Tom King Estates in Navarre

Tom King Estates

Established 1988 · Intracoastal West · ZIP 32224

An established Navarre acreage and bayou-front pocket, no HOA, with A-rated schools.

No HOA / no CDDAcreage & bayou-front lotsA-rated Navarre schools
Live Market Pulse
53/100
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.
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Unlock Off-Market Tom King 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
$448K
Median Price
0mo
Supply
58days
Avg DOM
Soft
Seller Leverage
$222/sf
Median $/Sqft
-6%
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Tom King Estates is an established, no-HOA acreage pocket in Navarre, built around Tom King Bayou off East Bay, where the value runs from attainable interior homes to seven-figure bayou-front estates. The appeal is land and freedom: larger lots, no HOA and no CDD, and an A-rated Santa Rosa County school district, about ten to fifteen minutes from Navarre Beach. The honest reads are wide price dispersion (comp by water status, not a community average), bayou and bay flood exposure on the waterfront lots, some homes on septic, and a longer NAS Pensacola commute. Buy it for the acreage, the no-HOA freedom, and the schools; confirm the flood zone and the septic, and comp a home to its own water class."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Tom King Estates market snapshot (as of June 11, 2026): the median sale price is about $448K ($222 per sq ft), a buyer-leaning market (limited data). Based on 6 recent closings in live Pensacola MLS data.

Tom King Estates is an established single-family pocket in Navarre, an unincorporated part of Santa Rosa County (32566), around Tom King Bayou Road off East Bay Boulevard, north of US-98.

The homes range from interior single-family houses on larger lots to custom bayou-front estates on the water, a mix of vintages with some newer custom builds. It is not a uniform subdivision but an established, land-oriented enclave; some homes are on septic rather than central sewer.

The carry is minimal: there is no HOA and no Community Development District, so recurring overhead is just taxes and insurance. Confirm any individual deed restrictions and the septic on a specific home.

The appeal is acreage and no-HOA freedom in a strong school zone. Navarre feeds the A-rated Santa Rosa County district, and Navarre Beach is about ten to fifteen minutes south. The trade-offs are wide price dispersion (waterfront versus interior), bayou and bay flood exposure on the water lots, septic on some homes, and a longer NAS Pensacola commute.

Best for

  • Buyers who want acreage and no-HOA freedom in an A-rated Navarre school zone
  • Waterfront buyers seeking a bayou-front lot with bay access
  • Buyers comfortable with septic and confirming flood exposure

Probably not for

  • Buyers who want a uniform, deed-restricted subdivision
  • Daily NAS Pensacola commuters (it is a long drive west)
  • Buyers unwilling to underwrite waterfront flood insurance on the water lots

How Tom King Estates is performing right now

53/100
momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
0Months of supplytight
66Median days on marketdays
1 : 0Under contract vs for salestrong demand
6Sold in last 12 monthsliquidity
+127%Median price since 2012appreciation
+0%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 Tom King 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 Tom King Estates buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Tom King Estates

Live MLS inventory for Tom King 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.

No homes are actively for sale in Tom King Estates right now, so its recent closed sales are shown, 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.

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.

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

Navarre Beach~12-15 min · ~6-8 miles south via SR-87
Hurlburt Field~20-25 min · east on US-98
I-10 (SR-87 interchange)~18-22 min · north via SR-87
Downtown Pensacola~35-40 min · west on US-98
Pensacola International Airport (PNS)~40-48 min · via SR-87 and I-10
NAS Pensacola~40-45 min · ~28-30 miles west

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 Tom King Estates with Momentum Realty’s local guides.

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Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
Tom King 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

Tom King 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 Tom King Estates address.

The takeaway

What is actually shaping value at Tom King Estates, sourced and dated. The acreage, the bayou-front lots, and the A-rated schools are the facts that matter.

Recent Developments in Tom King Estates

Our read on what is being built around Tom King 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 beach proximity, with scarce no-HOA acreage and waterfront supporting the high end. The recurring items are bayou flood exposure and a single-corridor US-98 commute.

No-HOA acreage with bayou-front lots

BullishScarce no-HOA acreage and Tom King Bayou waterfront in a strong school zone support a durable, if dispersed, value range. impact
SignificanceRadius: Community

No-HOA acreage with bayou-front lots

A-rated Santa Rosa County schools

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 schools

Bayou and bay flood exposure on water lots

BearishWaterfront lots on Tom King Bayou and near East Bay carry real flood exposure; the FEMA zone is parcel-specific. impact
SignificanceRadius: Waterfront

Bayou and bay flood exposure on water lots

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 Tom King 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. 2024-2025
    Schools

    Santa Rosa County rated an A district

    Santa Rosa County District Schools earned an A district rating for 2024-2025, reinforcing Navarre's appeal to families. Why it matters: A strong county district supports resale demand here; confirm the zoned schools for the specific address. Source

  2. June 2025
    Infrastructure

    Navarre access road study completed

    Santa Rosa County completed the study for a new east-west corridor north of US-98 in June 2025, intended to relieve single-corridor congestion that affects Navarre commutes. Why it matters: Long-range relief is planned but not built; factor current US-98 peak traffic into commute expectations. 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.

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

1

Comp by water status. Bayou-front estates and interior homes trade on very different ladders; compare a home to its own water class, not a community average.

2

Pull the FEMA flood zone for the lot. Waterfront lots carry real flood exposure; get the zone, base flood elevation, and a bindable quote for the exact home.

3

Confirm septic and no HOA. Verify whether the home is on septic, inspect it, and confirm there is no HOA or CDD and any individual deed restrictions.

4

Inspect the home and any dock or seawall. On a waterfront home, inspect the structure plus any pier, boathouse, or seawall.

5

Verify the zoned schools. Confirm the assigned schools by address with the district.

Best Buy
An interior acreage home or a sound bayou-front estate matched to its water class, with the flood and septic picture confirmed, in the A-rated school zone.
Biggest Risk
Blending waterfront and interior comps, or underpricing bayou flood insurance and septic on a water lot.
Best Lot
Bayou-frontage with bay access carries the premium; interior acreage trades lower; the lot is most of the value here.
Smart Timing
Scarce no-HOA acreage and waterfront draw steady demand; comp by water class and confirm flood exposure.
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

Tom King Estates is an established, no-HOA single-family pocket in Navarre (unincorporated Santa Rosa County, 32566), around Tom King Bayou Road off East Bay Boulevard. The homes range from interior houses on larger lots to custom bayou-front estates on the water, with some on septic; it is a land-oriented enclave rather than a uniform subdivision. There is no HOA and no CDD, keeping the carry minimal. The appeal is acreage and no-HOA freedom in the A-rated Santa Rosa County school district, about ten to fifteen minutes from Navarre Beach; trade-offs are wide price dispersion, bayou and bay flood exposure on the water lots, septic on some homes, and a longer NAS Pensacola commute. Schools are in the Santa Rosa County School District; confirm assignments by address.

The takeaway

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

Entry: interior single-family homes
$303K to $410K

The lower end is interior homes on larger lots, with activity reported from around $350,000 (Zillow / Redfin, 2024-2026). The no-HOA freedom and acreage are the draw.

Lowest entry
Mid: larger interior and near-water homes
$410K to $515K

The core is larger interior and near-water homes, commonly in the $400,000s to $600,000s (Zillow / Redfin, 2024-2026). Lot size and water proximity drive the spread.

Most inventory
High: bayou-front estates
$515K to $530K

The top is the custom bayou-front estates on Tom King Bayou with bay access, reaching past $900,000 and toward seven figures (Zillow / Redfin, 2024-2026). The waterfront and dock, not square footage, drive these; comp them separately.

Strongest resale

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

$303K to $410K
Entry: interior single-family homes
The lower end is interior homes on larger lots, with activity reported from around $350,000 (Zillow / Redfin, 2024-2026). The no-HOA freedom and acreage are the draw.
$410K to $515K
Mid: larger interior and near-water homes
The core is larger interior and near-water homes, commonly in the $400,000s to $600,000s (Zillow / Redfin, 2024-2026). Lot size and water proximity drive the spread.
$515K to $530K
High: bayou-front estates
The top is the custom bayou-front estates on Tom King Bayou with bay access, reaching past $900,000 and toward seven figures (Zillow / Redfin, 2024-2026). The waterfront and dock, not square footage, drive these; comp them separately.

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

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
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.

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 Tom King 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.

Tom King Estates runs from attainable acreage to seven-figure bayou-front. The honest read is comping by water class and pricing the flood and septic, not a community average.

