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Cotton Bay Estates in Navarre

Cotton Bay Estates

Established 1988 · Intracoastal West · ZIP 32224

An established 1998 Navarre neighborhood, no HOA, walk to the intermediate school.

No HOAWalk to the intermediate schoolA-rated Navarre schools
Live Market Pulse
52/100
Momentum
Buyer-Leaning Market (limited data)
Tight supply keeps sellers in control, but dated interiors still trade at a discount, so condition is where buyers win.
Free · No obligation
Unlock Off-Market Cotton Bay Estates

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
$410K
Median Price
4mo
Supply
0days
Avg DOM
Soft
Seller Leverage
$214/sf
Median $/Sqft
-6%
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Cotton Bay Estates is an established (1998) single-family neighborhood in West Navarre with two standout features: no HOA and the West Navarre Intermediate School literally on Cotton Bay Lane. It feeds A-rated Santa Rosa County schools, is minutes to Navarre's US-98 retail, and trades across a wide range ($335,000 to $627,000) on quarter-acre lots, with strong military demand from Hurlburt, NAS Whiting, and Eglin. The honest reads are 1998 homes now on a systems cycle, a 5/10 zoned high school, the single-corridor US-98 commute, and Navarre's documented area flooding history (verify the FEMA zone per lot). Buy it for the no-HOA carry and the school proximity; inspect the systems, check the flood zone, and comp by individual home."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Cotton Bay Estates market snapshot (as of June 11, 2026): the median sale price is about $410K ($214 per sq ft), a buyer-leaning market (limited data). Based on 3 recent closings in live Pensacola MLS data.

Cotton Bay Estates is an established single-family neighborhood in West Navarre, an unincorporated part of Santa Rosa County (32566), on Cotton Bay Lane just north of US-98, about a mile or two from East Bay.

The homes are detached, largely single-story brick houses, three and four bedrooms, roughly 1,400 to 2,950 square feet on quarter-acre lots, built primarily in 1998. It is a built-out, interior neighborhood (not waterfront), with no single builder.

There is no HOA (confirmed across listings) and no CDD identified, so recurring overhead is just taxes and insurance. Confirm any deed restrictions for the specific home.

The draw is no-HOA value with West Navarre Intermediate School on the same street and an A-rated Santa Rosa County district, minutes from Navarre's retail and about 10 to 15 minutes from Navarre Beach. The trade-offs are 1998 homes on a systems cycle, a 5/10 zoned high school, the single-corridor US-98 commute, and area flooding history to verify per lot.

Quick Match

Who Cotton Bay Estates is best for.

Best for

  • Buyers who want a no-HOA home steps from a 7/10 intermediate school
  • Military buyers wanting Navarre proximity to Hurlburt, Whiting, and Eglin
  • Value buyers who want no HOA in an A-rated district

Probably not for

  • Families set on a strong zoned high school
  • Buyers who want a waterfront or HOA-managed community
  • Daily NAS Pensacola commuters (it is a long drive west)
Market Pulse

How Cotton Bay Estates is performing right now

52/100
momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
4Months of supplytight
0Median days on marketdays
0 : 1Under contract vs for salestrong demand
3Sold in last 12 monthsliquidity
+127%Median price since 2012appreciation
-13%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 Cotton Bay Estates 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 Cotton Bay Estates buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Cotton Bay Estates

Live MLS inventory for Cotton Bay Estates. 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.

6951 Cotton Boll Ln home for sale in Cotton Bay EstatesActive · 0 daysTop listing
$449,000
5 bd · 3 ba · 2,418 sqft · built 1997
6951 Cotton Boll Ln, Navarre, 32566
Reno opportunityBest value
Listed by Levin Rinke Realty

Active and pending Cotton Bay Estates 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.

Interactive Map

Cotton Bay Estates on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.

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.

Nearby & Commute

How far is everything?

The takeaway

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.

Navarre US-98 retail (Walmart, dining)~2-5 min · immediate
Navarre Beach~10-15 min · south via SR-87
Hurlburt Field~30-45 min · east on US-98
NAS Whiting Field (Milton)~30-40 min · north via FL-87
I-10 (Milton/Pace area)~20-25 min · north
NAS Pensacola~35-50 min · west on US-98

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 with Momentum Realty’s local guides.

