Single Family Residence in Chanteclaire, Gulf Breeze · No CDD on record
Chanteclaire · Gulf Breeze, FL 32561 · Santa Rosa County
Listing data updated October 18, 2026 at 6:03 AM ET · checked against the MLS hourly
Listed by Levin Rinke Realty (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
5Bedrooms
2.5Bathrooms
3,746Sq Ft
1985Year Built
$318Per Sq Ft
2-car garageNo CDD on record5 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.
8% above
$/sq ft vs community
$318 here vs $294 median sold (12 mo)
Buyer leverage
Balanced market
4 days on market
6.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$6k–$11k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 18, 2026, 84 Chanteclaire Cir in Chanteclaire, Gulf Breeze is listed at $1,190,000 (3,746 sq ft, about $318 per sq ft). That is 20% above Chanteclaire's median closed sale of $995,000 over the last 12 months (2 recorded sales). It came to market within the past week. Listing facts: built in 1985, HOA dues of $46/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1985 · 41 yrs
3,746 sq ft of living area
2-car garage
Listed at $1,190,000 — recent neighborhood median sale price ~$995,000 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA $46/mo (per listing)
Listing description
About this home
This traditional beauty has been thoughtfully refreshed inside and out, making it truly move-in ready. Recent updates include all-new windows (March 2026), a fully renovated guest bathroom, newer first-floor HVAC (2021), new LED lighting throughout, and a new pool screen enclosure (2025) — giving this classic home a fresh, modern edge without losing its timeless character. Set on an oversized corner lot shaded by mature oak trees, the home makes an immediate impression, with upstairs and downstairs porches running the full length of the house overlooking a spacious front yard.
Inside, wide-plank hardwood floors flow through the dining, living, and family rooms beneath crisp white crown molding. The family room centers around a capped fireplace with brick surround and a granite-topped wet bar with beverage fridge, while oversized windows frame views of the pool. A cozy adjoining sitting room or office adds flexible space.
The kitchen is a chef's dream, featuring a Thermador gas cooktop, Viking refrigerator, Nugget ice maker, and a generous walk-in pantry. The sunny breakfast nook overlooks the pool, and the dining room comfortably seats 8–10 for effortless entertaining. A spacious laundry room offers pool access, and the two-car garage includes ample bonus storage.
Upstairs, all four bedrooms offer comfort and privacy. The primary suite includes a separate sitting area or nursery/office opening onto one of the home's porches, plus a spa-like en-suite bath with neutral tile, a soaking whirlpool tub, and a large walk-in closet. The third floor offers a large fifth bedroom, playroom, or game room — a versatile bonus space full of possibilities, whether you need a guest suite, media room, or hangout spot.
Outside, the screened-in pool creates a private oasis for year-round Florida living, all set in a wonderful, established neighborhood just minutes from top-rated schools.
All 62 photos
Description provided by Levin Rinke Realty 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$1,190,000
Bed / bath5 / 2.5
Living area3,746 sq ft
Year built1985
Property typeSingle Family Residence
Garage2-car
MLS #689503
Listing statusNew — 4 days on market
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~15 ft
CountySanta Rosa
Area listings0 active · 0 under contract
Estimated first-year tax~$14,600/yr
CDD assessmentNone on record
HOA$46/mo
Calculated estimates
Price per sq ft$318
Estimated monthly payment$8,500
Insurance (illustrative)$6k–$11k/yr
Messtimate range$876,564 – $2,075,284
Comparable-sales median$995,000
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
Financing
Estimated monthly payment
$8,500/mo
Principal & interest $6,591/mo78%
Taxes $1,217/mo14%
Insurance $646/mo8%
HOA $46/mo1%
$8,500/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Santa Rosa County rate (12.81 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property 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.
Current owner’s estimated bill $8,475/yr ($706/mo) — taxable value $662,715 × 12.81 mills
$6,125 more each year
(+72%)
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.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$143,698
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$806,413
Market value
$713,437
Assessed
$662,715
Taxable
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.
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 84 Chanteclaire Cir
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 $8,475/yr (certified county roll, taxable value × millage). Buy at the asking price of $1,190,000 and the first-year bill resets to about $14,600/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
$46/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
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 $5,500–$11,000/yr; neither is a quote.
Roof and age
Built in 1985. An original roof would be about 41 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 $1,466/month (tax $1,217, HOA $46, insurance $204). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
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.
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)
$6k–$11k/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
$46/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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~15 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 · Chanteclaire
Pricing & the Chanteclaire market
How this home is priced against recent nearby sales, and where Chanteclaire 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 Chanteclaire
Each dot is a closed sale since 2005 (51 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, 2018–2024. This home lists at $318/sq ft.
Median sale price by year
12-month median closed price, 2012–2024.
Property timeline
This home’s history
1985BuiltPer public record
Oct 1, 2026First seen on movewithmomentum.comObserved at $1,190,000
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.
Transparency
Price & listing history
Listed for $1,190,000Momentum Realty · on market 4 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 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.
Sold Nov 2025
$2,050,000
506 Eventide Dr, Gulf Breeze
5 / 3.5 bd/ba · 3,702 sq ft · $554/sq ft
Courtesy of LPT Realty · View details →
Sold Apr 2026
$2,350,000
325 Deer Point Dr, Gulf Breeze
5 / 4.5 bd/ba · 3,565 sq ft · $659/sq ft
Courtesy of Levin Rinke Realty · View details →
Sold Feb 2026
$950,000
92 Chanteclaire Cir, Gulf Breeze
5 / 3 bd/ba · 4,065 sq ft · $234/sq ft
Courtesy of KELLER WILLIAMS REALTY GULF COAST · View details →
Sold Feb 2026
$950,000
92 Chanteclaire Cir, Gulf Breeze
5 / 3 bd/ba · 4,065 sq ft · $234/sq ft
Courtesy of KELLER WILLIAMS REALTY GULF COAST · View details →
Sold Jun 2026
$990,000
279 Plantation Hill Rd, Gulf Breeze
4 / 4 bd/ba · 3,401 sq ft · $291/sq ft
Courtesy of KELLER WILLIAMS REALTY GULF COAST · View details →
Sold Aug 2026
$1,000,000
1132 Soundview Trl, Gulf Breeze
4 / 4 bd/ba · 3,366 sq ft · $297/sq ft
Courtesy of PARADISE COASTAL REALTY, INC. · View details →
Median of these 6 sales: $995,000 ($294/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
🟡 Asking $318 per square foot, about 8% above the community’s $294 median. Chanteclaire’s 12-month median sold price per square foot is $294. Confidence: Low · 2 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.
94% of homes in Chanteclaire are owner-occupied. An estimated 6% are non-owner-occupied, including 0% held in a company or trust and 6% 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), 31 homes matched. Community-level context.
Updated October 18, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Levin Rinke Realty · MLS # 689503
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Keep looking
Similar homes for sale near Chanteclaire
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.
Sep 2026 · Infrastructure
Santa Rosa commissioners consider $826,544 signal at SR 87 and Ray Helms Road
The September 22 Santa Rosa County commission agenda included an $826,544 contract with Griffin Traffic Signals for a traffic light at State Road 87 and Ray Helms Road, the truck route to Milton Interchange Park, plus resurfacing and sidewalk work. A separate $106,480 contract would replace signs at the park, now called the I-10 Coastal Commerce Center. The article is a preview of the meeting.
Why it matters: A signal and resurfacing on SR 87 would affect truck and commuter traffic flow near the I-10 industrial park in Milton. The project is about 25 miles northeast of Chanteclaire, elsewhere in Santa Rosa County.
Pensacola mayor says new airport terminal construction starts next week
At a September 17 briefing, Mayor D.C. Reeves said the notice to proceed for the new terminal at Pensacola International Airport would be issued the following week, with site preparation starting shortly after. He described it as a nine-figure investment. A separate 600-space parking expansion still needs construction funding.
Why it matters: Terminal construction signals added air-travel capacity at the airport and construction activity near the airport corridor. The site is about 7 miles north of Chanteclaire.
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 21 miles northeast of Chanteclaire, elsewhere in Santa Rosa County.
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 16 miles east of Chanteclaire, 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.
GRADEA
Gulf BreezeAssigned elementary school · Santa Rosa County School District · Grade A (Florida DOE 2025-26)
GRADEA
GULF BREEZEAssigned middle school · Santa Rosa County School District · Grade A (Florida DOE 2025-26)
GRADEA
Gulf BreezeAssigned 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 →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 84 Chanteclaire Cir, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1985 (41 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 $46/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 3,746 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 $14,600/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $6,125 more per year than the current owner’s estimated bill (+72%). 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, checked against the MLS hourly (last: October 18, 2026)
Comparable sales
Pensacola MLS closed sales within about 3 miles, last 18 months, as of September 20, 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.
Answered before you ask
Frequently asked questions
How big is 84 Chanteclaire Cir and when was it built?
Per the listing record, 84 Chanteclaire Cir was built in 1985 and has 3,746 sq ft of living area, 5 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 84 Chanteclaire Cir in?
84 Chanteclaire Cir is in Chanteclaire in Gulf Breeze, Santa Rosa County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 84 Chanteclaire Cir have an HOA, and how much are the dues?
The listing reports HOA dues of $46 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 84 Chanteclaire Cir differ from the current owner's?
The estimate on this page (about $14,600 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $6,125 more per year than the current owner’s estimated bill (+72%). 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 84 Chanteclaire Cir 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.
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®.
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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.
