Mossy Cove
Homes for Sale in Navarre, FL
True comps, carrying-cost math, and listings before the portals.
Price in Mossy Cove is driven by the house, not the address. These are homes built between 1981 and 2009, with the median around 1995, and at a median of roughly 2,702 square feet there is real room here. Condition and updates will set the number: a renovated interior and a maintained roof and systems will separate one closing from the next far more than any list price signal, because the median year built means most homes have had time to age into either careful upkeep or deferred work.
The market read is genuinely balanced — about 6 months of supply with a single active listing right now. That thinness cuts both ways. A seller has little visible competition, but with only two closings in the recent window, pricing has to lean on the home's own condition rather than a deep comp set. A buyer should not expect a bidding war, but should expect to move deliberately when the right house appears, since inventory can go from one to zero quickly.
Mossy Cove right now
🟡 Balanced market. 6.0 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, 2 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 Mossy Cove. Swipe to explore the community.
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Mossy CovePhotos from Pensacola MLS listings in Mossy Cove; content deemed reliable but not guaranteed.
Who Mossy Cove is best for.
Best for
- Buyers seeking a larger, established home who plan to stay put for years
- Owner-occupants who value a low-turnover, homestead-heavy street
- Buyers willing to weigh condition and updates carefully rather than chase a list price
Probably not for
- Buyers who need built-in amenities like a pool, gate, or clubhouse
- Anyone wanting new construction or a maintenance-free newer build
- Investors chasing quick volume or a deep set of recent comps to model against
The market around Mossy Cove
Mossy Cove is a small community — 27 recorded sales on file, most recently in 2025 — too few for its own price trend. 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 Mossy Cove specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Mossy Cove, 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 Mossy Cove
Live MLS inventory for Mossy Cove. 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 Mossy Cove 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.
Mossy Cove 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
- Navarre · High
Zoned schools reflect the assignments reported on recent Mossy Cove 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 Mossy Cove address.
The Mossy Cove buying strategy.
If we were buying in Mossy Cove 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 Mossy Cove.
A small, settled enclave
With 37 homes and a homestead share just above 62 percent, Mossy Cove reads as a place people stay. That stability is the story: turnover is low, which is why only a couple of homes have closed in the recent window and why a single listing can represent the entire active market at any given moment.
There are no community amenities identified from current MLS listings, so buy this neighborhood for the homes and the location, not for a pool or gate. The generous median footprint of about 2,702 square feet and the older, varied build years mean the meaningful differences between properties are lot, layout, and how well each home has been kept.
The location and the amenities are priced into every listing in Mossy Cove. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a 37-home community with one active listing and a thin recent trade history, generic pricing tools fall apart — there simply is not enough volume to lean on. We price and evaluate Mossy Cove home by home, weighing condition, systems age, and lot against the limited comps that exist, so buyers and sellers act on the specifics rather than a broad market guess.
Mossy Cove 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 Mossy Cove 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 Mossy Cove sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Mossy Cove, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Mossy Cove home worth?
Get a no-obligation home value based on real comparable sales in Mossy Cove, 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 Mossy Cove 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.
Mossy Cove Market Scorecard
Mossy Cove is currently a buyer-leaning market (limited data). About 6.0 months of supply, a median asking price of $630,000, and homes go under contract in about 517 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 Mossy Cove a buyer's or seller's market right now?
How many homes are in Mossy Cove?
What share of Mossy Cove is owner-occupied?
When were the homes in Mossy Cove built?
Who is the best real estate agent for Mossy Cove?
How do I find a top Navarre real estate agent who knows Mossy Cove?
Can Momentum Realty connect me with an agent for Mossy Cove?
Should you buy in Mossy Cove?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Mossy Cove 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 |
| Historical depth | Closed-sale records back to 2005 (26 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.
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 Mossy Cove fits the bigger picture — live prices, inventory, and Momentum Scores: