Palmetto Ridge
Homes for Sale in Gulf Breeze, FL
All 218 homes for sale in Gulf Breeze, FL · median $487,450 · 159 homes for sale in 32563 · Santa Rosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of Coldwell Banker Realty · via Pensacola MLS
As of September 2026, Palmetto Ridge in Gulf Breeze, FL has 2 homes for sale. Over the 12 months ending 2026-09-20, 5 recorded sales closed at a median of $340,000, $205 per square foot, a median 6 days on market, sellers accepting 98% of original asking. Homes listed or recently sold were built 1994–2022; 7 of 7 report an HOA (median $47/mo); none of the 7 geocoded homes sit in a FEMA special flood hazard zone (median elevation 35 ft). At the median price and Santa Rosa County's FY2025-26 rate of 12.81 mills, annual property tax runs about $4,350 ($3,850 with the full homestead exemption).
| Location | Gulf Breeze, Santa Rosa County, FL · ZIP 32563, 32566 |
|---|---|
| Homes in the community | 123 (FL DOR 2025 assessment roll) |
| Years built | 1990–2019 (median 1999) |
| Typical living area | 2,023 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Community Room, Fitness Center, Pool, Tennis Court(s), Dock, Pavilion/Gazebo |
| Sale prices, last 12 months | $340,000 median across 5 closed sales · $205 per sq ft |
| Days on market (closed sales) | 6 median |
| For sale right now | 2 active, 1 pending · median asking $389,450 · 4.8 months of supply |
| Owner-occupied (homestead) share | 71% |
Data as of September 20, 2026. 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; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Palmetto Ridge key facts,” movewithmomentum.com/neighborhoods/palmetto-ridge, data as of September 20, 2026.
Palmetto Ridge right now
🟡 Balanced market. 4.8 months of supply and 33% 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 September 20, 2026. Confidence: Medium (3 active and pending listings, 5 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 22, 2026 · Live data: Pensacola MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Palmetto Ridge market snapshot (as of September 20, 2026): the median sale price is about $340K ($205 per sq ft over the trailing 12 months of closed sales), a median 6 days on market for closed sales, and 4.8 months of supply, a balanced market.
In ZIP 32563 (Gulf Breeze), 435 homes closed in the last 12 months at a median of $420K ($230/sq ft), up 1.8% year over year, with a median 45 days on market. Right now 81 active and 40 pending listings put supply at about 3.2 months — a healthy market. See the live ZIP 32563 housing market and the Santa Rosa County market.
County records show 10 qualified sales in Palmetto Ridge across 2024–2025 (7 in 2024, 3 in 2025), median $377,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Palmetto Ridge is a community of 123 homes in Gulf Breeze, Santa Rosa County, built between 1990 and 2019 (median 1999), with a median living area of about 2,023 square feet. 71% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Palmetto Ridge. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Palmetto Ridge
Palmetto Ridge
Palmetto Ridge
Palmetto Ridge
Palmetto Ridge
Palmetto RidgePhotos from Pensacola MLS listings in Palmetto Ridge; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Pensacola MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($340K) IS the median in the snapshot above.
Windows contain 0 to 9 sales each (5 in the current window); every figure carries its sample size, and thin markets swing on single closings. 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.
38% of homes for sale in ZIP 32563 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 (2026-09-22).
Palmetto Ridge Market Scorecard
Palmetto Ridge is currently a buyer-leaning market (limited data). About 6.0 months of supply, a median asking price of $389,450, and homes go under contract in about 60.5 days.
Typical home value in the 32566 ZIP is $421,657, about 15.0% 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.
Housing distress & ownership in Palmetto Ridge, Gulf Breeze
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 Palmetto Ridge
Live MLS inventory for Palmetto 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 Palmetto Ridge listings as of 2026-09-21, 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.
Every Home for Sale in Palmetto Ridge Right Now (3)
All 3 active and pending Palmetto Ridge listings with a detail page, newest first, refreshed twice a day from the MLS.
- 2475 Houston Cir · $425,000 · 4 bd / 2 ba · pending · listed Aug 21, 2026 · listed by Levin Rinke Realty
- 2478 Houston Cir · $419,900 · 3 bd / 2 ba · listed Jul 13, 2026 · listed by Kuhn Realty
- 6435 Garden Dr · $359,000 · 3 bd / 2 ba · listed Jul 10, 2026 · listed by Keller Williams Realty Emerald Coast West Branch
Palmetto Ridge 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 Palmetto Ridge 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 Palmetto Ridge address.
Shop the zone: Homes zoned for Navarre High School
The Palmetto Ridge buying strategy.
If we were buying in Palmetto Ridge 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 Palmetto Ridge.
A closer look at the Palmetto Ridge market
At a median of $205 per square foot, Palmetto Ridge prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 4.8 months of supply, a balanced market. Homes that do trade take a median 6 days on market, useful leverage on any listing that has lingered.
The housing stock is 123 homes built between 1990 and 2019, and 71% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Palmetto Ridge. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Palmetto Ridge buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (6.9). Basis: Liquidity & Demand 4.8 months of supply; Owner Commitment 71% owner-occupied; Pricing Power 97.5% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA dues reported around $47/month (about $564/yr) · median of 39 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $47 per month ($564 a year) — the median AssociationFee across 39 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
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 Palmetto Ridge 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 Palmetto Ridge sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Palmetto Ridge, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Palmetto Ridge home worth?
Get a no-obligation home value based on real comparable sales in Palmetto Ridge, 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 all homes for sale in Gulf Breeze →
Frequently Asked Questions
What is the median home price in Palmetto Ridge?
How long do homes in Palmetto Ridge take to sell?
Is Palmetto Ridge a buyer's or seller's market right now?
How many homes are in Palmetto Ridge?
What share of Palmetto Ridge is owner-occupied?
When were the homes in Palmetto Ridge built?
Who is the best real estate agent for Palmetto Ridge?
How do I find a top Gulf Breeze real estate agent who knows Palmetto Ridge?
Can Momentum Realty connect me with an agent for Palmetto Ridge?
Where is Palmetto Ridge, and what county is it in?
Is Palmetto Ridge a good place to live?
Data sources & freshness
| Live listings | Pensacola MLS, refreshed twice daily (last: September 21, 2026) |
| Community market stats | Pensacola MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (4 streets, ZIP 32563/32566)) |
| Under-contract shares | Pensacola MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2005 (74 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 local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Palmetto Ridge fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Palmetto Ridge with Momentum Realty’s local guides.