Cotton Bay Estates Navarre
Homes for Sale in Navarre, FL
True comps, carrying-cost math, and listings before the portals.
Cotton Bay Estates Navarre is a small, fully built enclave of 28 homes constructed in 1997 and 1998. With three-quarters of owners homesteaded, this is a hold-and-stay neighborhood where turnover is rare. The single active listing against that backdrop tells you most owners aren't in a hurry to leave.
The four-month supply puts the community in balanced territory—neither a bidding-war scramble nor a buyer's buffet. For sellers, that means realistic pricing and a normal timeline. For buyers, it means you'll need to move when the right house appears, but you won't be writing offers sight-unseen.
Cotton Bay Estates Navarre right now
🟡 Balanced market. 4.0 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.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 July 13, 2026. Confidence: Low (1 active and pending listings, 0 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 13, 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 Cotton Bay Estates Navarre. Swipe to explore the community.
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Cotton Bay Estates Navarre
Cotton Bay Estates Navarre
Cotton Bay Estates Navarre
Cotton Bay Estates Navarre
Cotton Bay Estates NavarreWho Cotton Bay Estates Navarre is best for.
Best for
- Buyers prioritizing Navarre location and beach access over new construction or clubhouse perks
- Households comfortable evaluating and budgeting for the maintenance needs of late-Nineties construction
- Buyers who value neighborhood stability and low turnover, and are patient enough to wait for rare inventory
Probably not for
- Buyers expecting move-in-ready condition or turnkey systems without renovation or repair budgets
- Anyone seeking community amenities—pool, fitness center, social events—as part of the package
- Buyers who need multiple listings to compare at once; inventory here is typically one home at a time, if that
Homes For Sale Right Now in Cotton Bay Estates Navarre
Live MLS inventory for Cotton Bay Estates Navarre. 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 Cotton Bay Estates Navarre listings as of 2026-07-03, 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.
Cotton Bay Estates Navarre 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.
How far is everything?
The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.
Drive times from Cotton Bay Estates. They are approximate and vary with traffic and your exact start point.
Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.
Nearby Communities
Explore more neighborhoods near Cotton Bay Estates Homes for Sale in Navarre, FL with Momentum Realty’s local guides.
Carrying cost · the no-CDD edge
No CDD bond means thousands less per year than newer master plans.
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
- 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
Cotton Bay Estates 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 Cotton Bay Estates address.
What is actually shaping value at Cotton Bay Estates, sourced and dated. The no-HOA carry, the school proximity, and area flooding are the practical facts.
Recent Developments in Cotton Bay Estates
Our read on what is being built around Cotton Bay Estates, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.
No HOA, with the intermediate school on the street
No HOA, with the intermediate school on the street
A-rated Santa Rosa County district
A-rated Santa Rosa County district
Area flooding history and US-98 commute
Area flooding history and US-98 commute
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 Cotton Bay Estates, 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 ↓
- 2025-2026
Market
Navarre 32566 softens
Into 2026 the 32566 ZIP eased modestly (average value around $410,000, flat year over year), with days on market lengthening and about 63 percent of sales closing under list. Why it matters: Softer conditions give buyers room; comp by individual home. Source
- 2024-2025
Schools
Santa Rosa County rated an A district
Santa Rosa County District Schools earned an A district rating for 2024-2025, with West Navarre Intermediate (7/10) and Holley-Navarre Middle (7/10), and Navarre High at 5/10. Why it matters: A strong county district supports demand; confirm the zoned schools and weigh the high school. 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.
The Cotton Bay Estates Navarre buying strategy.
If we were buying in Cotton Bay Estates Navarre 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.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
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 Cotton Bay Estates Navarre.
What you're actually buying
Cotton Bay Estates Navarre consists of 28 single-family homes built within a single two-year window at the end of the Nineties. The median home offers 2,206 square feet of living space—a size that fits the era's four-bedroom, two-story footprint without veering into estate territory. This is tract construction from the late-Clinton era: vinyl siding, builder-grade interiors, two-car garages. Condition varies owner by owner; some have been updated, some are time capsules.
There are no community amenities—no pool, no clubhouse, no HOA amenity package. What you get is proximity to Navarre's beaches and a neighborhood where 75 percent of residents have declared homestead exemption, which typically signals long-term occupancy and local ties. Turnover is infrequent; with one home on the market out of 28, inventory moves in single digits.
The four-month supply reflects a balanced posture. Sellers aren't sitting on listings indefinitely, and buyers aren't lining up five deep. Pricing discipline matters here; overreach and a home will sit, underprice and it moves quickly. For buyers, the challenge is simply that opportunities are scarce—when something does surface, you need to be ready.
The location and the amenities are priced into every listing in Cotton Bay Estates Navarre. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a neighborhood this small and this stable, access matters more than hype. Momentum's agents know when a Cotton Bay Estates listing is about to come to market, what condition and updates actually move the needle, and how to position an offer in a balanced environment where neither urgency nor complacency wins. We'll walk the property with you and tell you honestly whether the deferred maintenance or original mechanicals make it worth the price—or whether you should wait for the next one. And if you're selling, we'll price it to move without leaving money on the table, because in a 28-home enclave, your comp set is tight and your window is narrow.
Cotton Bay Estates Navarre in 15 seconds.
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 Cotton Bay Estates Navarre 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 Cotton Bay Estates Navarre sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cotton Bay Estates Navarre, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cotton Bay Estates Navarre home worth?
Get a no-obligation home value based on real comparable sales in Cotton Bay Estates Navarre, 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 Cotton Bay Estates on the map →
Or get your Cotton Bay Estates home value & selling guide →
What is your Cotton Bay Estates home worth?
Get a no-obligation home value based on real comparable sales in Cotton Bay Estates 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.
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.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Santa Rosa County scorecard.
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.
32% of homes for sale in ZIP 32566 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 (2026-07-18).
Cotton Bay Estates Market Scorecard
Cotton Bay Estates is currently a buyer-leaning market (limited data). About 6.0 months of supply, a median asking price of $429,900, and homes go under contract in about 27 days.
Typical home value in the 32566 ZIP is $418,527, about 15.7% 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.
Cotton Bay Estates Market Scorecard
Cotton Bay Estates is currently a buyer-leaning market (limited data). About 4.0 months of supply, a median asking price of $437,500, and homes go under contract in about 14 days.
Typical home value in the 32566 ZIP is $418,527, about 15.7% 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
Is Cotton Bay Estates Navarre a buyer's or seller's market right now?
How many homes are in Cotton Bay Estates Navarre?
What share of Cotton Bay Estates Navarre is owner-occupied?
When were the homes in Cotton Bay Estates Navarre built?
Who is the best real estate agent for Cotton Bay Estates Navarre?
How do I find a top Navarre real estate agent who knows Cotton Bay Estates Navarre?
Can Momentum Realty connect me with an agent for Cotton Bay Estates Navarre?
Should you buy in Cotton Bay Estates Navarre?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Cotton Bay Estates Navarre with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Pensacola MLS, refreshed twice daily (last: July 3, 2026) |
| Housing stock & ownership | Florida DOR 2025 assessment roll (community parcel extract) |
| Under-contract shares | Pensacola MLS records, as of 2026-07-12 |
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.
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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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