Clipper Bay in Gulf Breeze

Clipper Bay
Homes for Sale in Gulf Breeze, FL

Community in Gulf Breeze · Santa Rosa County
17 homesBuilt 2017–2024
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True comps, carrying-cost math, and listings before the portals.

Built fromLive Pensacola MLS data4 years of closingsFL DOR public recordsUpdated twice daily
Live · Clipper Bay Housing Pulse Pensacola MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 8,500+ transactions · Top 1% in Florida (RealTrends)
Tempo
0 · 0
For sale · pending
live counts, refreshed twice daily
Ownership and context
47%
Owner-occupied · Clipper Bay
8 of 17 parcels homesteaded (FL DOR 2025)
53%
Non-owner-occupied · Clipper Bay
incl. 6% trust or LLC-held · 29% out-of-state
17
Homes in the community
17 residential parcels (FL DOR 2025)
Track record · 4 years of records
Est. 2017
Community established
homes built 2017-2024, median 2021 (FL DOR 2025)
1
Failed listings · 2026
peaked at 7 in 2011
Jon Brooks, founder of Momentum Realty
Jon's Current Read

Clipper Bay is a small, newer enclave in Gulf Breeze — just 17 homes, all built between 2017 and 2024, with a median build year of 2021. What sets price here is condition and size rather than location alone: these are substantial, recent-construction houses, with a median living area of 3,688 square feet. When one trades, expect the number to be driven by finish level, lot position, and how current the systems are, not by any wide age spread, because there really isn't one.

The current posture is tight. There are zero active listings as of July 2026, which tells you inventory rarely sits and that a buyer needs to be ready to move the moment something lists. For a would-be seller, that scarcity is leverage — but with so few comparable sales in a community this small, pricing has to be argued carefully off recent, genuinely comparable transactions rather than assumed.

Best for

  • Buyers targeting larger, newer homes who value low variability in build age
  • Patient purchasers willing to wait and act quickly when a home lists
  • Owners seeking a low-maintenance, recent-construction primary residence in Gulf Breeze

Probably not for

  • Buyers who need to close on a short timeline and can't wait for inventory
  • Anyone wanting a smaller or older, lower-square-footage home
  • Those prioritizing pools, clubhouses, or other on-site community amenities

The market around Clipper Bay

Clipper Bay is a small community — 40 recorded sales on file, most recently in 2026 — too few for its own price trend. Here is the market around it.

Across Santa Rosa County, 581 homes are active and 348 pending (38% under contract).

ZIP and county figures describe the wider market, not Clipper Bay specifically. Momentum Research analysis of MLS records.

Housing distress & ownership in Clipper Bay, Gulf Breeze

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 31 listings

Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. 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. Deemed reliable but not guaranteed.

If we were buying in Clipper Bay today, this is the order of operations we would run for our clients.

1

Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Clipper Bay.

Best Buy
Buyers who want large, newer construction in Gulf Breeze and can wait for the right home to surface.
Biggest Risk
With zero active listings and only 17 homes, opportunities are rare and hard to time.
Sweet Spot
A recent-construction home with strong finish and lot position, bought when one becomes available.
Avoid If
You need to move now or want a resort-style amenity package built into the community.

A small, new-build pocket with no listings on the board

The defining traits here are scale and newness. With 17 homes and a median living area of 3,688 square feet, this is a community of larger, recently built houses — the oldest dates to 2017, the newest to 2024. That consistency simplifies one thing for buyers: you are largely comparing homes of similar vintage, so differences come down to condition, layout, and lot rather than a home being decades older than its neighbor.

No community amenities were identified from current MLS listings, so treat this as a residential enclave rather than an amenitized development, and weigh the home itself accordingly. The homestead share sits just under half, at 47.1 percent, which points to a meaningful non-owner-occupied component — worth noting if you care about the mix of primary residences on your street. With zero active listings, there is nothing to tour today; getting in means being positioned before the next home hits the market.

The location and the amenities are priced into every listing in Clipper Bay. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

In a 17-home community with nothing currently listed, the win comes from access and timing, not browsing. We track when these homes turn over and build the comparable-sales case that a market this thin demands — so a buyer is ready to act the day a home lists, and a seller prices off real evidence rather than guesswork.

Clipper Bay in 15 seconds.

Best forBuyers who want large, newer construction in Gulf Breeze and can wait for the right home to surface.
Biggest advantageA consistent, recent-build stock means fewer surprises on age and systems.
Biggest riskWith zero active listings and only 17 homes, opportunities are rare and hard to time.
Sweet spotA recent-construction home with strong finish and lot position, bought when one becomes available.
Avoid ifYou need to move now or want a resort-style amenity package built into the community.

HOA, CDD & Fees

In short
  • Mandatory HOA — confirm current dues
  • Any club/amenity membership is billed separately

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Clipper Bay sales matched to your home.

What is your Clipper Bay home worth?

Get a no-obligation home value based on real comparable sales in Clipper Bay, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See homes for sale in Clipper Bay on the map →

Real comps, not an automated estimate.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Santa Rosa County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$2,148/mo
Santa Rosa County typical true cost to own
$204/mo
Santa Rosa County typical home insurance
Check CDD
Confirm before you offer

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

Clipper Bay Market Scorecard

Buyer-Leaning Market (limited data)

Clipper Bay is currently a buyer-leaning market (limited data). Limited supply, a median asking price of n/a.

n/a
Months supply
n/a
Median list
$970,000
Median sold
$374
Per sqft
n/a
Days on mkt
0/0/1
Active/Pend/Sold

Typical home value in the 32566 ZIP is $420,674, about 15.4% below the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: 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. Refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

How many homes are in Clipper Bay?
The Florida DOR 2025 assessment roll shows 17 homes in Clipper Bay (public records).
What share of Clipper Bay is owner-occupied?
47% of Clipper Bay parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Clipper Bay built?
Homes in Clipper Bay were built between 2017 and 2024, with a median year built of 2021 (FL DOR 2025 roll).
Who is the best real estate agent for Clipper Bay?
The best agent for Clipper Bay is one who actively works Gulf Breeze and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Clipper Bay.
How do I find a top Gulf Breeze real estate agent who knows Clipper Bay?
Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Clipper Bay and the wider Gulf Breeze area.
Can Momentum Realty connect me with an agent for Clipper Bay?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Clipper Bay purchase or sale - no call center and no pressure.
Buyers targeting larger, newer homes who value low variability in build ageExcellent fit
Patient purchasers willing to wait and act quickly when a home listsExcellent fit
Owners seeking a low-maintenance, recent-construction primary residence in Gulf BreezeExcellent fit
Buyers who need to close on a short timeline and can't wait for inventoryProbably not
Anyone wanting a smaller or older, lower-square-footage homeProbably not
Those prioritizing pools, clubhouses, or other on-site community amenitiesProbably not

Nearby Communities

Explore more neighborhoods near Clipper Bay with Momentum Realty’s local guides.

HNHomeport Navarre BeachGulf Breeze, FL · 1.2 miIGIvalea GardensGulf Breeze, FL · 1.2 miPCPromise CreekGulf Breeze, FL · 1.6 miNSNavarre ShoresGulf Breeze, FL · 1.6 miSCSailmaker CoveGulf Breeze, FL · 1.6 miNBNavarre BeachGulf Breeze, FL · 1.9 miVAVillage At NavarreGulf Breeze, FL · 1.9 miKEKassandra EstatesGulf Breeze, FL · 2.1 mi

Browse all Florida neighborhood guides →

Data sources & freshness

Live listingsPensacola MLS, refreshed twice daily (last: July 3, 2026)
Housing stock & ownershipFlorida DOR 2025 assessment roll (community parcel extract)
Under-contract sharesPensacola MLS records, as of 2026-07-12
Historical depthClosed-sale records back to 2022 (4 transactions analyzed)

Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.

Momentum Research figures are our own analysis of Pensacola MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.

Own a home here?

You just read the data. Now see what your home is worth.

The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Pensacola MLS member average and 8 days faster, and we’ll price yours against live your area comps.

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