Costas Ridge in Jay

Costas Ridge

Built-out rural community · Jay, Santa Rosa County · ZIP 32565

An affordable, nearly-new single-story home in the rural far north of Santa Rosa County.

Nearly-new homesRural elbow roomA-rated schools
Live Market Pulse
68/100
Momentum
Balanced Market (limited data)
These are nearly-new, rural homes, so the lot, the commute, and the price against the rural field decide where one trades.
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Unlock Off-Market Costas Ridge

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive Pensacola MLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulsePensacola MLS
$302K
Median Price
3mo
Supply
2days
Avg DOM
Balanced
Seller Leverage
$178/sf
Median $/Sqft
-6%
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Costas Ridge is a recent, built-out Century Complete community in the Jay countryside, the most northern new-home community in Santa Rosa County, so it reads as a nearly-new resale market in a rural setting. Homes are single-story and uniform, so the lot, floor plan, and condition since move-in drive value. The pull is an affordable, brand-new home with rural elbow room and A-rated schools; the trade-off is a long commute to Pensacola. Your leverage is the lot and the price against the rural field."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Costas Ridge market snapshot (as of June 11, 2026): the median sale price is about $302K ($178 per sq ft), with homes averaging 2 days on market and 3.0 months of supply, a balanced market (limited data). Based on 4 recent closings in live Pensacola MLS data.

Costas Ridge is a built-out new-construction community in Jay (ZIP 32565), in the central Santa Rosa County countryside, on Hollandtown Road near Highway 178 (Spanish Trail), between Jay and Chumuckla. It is roughly 25 minutes north of the Five Points area in Pace and is the most northern new-home community in Santa Rosa County.

The community was built by Century Complete, part of Century Communities, with single-story stylish homes. It is now sold out, so purchases are resales of nearly-new homes only a few years old. Confirm the current availability and floor plans for a specific home.

The setting is rural countryside with the affordability and elbow room that draws buyers to the county's far north, in the A-rated Santa Rosa County School District. There may be a homeowners association; confirm the current dues and what they cover, and verify whether any community development district (CDD) bond applies. Confirm the zoning by address.

Because the homes are recent and uniform, the buy hinges on the lot and light condition since move-in rather than a deep renovation. A larger or better-positioned lot is the part of the value most likely to hold up at resale in a rural, affordable market.

Best for

  • Buyers who want an affordable, nearly-new home with rural elbow room
  • Buyers who prioritize the A-rated Santa Rosa County schools
  • Buyers comfortable with a far-north county location and longer commute
  • Buyers who want a low-maintenance single-story home

Probably not for

  • Buyers who need a short commute to Pensacola or the coast
  • Buyers who want an established neighborhood with mature trees
  • Buyers who want urban or suburban conveniences nearby
  • Buyers seeking a downtown or beachfront location

How Costas Ridge is performing right now

68/100
momentum
Balanced Market (limited data)
Seller's marketBalancedBuyer's market
3Months of supplytight
2Median days on marketdays
2 : 1Under contract vs for salestrong demand
4Sold in last 12 monthsliquidity
+127%Median price since 2012appreciation
+12%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from Pensacola MLS, as of June 11, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Costas Ridge listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in Costas Ridge buys, holds, and resells. See the five factors.

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 and pending Costas Ridge listings as of 2026-06-11, 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.

Listing locations from Pensacola MLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The takeaway

The far-north Jay location trades a long commute for an affordable, nearly-new home, country space, and the A-rated schools.

Jay (town center)~8-10 min · ~5 miles
Pace (Five Points)~25 min · ~16 miles
Downtown Milton~25-30 min · ~18 miles
Interstate 10 (Avalon Blvd)~35-40 min · ~25 miles
Downtown Pensacola~45-50 min · ~32 miles
Navarre Beach~55-60 min · ~38 miles

Drive times are approximate and vary with traffic and your exact departure point. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Costas Ridge with Momentum Realty’s local guides.

The Pines at Crofton FarmsThe Pines at Crofton FarmsJay, FL · 1.9 miRhett's RunRhett's RunJay, FL · 5.2 miNatureWalkat Pond CreekNatureWalkat Pond CreekPace, FL · 8.5 miBuffalo RidgeBuffalo RidgePace, FL · 10.1 miJubileeJubileePace, FL · 11.1 miHammersmithHammersmithPace, FL · 11.1 miAshley PlantationAshley PlantationPace, FL · 11.2 miRound Up ValleyRound Up ValleyMilton, FL · 11.3 miStonechaseStonechasePace, FL · 11.6 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
Costas Ridge (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take
  • Santa Rosa County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Confirm current ratings before relying on them
  • Private and parochial options nearby

Costas Ridge is served by Santa Rosa County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Buying with schools in mind? We can confirm the exact zoned schools for any Costas Ridge address.

The takeaway

What is actually shaping value around Costas Ridge: residential growth expanding into far-north Santa Rosa, the A-rated schools, and an affordable rural price point. Each item is sourced and linked.

Recent Developments in Costas Ridge

Our read on what is being built around Costas Ridge, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishCounty growth reaching the far north and the affordable price point point demand steady, with the commute the main counterweight. The watch item for a buyer is the lot and the real commute.

Residential growth expanding into far-north Santa Rosa

2025
BullishNotable impact
SignificanceRadius: County

New communities reaching Jay show development expanding north from Pace, supporting demand in the far county.

A-rated school district anchors demand

Ongoing
BullishNotable impact
SignificanceRadius: County

A consistently A-rated district is a durable demand driver even in the county's rural north.

Affordable, rural price point

Ongoing
BullishMinor impact
SignificanceRadius: Community

Affordable, nearly-new homes with country space draw value buyers willing to accept the commute.

Long commute is the trade-off

Ongoing
NeutralNotable impact
SignificanceRadius: Community

The far-north location means a longer commute to Pace, Pensacola, and the coast, a factor for resale demand.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Costas Ridge, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

  1. January 2025
    County

    Santa Rosa County posts continued strong growth

    County data and reporting showed Santa Rosa among the fastest-growing counties in the metro, with development expanding north toward Jay. Why it matters: Growth reaching the far north supports demand, while the commute remains the trade-off. Source

  2. March 2025
    Market

    Santa Rosa County housing inventory and sales climb

    Market data showed inventory and monthly sales rising across the county in early 2025 as new communities came online. Why it matters: A deeper market gives rural value buyers more options to weigh. Source

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

If we were buying in Costas Ridge, this is the order of operations we would run, and the one we run for our clients.

1

Read the lot and light condition. On a recent home, check the lot and any wear since move-in rather than a deep renovation.

2

Confirm any HOA and CDD. Verify whether an HOA or a CDD bond applies to the homesite.

3

Confirm the commute. Verify the real drive to Pace, Pensacola, or your workplace from this far-north location.

4

Verify the school zoning. Confirm the assigned Santa Rosa schools for the specific address with the district.

5

Match the home to real comps. Read a nearly-new home against the closest rural Jay-area sales.

Best Buy
A well-kept home on a larger or better-positioned lot, priced to the rural field
Biggest Risk
Underweighting the commute, or paying an urban premium for a far-north rural home
Best Lot
A larger or better-positioned country lot
Smart Timing
Confirm any HOA and CDD, the commute, and school zoning before you offer
The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Costas Ridge is a built-out Century Complete new-construction community in the central Santa Rosa countryside near Jay, on Hollandtown Road near Highway 178 between Jay and Chumuckla, roughly 25 minutes north of the Five Points area in Pace. It is the most northern new-home community in Santa Rosa County, with single-story stylish homes, now sold out and functioning as a nearly-new resale market. The setting is rural countryside with affordability and elbow room, in the A-rated Santa Rosa County School District. There is no golf or country-club membership; the value story is the lot, light condition since move-in, the rural affordability, and the trade-off of a longer commute.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

The Entry Home
$275K to $300K

The smaller single-story plans on standard lots, the affordable nearly-new entry into the Jay countryside.

Lowest entry
The Core Home
$300K to $315K

The larger single-story plans on solid country lots, the heart of the resale market here.

Most inventory
The Best Lot
$315K to $315K

Well-kept homes on the larger or best-positioned country lots, the homes that hold value best.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

$275K to $300K
The Entry Home
The smaller single-story plans on standard lots, the affordable nearly-new entry into the Jay countryside.
$300K to $315K
The Core Home
The larger single-story plans on solid country lots, the heart of the resale market here.
$315K to $315K
The Best Lot
Well-kept homes on the larger or best-positioned country lots, the homes that hold value best.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

15-Second Take
  • Renovation math decides the deal
  • Better lots and views resell strongest
  • Roof and HVAC age drive the insurance quote
  • Interior lots are where buyers overpay
Jon Brooks, Momentum Realty
Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Affordable rural price pointStrong
A-rated Santa Rosa schoolsStrong
Nearly-new, low-maintenance homesPositive
Long commute to Pensacola and the coastTrade-off
Thinner far-north resale marketManage it

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Jon Brooks, Momentum Realty
Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Costas Ridge

15-Second Take
  • Calling the listing agent (who works for the seller)
  • Misjudging the renovation budget
  • Overpaying for an interior lot
  • Underbudgeting the carrying costs
  • Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

These homes are nearly new and rural. The deal is won or lost on the lot, the commute, and the price versus the rural field.

Jon Brooks · Founder, Momentum Realty
7.0B- · Buy Score
Resale Strength6.8/10
Renovation Risk2.6/10
Location Efficiency6.2/10
Long-Term Defensibility6.8/10
Carrying Cost Advantage8.2/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Why our read on Costas Ridge is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live Pensacola MLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live Pensacola MLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

Which Lots & Views Hold Value Best

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)
$261 value$401 premium
Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from Pensacola MLS; for orientation, not an appraisal.

15-Second Take
  • Larger and better-positioned country lots hold value best
  • Rural elbow room is the draw here
  • On a recent home, the lot is the main differentiator
  • Light condition since move-in matters, not a reno
  • Weigh the lot against the rural field

In a recent, rural community, the floor plans are uniform, so the lot does most of the work on value. Larger or better-positioned country lots hold value best, and light condition since move-in matters more than a deep renovation. Read the lot and condition, and price the home against the rural Jay-area field rather than an urban benchmark.

Costas Ridge in 15 seconds.

Best forBuyers who want an affordable, nearly-new home with rural elbow room and A-rated schools.
Biggest advantageA recent, low-maintenance single-story home at an affordable price with country space.
Biggest riskA long commute to Pensacola and the coast from the county's far north.
Sweet spotA well-kept home on a larger country lot, priced to the rural field.
Avoid ifYou need a short commute, an established neighborhood, or nearby urban conveniences.

HOA, CDD & Fees

15-Second Take
  • Confirm whether an HOA and dues apply
  • Verify whether a CDD bond applies per homesite
  • Nearly-new single-story homes, built out
  • Rural Jay countryside, A-rated schools
  • Confirm the commute from the far north

Costas Ridge may have a homeowners association typical of a recent community; confirm whether an HOA and dues apply, and what they cover, for a specific home.

Where an HOA applies, typical upkeep of common areas and entries. Verify exactly what is covered and whether any community development district (CDD) bond applies to the homesite.

There is no golf or country-club membership; the rural countryside setting and affordability are the draws.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Momentum listings (YTD)
97.98%
Sold-to-list ratio across our market for our agents, sellers keeping more of their price.
Market average (YTD)
96.73%
The broader metro average sold-to-list ratio over the same period.
Momentum days on market
64 days
Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
Market days on market
72 days
The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Costas Ridge, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Chase Farms, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Costas Ridge home worth?

Get a no-obligation home value based on real comparable sales in Costas Ridge matched to your condition, lot, and view, 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 the full Costas Ridge home value & selling guide, recent comps, fees, and 2026 timing →

Real comps, not a Zestimate.

Price History: What Homes Here Have Actually Sold For

Median sale prices in Costas Ridge year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.

Costas Ridge Market Scorecard

Seller's market

Costas Ridge is currently a seller's market. About 3.0 months of supply, a median asking price of $324,999, and homes go under contract in about 2 days.

3.0
Months supply
$324,999
Median list
$302,450
Median sold
$199
Per sqft
2
Days on mkt
1/2/4
Active/Pend/Sold

Typical home value in the 32565 ZIP is $273,893, about 28.3% below the Florida norm (Zillow Home Value Index).

Zoom out for the wider market: ZIP market scorecard · county scorecard.

Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Who built Costas Ridge in Jay?
Costas Ridge was built by Century Complete, part of Century Communities, with single-story homes in the central Santa Rosa countryside near Jay.
Is Costas Ridge still selling new homes?
No. Costas Ridge is sold out and built out, so purchases are resales of nearly-new homes only a few years old.
Where is Costas Ridge located?
It is on Hollandtown Road near Highway 178 (Spanish Trail) between Jay and Chumuckla, roughly 25 minutes north of the Five Points area in Pace, the most northern new-home community in Santa Rosa County.
What kind of homes are in Costas Ridge?
Single-story, stylish, recent homes in a rural countryside setting. Confirm the current floor plans and availability for a specific home.
Does Costas Ridge have an HOA or CDD?
Confirm whether an HOA and dues apply, and verify whether a community development district (CDD) bond applies to the specific homesite, before you commit.
What schools serve Costas Ridge?
Costas Ridge is in the A-rated Santa Rosa County School District. Confirm the exact assigned schools for a specific address with the district.
Is Jay a rural area?
Yes. Jay is in the rural far north of Santa Rosa County, valued for affordability and country elbow room, with a longer commute to Pace and Pensacola. Tour the area to confirm the commute and feel for your needs.
How long is the commute from Costas Ridge to Pensacola?
It is a far-north location, roughly 25 minutes to Pace's Five Points and longer to Pensacola. Confirm your real commute at your real departure time.
Is Costas Ridge a good value?
It can offer a nearly-new home at a rural, affordable price point. Weigh that against the longer commute and read the lot and condition. The right figure is a comparable-sales read.
Is Costas Ridge a good investment?
Santa Rosa County's growth and schools support demand, though far-north rural resale is thinner. The lot, condition, and the rural field drive the outcome; this is not a guarantee of future value.
How far is Costas Ridge from the beaches?
The Gulf beaches are a long drive from the county's far north. Confirm your real commute at your real departure time.
Should I use the listing agent to buy in Costas Ridge?
No. The listing agent works for the seller. Even on a nearly-new rural home, having your own representation protects your interests on price and the contract.
Buyers who want an affordable, nearly-new home with rural elbow roomExcellent fit
Buyers who prioritize the A-rated Santa Rosa County schoolsExcellent fit
Buyers comfortable with a far-north county location and longer commuteExcellent fit
Buyers who want a low-maintenance single-story homeExcellent fit
Buyers who value country space over urban convenienceExcellent fit
Buyers who need a short commute to Pensacola or the coastProbably not
Buyers who want an established neighborhood with mature treesProbably not
Buyers who want urban or suburban conveniences nearbyProbably not
Buyers seeking a downtown or beachfront locationProbably not
Buyers unwilling to confirm any HOA, CDD, or the commuteProbably not

Get the inside read on Costas Ridge

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Costas Ridge home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

We respond personally, usually the same day.

You are all set.

A Momentum Realty Costas Ridge specialist will reach out personally, usually the same day.

Costas Ridge median home price history from 2012 to 2026 — chart by Momentum Realty
Median sale price in Costas Ridge, Florida by year (2012–2026). Source: Momentum Realty.
Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Listing data provided by the Multiple Listing Service of the Pensacola Association of REALTORS®. Information deemed reliable but not guaranteed.

Zoom out before you decide: see the Pensacola area market guide or every community in the Neighborhood Finder.

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