Costas Ridge
Homes for Sale in Jay, FL
True comps, carrying-cost math, and listings before the portals.
Costas Ridge right now
🟢 Buyer-leaning market. 12.0 months of supply and 25% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Pensacola MLS records, as of August 10, 2026. Confidence: Medium (4 active and pending listings, 3 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($305K) is up 1.7% from the prior 12 months ($300K). With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Pensacola MLS closed sales, 12-month windows ending August 10. Confidence: Low (3 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated August 10, 2026 · Live data: Pensacola MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Costas Ridge market snapshot (as of August 10, 2026): the median sale price is about $305K ($180 per sq ft over the trailing 12 months of closed sales), a median 71 days on market for closed sales, and 12.0 months of supply, a buyer-leaning market. The trailing-12-month median is up 2% from the prior 12 months, computed from record-level Pensacola MLS closed sales (3 closings in the current window).
Costas Ridge is a community of 50 homes in Jay, Santa Rosa County, built between 1920 and 2024 (median 2023.0), with a median living area of about 2,036 square feet. 76% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Costas Ridge right now
🟢 Buyer-leaning market. 12.0 months of supply and 25% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Pensacola MLS records, as of August 10, 2026. Confidence: Medium (4 active and pending listings, 3 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($305K) is up 1.7% from the prior 12 months ($300K). With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Pensacola MLS closed sales, 12-month windows ending August 10. Confidence: Low (3 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated August 10, 2026 · Live data: Pensacola MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The setting & the homes.
Aerial and on-site photos of Costas Ridge. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Costas Ridge
Costas Ridge
Costas Ridge
Costas Ridge
Costas RidgeMedian sale price over the trailing 12 months ending August 10 of each year, from record-level Pensacola MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($305K) IS the median in the snapshot above, and the move from 2025 ($300K) IS the +1.7% one-year change.
Windows contain 3 to 30 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. 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.
Costas Ridge Market Scorecard
Costas Ridge is currently a buyer-leaning market (limited data). About 12.0 months of supply, a median asking price of $305,000, and homes go under contract in about 102 days.
Typical home value in the 32565 ZIP is $282,206, about 26.6% 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.
Housing distress & ownership in Costas Ridge Jay
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
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.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 10 of each year, from record-level Pensacola MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($305K) IS the median in the snapshot above, and the move from 2025 ($300K) IS the +1.7% one-year change.
Windows contain 3 to 30 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. 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.
27% of homes for sale in ZIP 32565 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-08-10).
Costas Ridge Market Scorecard
Costas Ridge is currently a buyer-leaning market. About 12.0 months of supply, a median asking price of $305,000, and homes go under contract in about 102 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Pensacola MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in Costas Ridge
Live MLS inventory for Costas Ridge. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 103 daysTop listing
Active · 42 days
Active · 102 days
Pending · 14 daysActive and pending Costas Ridge listings as of 2026-08-10, priced high to low. 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. Tap any home to ask about it.
Costas Ridge on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Pensacola MLS. Map data © OpenStreetMap, tiles © CARTO.
Schools
- Santa Rosa County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Chumuckla · Elementary
- CENTRAL · Middle
- Central · High
Zoned schools reflect the assignments reported on recent Costas Ridge listings and can change; always confirm with Santa Rosa County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Costas Ridge address.
The Costas Ridge buying strategy.
If we were buying in Costas Ridge today, this is the order of operations we would run for our clients.
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.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
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 Costas Ridge.
A closer look at the Costas Ridge market
At a median of $180 per square foot, Costas Ridge prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 12.0 months of supply, a buyer-leaning market and the trailing-12-month median up 2% year over year. Homes that do trade take a median 71 days on market, useful leverage on any listing that has lingered.
The housing stock is 50 homes built between 1920 and 2024, and 76% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Costas Ridge. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Costas Ridge buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (5.3). Basis: Recent Direction +1.7% year-over-year; Liquidity & Demand 12.0 months of supply; Owner Commitment 76% owner-occupied; Pricing Power 95.6% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- 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.
Tools for a Costas Ridge buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Costas Ridge sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Costas Ridge, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Costas Ridge home worth?
Get a no-obligation home value based on real comparable sales in Costas Ridge, 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 Costas Ridge on the map →
Frequently Asked Questions
What is the median home price in Costas Ridge?
How long do homes in Costas Ridge take to sell?
Is Costas Ridge a buyer's or seller's market right now?
How many homes are in Costas Ridge?
What share of Costas Ridge is owner-occupied?
When were the homes in Costas Ridge built?
Who is the best real estate agent for Costas Ridge?
How do I find a top Jay real estate agent who knows Costas Ridge?
Can Momentum Realty connect me with an agent for Costas Ridge?
Nearby Communities
Explore more neighborhoods near Costas Ridge with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Pensacola MLS, refreshed twice daily (last: August 10, 2026) |
| Community market stats | Pensacola MLS closed sales, 12-month windows ending August 10, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (2 streets, ZIP 32565/32571)) |
| Under-contract shares | Pensacola MLS records, as of 2026-08-10 |
| Historical depth | Closed-sale records back to 2022 (64 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.
Data sources & freshness
| Live listings | Pensacola MLS, refreshed twice daily (last: August 10, 2026) |
| Community market stats | Pensacola MLS closed sales, 12-month windows ending August 10, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (2 streets, ZIP 32565/32571)) |
| Under-contract shares | Pensacola MLS records, as of 2026-08-10 |
| Historical depth | Closed-sale records back to 2022 (64 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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See how Costas Ridge fits the bigger picture — live prices, inventory, and Momentum Scores: