8687 Naturewalk Dr, Jay, FL 32565
Sources: Pensacola MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 21, 2026, 8687 Naturewalk Dr in Naturewalk At Pond Creek, Jay is listed at $1,079,000 (3,049 sq ft, about $354 per sq ft). That sits within a few percent of Naturewalk At Pond Creek's median closed sale of $969,000 over the last 12 months (3 recorded sales). It came to market within the past week. Listing facts: new construction, HOA dues of $153/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
- 3,049 sq ft of living area
- 2-car garage
- Listed at $1,079,000 — recent neighborhood median sale price ~$969,000 (nearby sales; deemed reliable, not an appraisal)
- Active listing
- HOA $153/mo (per listing)
Pricing & the Naturewalk At Pond Creek market
How this home is priced against recent nearby sales, and where Naturewalk At Pond Creek 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
- 2026BuiltPer public record
- Aug 12, 2026First trackedObserved at $1,079,000
- 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.
Estimated monthly payment
- Principal & interest $5,714/mo 81%
- Taxes $944/mo 13%
- Insurance $283/mo 4%
- HOA $153/mo 2%
$7,094/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
44/100 is below average 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.
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.
The Momentum read
🟡 Asking $354 per square foot, about 3% above the community’s $345 median. Naturewalk At Pond Creek’s 12-month median sold price per square foot is $345. Confidence: Low · 3 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.
Recent Naturewalk At Pond Creek sales closed near 108.0% 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 7 active listings in Naturewalk At Pond Creek, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 21, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Welcome to a truly one-of-a-kind custom home nestled on 2 private acres in NatureWalk at Pond Creek. Thoughtfully designed with timeless finishes and exceptional attention to detail, this 4-bedroom, 3.5-bath home offers 3,049 square feet of elevated yet comfortable living space. From the moment you enter through the striking custom front doors, you'll notice the craftsmanship throughout.
Beautiful hardwood floors, soaring ceilings, 8-foot doors, custom millwork, warm white oak cabinetry, and carefully selected finishes create a sophisticated, welcoming atmosphere. The heart of the home is designed for gathering, featuring a stunning double-sided indoor/outdoor fireplace that connects the spacious living area to the wrap-around back porch. The outdoor living space extends the home's entertaining area with a custom fire pit and plenty of room to relax and enjoy the peaceful 2-acre setting.
The chef's kitchen combines beauty and function with custom white oak cabinetry, a distinctive micro-cement vent hood, and a hidden walk-in pantry featuring floor-to-ceiling storage and a library ladder that is as beautiful as it is functional. The private primary suite offers a true retreat, with a spa-inspired bathroom featuring a spacious wet room and freestanding soaking tub. The oversized laundry room offers ample storage and folding space, and comes complete with a built-in washer and dryer.
A custom mudroom bench provides additional practical storage, while the dedicated office just off the foyer offers a quiet workspace tucked away from the main living areas. Upstairs, a private bonus room/bedroom with its own ensuite bathroom provides flexible space for guests, children, a home office, or a second living area. Set within NatureWalk at Pond Creek, this property offers the rare combination of acreage, privacy, and a peaceful natural setting while remaining conveniently located to Pace, Milton, and Pensacola.
All 43 photos
Description provided by List Now Realty LLC 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
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.
Actual list price: $1,079,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% 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 — 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 $153/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:
- 7 active listings competing, 1 under contract
- ≈42.0 months of supply
- 2 closed here in the last 12 months
For reference, this home is listed at $1,079,000 ($354/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 3,049 sq ft × $304–$386/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 21, 2026.
Similar homes for sale near Naturewalk At Pond Creek
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 Jay
- 10830 Straw Bridge Rd, Jay · $489,900 · 4 bd / 2.5 ba · listed September 19, 2026 (courtesy of Woodlands & Homes, LLC)
- 4963 Hwy 4, Jay · $229,999 · 4 bd / 2.0 ba · listed September 16, 2026 (courtesy of KELLER WILLIAMS REALTY GULF COAST)
- 4723 Our Ln, Jay · $335,000 · 3 bd / 2.0 ba · listed September 12, 2026 (courtesy of Woodlands & Homes, LLC)
- 3244 Shell Rd, Jay · $345,000 · 4 bd / 2.0 ba · listed September 12, 2026 (courtesy of Woodlands & Homes, LLC)
- 9475 Chumuckla Hwy, Jay · $889,900 · 6 bd / 4.0 ba · listed September 12, 2026 (courtesy of Realty Connections, LLC)
- 4660 Morristown Rd, Jay · $299,000 · 2 bd / 2.0 ba · listed September 12, 2026 (courtesy of Woodlands & Homes, LLC)
Recently off market in Naturewalk At Pond Creek
- 3571 Maple Branch Ln · last listed $825,000 · 2026-09-19
- 8679 Naturewalk Dr · last listed $999,999 · 2026-09-17
- 3526 Creekdown Ln · last listed $979,900 · 2026-09-17
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by List Now Realty LLC · MLS # 687321
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Recent sales activity in Naturewalk At Pond Creek
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 Naturewalk At Pond Creek neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Naturewalk At Pond Creek
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.
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 →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Community 12-month median: $345/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.
Investment snapshot
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.
Buyer research checklist
Items worth confirming for 8687 Naturewalk 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 $153/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 3,049 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 $11,330/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.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | Pensacola MLS, refreshed twice daily (last: September 21, 2026) |
| Community market stats | Pensacola MLS closed sales, as of September 20, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| 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.
Frequently asked questions
How big is 8687 Naturewalk Dr and when was it built?
Per the listing record, 8687 Naturewalk Dr was built in 2026 and has 3,049 sq ft of living area, 4 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 8687 Naturewalk Dr in?
8687 Naturewalk Dr is in Naturewalk At Pond Creek in Jay, Santa Rosa County. The community section on this page shows recent closed sales, days on market, and active inventory for Naturewalk At Pond Creek from the same MLS data.
Does 8687 Naturewalk Dr have an HOA, and how much are the dues?
The listing reports HOA dues of $153 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 8687 Naturewalk Dr differ from the current owner's?
The estimate on this page (about $11,330 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 8687 Naturewalk 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.
See 8687 Naturewalk Dr in person
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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 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.
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