Kassandra EstatesKassandra EstatesGulf Breeze, FL · 0.2 miForest Bay EstatesForest Bay EstatesGulf Breeze, FL · 0.9 miParadiseBayParadiseBayGulf Breeze, FL · 1.0 miEast Bay River EstatesEast Bay River EstatesNavarre, FL · 1.4 miLagniappe BeachLagniappe BeachGulf Breeze, FL · 1.4 miBay PinesBay PinesGulf Breeze, FL · 1.9 miSmugglers CoveSmugglers CoveGulf Breeze, FL · 1.9 miQuayside VillageQuayside VillageGulf Breeze, FL · 2.0 miWoodlawn HeightsWoodlawn HeightsGulf Breeze, FL · 2.0 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
Cotton Bay Estates (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

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.

The takeaway

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

Development Intelligence

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.

Net OutlookBullishThe backdrop is steady Navarre demand on strong schools and military proximity, against a softer 32566 market. The recurring items are 1998 home systems and area flood exposure.

No HOA, with the intermediate school on the street

BullishNo HOA and West Navarre Intermediate (7/10) literally on Cotton Bay Lane is a scarce, established combination. impact
SignificanceRadius: Community

No HOA, with the intermediate school on the street

A-rated Santa Rosa County district

BullishNavarre feeds the A-rated Santa Rosa County district, a durable family draw and a support for resale. impact
SignificanceRadius: Navarre

A-rated Santa Rosa County district

Area flooding history and US-98 commute

NeutralNavarre saw documented street flooding from Hurricane Sally (2020), and US-98 is the single west-east corridor; verify the flood zone per lot and weigh the commute. impact
SignificanceRadius: Navarre

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 ↓

  1. 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

  2. 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 Strategy

The Cotton Bay Estates buying strategy.

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

1

Inspect the 1998 systems. Get a rigorous inspection of the roof, HVAC, and systems and budget for updates on a 25-plus-year-old home.

2

Pull the FEMA flood zone. Navarre saw documented area flooding from Hurricane Sally; confirm the flood zone and a bindable quote for the exact lot.

3

Confirm no HOA and any deed restrictions. Verify there is no HOA or CDD and any individual deed restrictions for the specific home.

4

Verify the schools, especially the high school. Confirm the assigned schools by address, weighing the strong intermediate and the 5/10 high school.

5

Comp by individual home. The neighborhood has a wide price range; comp to the closest comparable Cotton Bay homes.

The Quick Decision
Best Buy
A well-kept 1998 brick home whose roof and systems are addressed, priced to recent in-neighborhood comps, with the flood zone confirmed, near the intermediate school.
Biggest Risk
Underbudgeting 1998 systems, missing area flood exposure, or anchoring to the wide-range median.
Best Lot
Quarter-acre lots are similar; weigh what the home backs to and the drainage.
Smart Timing
A softer 32566 market gives buyers room; comp by individual home.
Deep-Dive Intelligence

The full read, only if you want it.

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

Cotton Bay Estates is an established single-family neighborhood in West Navarre (unincorporated Santa Rosa County, 32566), on Cotton Bay Lane just north of US-98, with detached single-story brick homes (roughly 1,400 to 2,950 square feet) on quarter-acre lots built primarily in 1998; it is interior, not waterfront. There is no HOA (confirmed across listings) and no CDD identified, keeping the carry minimal. The draw is no-HOA value with West Navarre Intermediate School (7/10) on the same street and an A-rated Santa Rosa County district, minutes from Navarre's retail and Navarre Beach; trade-offs are 1998 homes on a systems cycle, a 5/10 zoned high school, the single-corridor US-98 commute, and area flooding history to verify per lot. Schools are in the Santa Rosa County School District; confirm assignments by address.

Cotton Bay Estates Homes For Sale

What your money buys in Cotton Bay Estates.

The takeaway

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

Here are the broad resale bands in Cotton Bay Estates today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

Entry: smaller 1998 homes
$375K to $410K

The lower end is the smaller three-bedroom 1998 homes (around 1,400 to 1,800 square feet), with a 2020 sale around $335,000 and current estimates in the low-to-mid $400,000s (Trulia, 2020-2026).

Lowest entry
Mid: four-bedroom family homes
$410K to $470K

The core is the four-bedroom homes (around 2,000 to 2,300 square feet), tracking near the 32566 ZIP median around $390,000 to $410,000 (Zillow, 2026).

Most inventory
High: largest or updated homes
$470K to $470K

The top is the largest or fully updated homes (around 2,950 square feet), with a 2024 sale around $627,000 (Trulia). Size and condition separate these; comp by home.

Strongest resale

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

See Off-Market & Private Listings
What Your Money Buys

What ~$410K buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

$375K to $410K
Entry: smaller 1998 homes
The lower end is the smaller three-bedroom 1998 homes (around 1,400 to 1,800 square feet), with a 2020 sale around $335,000 and current estimates in the low-to-mid $400,000s (Trulia, 2020-2026).
$410K to $470K
Mid: four-bedroom family homes
The core is the four-bedroom homes (around 2,000 to 2,300 square feet), tracking near the 32566 ZIP median around $390,000 to $410,000 (Zillow, 2026).
$470K to $470K
High: largest or updated homes
The top is the largest or fully updated homes (around 2,950 square feet), with a 2024 sale around $627,000 (Trulia). Size and condition separate these; comp by home.

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

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in Cotton Bay Estates, condition, lot, and the renovation math, read from current listings and recent sales.

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
Proprietary Data

The renovation premium.

Renovated-listing inventory in Cotton Bay Estates is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.

Lot Value

The lot premium.

On a preferred homesite (water, preserve, corner, or a larger lot), the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.

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.

Resale Strength Scorecard

How well Cotton Bay Estates holds value.

Our read on the factors that protect resale here, and the one to manage.

No CDD on the tax billStrong
Central Intracoastal West locationStrong
Scarce golf and lake homesitesStrong
$30M club reinvestment to 2028Positive
All-resale 1990s conditionManage 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 Cotton Bay Estates

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.

Cotton Bay Estates1

Calling the listing agent

The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.

Cotton Bay Estates2

Misjudging the renovation math

A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.

Cotton Bay Estates3

Overpaying for an interior lot

A premium homesite (water, preserve, or a preferred position) carries a real, durable premium. Pay a top price for an interior lot and you are buying the weakest version of the value.

Cotton Bay Estates4

Underbudgeting the carrying costs

Two similar homes can cost very differently to own once the HOA, any CDD, insurance, and upkeep are priced in. Buyers who do not run the full monthly carrying cost misread the real number.

Cotton Bay Estates5

Skipping the systems check

An older home means older systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.

“

Cotton Bay Estates is no-HOA value with the intermediate school on the street. The honest read is the 1998 systems, the 5/10 high school, and the area flood history.

Jon Brooks · Founder, Momentum Realty
Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

7.7B+ · Buy Score
Resale Strength7.8/10
Renovation Risk7.0/10
Location Efficiency7.4/10
Long-Term Defensibility7.8/10
Carrying Cost Advantage8.4/10

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.

Momentum Housing Intelligence

Why our read on Cotton Bay Estates 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.
About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

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
  • Quarter-acre lots are similar; check what each backs to.
  • Weigh drainage and any area flood exposure.
  • Confirm the FEMA flood zone for the specific lot.

Cotton Bay Estates' lots are similar quarter-acre Navarre parcels, so the lot read covers what the home backs to, the drainage, and the FEMA flood zone for the specific West Navarre address, given the area's documented flooding history. On 1998 homes, the lot and the condition of the systems, not square footage alone, separate one home's value from the next.

The 15-Second Verdict

Cotton Bay Estates in 15 seconds.

Best forBuyers who want a no-HOA home steps from a 7/10 intermediate school in an A-rated district.
Strong onCarry and schools: no HOA, the intermediate school on the street, A-rated Santa Rosa schools, and Navarre Beach proximity.
Watch1998 homes on a systems cycle, a 5/10 zoned high school, the single-corridor US-98 commute, and area flood history.
Not forFamilies set on a strong high school, buyers wanting waterfront or HOA amenities, or daily NAS Pensacola commuters.
The edgeNo HOA with a 7/10 intermediate school on the street, in a softer market, rewards a buyer who inspects well.

HOA, CDD & Fees

15-Second Take
  • No HOA (confirmed); no CDD identified.
  • West Navarre Intermediate on Cotton Bay Lane.
  • A-rated Santa Rosa schools; 5/10 high school.
  • 1998 homes; budget roof and systems.
  • Verify the FEMA flood zone per lot.

There is no HOA (confirmed across listings) and no CDD identified, so recurring overhead is just taxes and insurance. Confirm any individual deed restrictions for the specific home. The real costs are the upkeep of a 1998 home, taxes, and Navarre-area insurance.

There are no HOA-funded services or amenities; this is a no-HOA neighborhood. Verify any deed restrictions per property.

There is no club or amenity package; the appeal is the no-HOA carry, the intermediate school on the street, and the Navarre location.

Run Your Numbers

Tools for a Cotton Bay Estates buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxSanta Rosa County millage and the homestead picture.Rent vs buyThe breakeven on owning in Cotton Bay Estates.Save Our HomesProject your homestead tax cap over time.
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.

Selling in Cotton Bay Estates

Selling in Cotton Bay Estates? Lead with the no-HOA carry and the school on the street.

Your home's edge is a no-HOA home with West Navarre Intermediate steps away in an A-rated district. Document updated systems and a clean flood posture, then price to recent in-neighborhood comps.

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 Cotton Bay Estates, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Cotton Bay Estates, 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 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.

See the full Cotton Bay Estates 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 Cotton Bay Estates 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.

Cotton Bay Estates Market Scorecard

Balanced

Cotton Bay Estates is currently a balanced. About 4.0 months of supply, a median asking price of $449,000.

4.0
Months supply
$449,000
Median list
$410,000
Median sold
$186
Per sqft
n/a
Days on mkt
1/0/3
Active/Pend/Sold

Typical home value in the 32566 ZIP is $417,975, about 15.5% 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

Does Cotton Bay Estates have an HOA or CDD?
No. Multiple listings confirm no HOA, and no CDD was identified, so recurring overhead is just taxes and insurance. Confirm any individual deed restrictions.
What schools serve Cotton Bay Estates?
It is in the A-rated Santa Rosa County School District, with West Navarre Intermediate (7/10) literally on Cotton Bay Lane, Holley-Navarre Middle (7/10), and Navarre High (5/10). Confirm the assignment by address.
How old are the homes in Cotton Bay Estates?
Most are single-story brick homes built primarily in 1998, so budget a thorough inspection of the roof, HVAC, and systems.
How much do homes in Cotton Bay Estates cost?
Pricing is wide, from a 2020 sale around $335,000 to a 2024 sale around $627,000 for a larger home (Trulia), tracking near the 32566 ZIP median around $390,000 to $410,000. Comp by individual home.
Is Cotton Bay Estates waterfront?
No. Despite the name, it is an interior West Navarre neighborhood, not waterfront; East Bay is a mile or two away.
Is Cotton Bay Estates in a flood zone?
Navarre saw documented area street flooding from Hurricane Sally (2020), and West Navarre has a mix of flood zones. Pull the FEMA flood zone and a bindable quote for the exact lot.
Is Cotton Bay Estates a good fit for military buyers?
Yes. Navarre is popular with military buyers, with Hurlburt Field 30 to 45 minutes east, NAS Whiting 30 to 40 north, and Eglin to the east; NAS Pensacola is a longer drive west.
Is Cotton Bay Estates gated?
No. It is an open, no-HOA neighborhood, not gated.
How is the commute from Cotton Bay Estates?
Navarre's US-98 retail is minutes away and Navarre Beach 10 to 15 minutes, but US-98 is the single west-east corridor and congests at peak; I-10 is about 20 to 25 minutes north.
What should I check before buying in Cotton Bay Estates?
Inspect the 1998 systems, pull the FEMA flood zone and insurance, confirm there is no HOA and any deed restrictions, verify the schools, and comp by individual home.
Is Cotton Bay Estates a good investment?
No HOA with the intermediate school on the street in an A-rated district supports demand, but 1998 systems, the 5/10 high school, and area flood exposure are factors. Inspect well and comp by home; this is not a guarantee of future value.
Should I use the listing agent to buy in Cotton Bay Estates?
No. The listing agent works for the seller. Having your own representation to read the comps, the costs, and the inspection is the highest-leverage decision you make.
The Verdict

Should you buy in Cotton Bay Estates?

An honest fit check. We will tell you when it is not your community.

You want a no-HOA home steps from a 7/10 intermediate schoolExcellent fit
You are a military buyers wanting Navarre proximity to Hurlburt, Whiting, and EglinExcellent fit
You want no HOA in an A-rated districtExcellent fit
You are set on a strong zoned high schoolProbably not
You want a waterfront or HOA-managed communityProbably not
You commute daily to NAS PensacolaProbably not

Get the inside read on Cotton Bay Estates

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Cotton Bay Estates 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.

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Cotton Bay Estates median home price history from 2012 to 2026 — chart by Momentum Realty
Median sale price in Cotton Bay Estates, 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.

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