817 Bay Cliffs Rd, Gulf Breeze, FL 32561
Sources: Pensacola MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 14, 2026, 817 Bay Cliffs Rd in Bay Cliffs, Gulf Breeze is listed at $950,000 (3,511 sq ft, about $271 per sq ft). It has been 32 days on market. Listing facts: built in 1973, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1973 · 53 yrs
- 3,511 sq ft of living area
- 2-car garage
- Listed at $950,000 — recent neighborhood median sale price ~$1,282,500 (nearby sales; deemed reliable, not an appraisal)
- 32 days on market
- No HOA reported by the listing (confirm)
About this home
THIS HOME WAS BUILT IN 1973 FOR THE ORIGINAL OWNERS WHO LIVED THERE UNTIL THEIR PASSING. CUSTOM HOME BUILDER, JIM HINSON, OVERSAW RENOVATIONS IN 1987 AND 1991. ARCHITECTURAL SHINGLE ROOF WAS INSTALLED IN 2021.
VERY WELL BUILT HOME THAT HAS BEEN VACANT FOR QUITE A WHILE. THIS HOME WOULD BE LIVABLE WITH SOME RENOVATION OR GREAT POTENTIAL WITH MAJOR RENOVATION. LARGE GUNNITE POOL RESURFACED IN THE LAST 10 YEARS.
LARGE 1/2+ ACRE LOT OFFSET FROM ROAD ON CUL-DE-SAC WITH ABUNDANT PRIVACY. BACKYARD GREAT FOR KIDS AND ENTERTAINING. KITCHEN HAS ABUNDANT CABINETS, SUB ZERO REFRIGERATOR, TWO MASONRY FIREPLACES, VAULTED LIVING AREA, MULTIPLE CEILING FANS, SPRINKLER SYSTEM WITH WELL, SECURITY SYSTEM, NEW HVAC UNITS INSTALLED AUGUST 2026.
VERY LARGE HEATED/COOLED FLORIDA ROOM. ( ALL OF THE INFORMATION CONTAINED IN THIS LISTING ARE BELIEVED TO BE TRUE AND CORRECT. HOWEVER, IT IS THE SOLE RESPONSIBILITY OF THE BUYER TO CONFIRM AND VERIFY TO THEIR SATISFACTION THROUGH ALL PUBLIC AND PRIVATE MEANS NECESSARY.)
All 16 photos
Description provided by RONALD C. FAGGIONI 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 $5,262/mo 78%
- Taxes $960/mo 14%
- Insurance $515/mo 8%
$6,738/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.
What it really costs to own 817 Bay Cliffs Rd
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $4,175/yr (certified county roll, taxable value × millage). Buy at the asking price of $950,000 and the first-year bill resets to about $11,525/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 12.81 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | The listing states there is no HOA. |
| Home and flood insurance | The average Citizens Property Insurance premium in Santa Rosa County is $2,444/yr (876 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $4,500–$9,000/yr; neither is a quote. |
| Roof and age | Built in 1973. An original roof would be about 53 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Estimated carrying cost at the asking price, before the mortgage: about $1,164/month (tax $960, insurance $204). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
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 Bay Cliffs market
How this home is priced against recent nearby sales, and where Bay Cliffs 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
- 1973BuiltPer public record
- Sep 2, 2026First seen on movewithmomentum.comObserved at $1,200,000
- Sep 15, 2026Price cut$1,100,000 (-$100,000, -8.3%)
- Oct 3, 2026Price cut$950,000 (-$150,000, -13.6%)
- 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: $1,282,500 ($377/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Momentum read
🟡 Asking $271 per square foot, about 28% below the community’s $377 median. Bay Cliffs’s 12-month median sold price per square foot is $377. 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 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 817 Bay Cliffs Rd?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by RONALD C. FAGGIONI · MLS # 688399
Request a showing
Similar homes for sale near Bay Cliffs
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.
Newest listings in Bay Cliffs
- 6668 Maple St · $254,900 · 3 bd / 2.0 ba · listed October 13, 2026 (courtesy of ERA American Real Estate)
- 5049 Dr Martin Luther King Jr Dr · $125,000 · 3 bd / 2.0 ba · listed October 12, 2026 (courtesy of Coldwell Banker Realty)
- 2770 Nelsontown Rd · $45,000 · 3 bd / 2.0 ba · listed October 12, 2026 (courtesy of Joseph Walter Realty, LLC)
- 5514 Maverick Ln · $201,000 · 2 bd / 2.0 ba · listed October 11, 2026 (courtesy of Coldwell Banker Realty)
- 5232 Emerald Dr · $439,000 · 4 bd / 2.5 ba · listed October 11, 2026 (courtesy of Berkshire Hathaway Home Services PenFed Realty)
- 5212 Crystal Creek Dr · $475,000 · 4 bd / 3.0 ba · listed October 10, 2026 (courtesy of Coldwell Banker Realty)
Just listed: new homes for sale in the Pensacola area in the last 48 hours · updated hourly · RSS · The Pensacola area market today: new listings, price cuts, pendings
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 817 Bay Cliffs Rd, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1973 (53 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 3,511 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 $11,525/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $7,350 more per year than the current owner’s estimated bill (+176%). 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 14, 2026) |
| Comparable sales | Pensacola MLS closed sales within about 3 miles, last 18 months, as of October 14, 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 817 Bay Cliffs Rd and when was it built?
Per the listing record, 817 Bay Cliffs Rd was built in 1973 and has 3,511 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 817 Bay Cliffs Rd in?
817 Bay Cliffs Rd is in Bay Cliffs in Gulf Breeze, Santa Rosa County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 817 Bay Cliffs Rd 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 817 Bay Cliffs Rd differ from the current owner's?
The estimate on this page (about $11,525 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $7,350 more per year than the current owner’s estimated bill (+176%). 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 817 Bay Cliffs Rd 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.
See 817 Bay Cliffs Rd 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.
Momentum Realty · licensed in FL & GA
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.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Multiple Listing Service of the Pensacola Association of REALTORS®. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Multiple Listing Service of the Pensacola Association of REALTORS®. Copyright© 2026 by the Multiple Listing Service of the Pensacola Association of REALTORS® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS®. Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited. All rights reserved.
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.