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 Navarre
Cotton Bay Estates Navarre
Cotton Bay Estates Navarre
Cotton Bay Estates NavarrePhotos from Pensacola MLS listings in Cotton Bay Estates Navarre; content deemed reliable but not guaranteed.
Who 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
The market around Cotton Bay Estates Navarre
Cotton Bay Estates Navarre is too small for its own price trend, so 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 Cotton Bay Estates Navarre specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Cotton Bay Estates Navarre, Navarre
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.
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.
Schools
- Santa Rosa County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- West Navarre · Elementary
- WOODLAWN BEACH · Middle
- Soundside High School · High
Zoned schools reflect the assignments reported on recent Cotton Bay Estates Navarre 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 Cotton Bay Estates Navarre address.
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 Navarre on the map →
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.
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 $420,000, and homes go under contract in about 56 days.
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
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.
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.
Looking to buy here? Search homes for sale →
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More Navarre & Pensacola, Escambia & Santa Rosa guides
Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of Pensacola, Escambia & Santa Rosa or the full Neighborhood Finder.
See how Cotton Bay Estates Navarre fits the bigger picture — live prices, inventory, and Momentum Scores: