Santa Rosa County.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Santa Rosa County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEC
East MiltonAssigned elementary school · Santa Rosa County School District · Grade C (Florida DOE 2025-26)
KINGAssigned middle school · Santa Rosa County School District
GRADEB
MiltonAssigned high school · Santa Rosa County School District · Grade B (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 8064 Flying Duck Dr, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
HOA dues are listed at $51/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Santa Rosa County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 2,995 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 $4,220/yr) assumes reassessment at the list price; the seller's current bill is not a guide 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, refreshed hourly (last: October 3, 2026)
Comparable sales
Pensacola MLS closed sales in Blackwater Reserve, last 18 months, as of September 20, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Typical county effective rate applied to the list price; 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 8064 Flying Duck Dr and when was it built?
Per the listing record, 8064 Flying Duck Dr was built in 2026 and has 2,995 sq ft of living area, 5 bedrooms and 3.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 8064 Flying Duck Dr in?
8064 Flying Duck Dr is in Blackwater Reserve in Milton, Santa Rosa County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 8064 Flying Duck Dr have an HOA, and how much are the dues?
The listing reports HOA dues of $51 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 8064 Flying Duck Dr differ from the current owner's?
The estimate on this page (about $4,220 per year) assumes reassessment at the list price less the homestead exemption. 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 8064 Flying Duck Dr in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 8064 Flying Duck 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 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.