Jon Brooks · Founder, Momentum Realty
7.8B+ · Buy Score
Resale Strength7.8/10
Renovation Risk7.4/10
Location Efficiency7.6/10
Long-Term Defensibility8.0/10
Carrying Cost Advantage8.0/10

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.

Why our read on Tom King 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.

Which Lots & Views Hold Value Best

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
GolfLake / 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
  • Bayou-frontage with bay access carries the premium.
  • Interior acreage trades lower; the lot is most of the value.
  • Confirm the FEMA flood zone and any septic field per lot.

In Tom King Estates the lot is most of the value, running from interior acreage to bayou-front with bay access. The lot read covers the exact water status, any dock or seawall, the septic field, and the FEMA flood zone and base flood elevation for the specific address. The waterfront and acreage cannot be reproduced, so comp a home only against its own water class.

Tom King Estates in 15 seconds.

Best forBuyers who want acreage and no-HOA freedom in an A-rated Navarre school zone, or a bayou-front estate.
Strong onLand and schools: larger no-HOA lots, scarce bayou waterfront, A-rated schools, and proximity to Navarre Beach.
WatchWide price dispersion, bayou and bay flood exposure on water lots, septic on some homes, and a long NAS commute.
Not forBuyers wanting a uniform deed-restricted subdivision, daily NAS commuters, or those avoiding waterfront insurance.
The edgeScarce no-HOA acreage and bayou waterfront in a strong school zone reward a buyer who comps by water class.

HOA, CDD & Fees

15-Second Take
  • No HOA and no CDD.
  • Some homes are on septic; inspect it.
  • Bayou-front lots carry the premium and the flood exposure.
  • A-rated Santa Rosa schools.
  • Comp by water class, not a community average.

There is no HOA and no CDD for Tom King Estates, so recurring overhead is just taxes and insurance. Confirm any individual deed restrictions and whether the home is on septic. The real costs here are waterfront flood and wind insurance on the water lots and the upkeep of an older or custom home.

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

There is no club or amenity package; the appeal is the acreage, the no-HOA freedom, and the bayou and bay access.

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.

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 Tom King Estates, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Tom King 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 Tom King Estates home worth?

Get a no-obligation home value based on real comparable sales in Tom King 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 Tom King 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 Tom King 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.

Tom King Estates Market Scorecard

No active listings

Tom King Estates is currently a no active listings. Limited supply, a median asking price of n/a.

n/a
Months supply
n/a
Median list
$447,950
Median sold
n/a
Per sqft
n/a
Days on mkt
0/1/6
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 Tom King Estates have an HOA or CDD?
No. Tom King Estates has no HOA and no CDD, so recurring overhead is just taxes and insurance. Confirm any individual deed restrictions on the specific property.
Is Tom King Estates waterfront?
Partly. Some homes are bayou-front estates on Tom King Bayou with bay access, while others are interior acreage homes. The waterfront commands a large premium; confirm a specific home's exact water status.
Are homes in Tom King Estates on septic?
Some are. Confirm whether the specific home is on septic or central sewer, inspect the septic, and budget for maintenance.
How much do homes in Tom King Estates cost?
Pricing is wide: interior homes from around $350,000 and bayou-front estates past $900,000 toward seven figures (Zillow / Redfin, 2024-2026). Comp by water class and confirm current pricing.
What schools serve Tom King Estates?
It is in the A-rated Santa Rosa County School District, typically Holley-Navarre or West Navarre schools and Navarre High. Confirm the assignment by address with the district.
Will I need flood insurance in Tom King Estates?
On the waterfront lots, likely yes and it can be significant; interior lots may be lower-risk. Pull the FEMA flood zone, base flood elevation, and a bindable quote for the exact home.
How far is Tom King Estates from the beach?
Navarre Beach is about twelve to fifteen minutes south via SR-87, with Hurlburt Field roughly twenty to twenty-five minutes east.
Is Tom King Estates a good fit for NAS Pensacola families?
Less so for daily NAS Pensacola commuters, since the base is about 28 to 30 miles west. It fits better for Hurlburt Field, Navarre, and remote-work buyers.
Is Tom King Estates gated?
No. It is an open, no-HOA, land-oriented enclave, not gated.
What should I check before buying in Tom King Estates?
Comp by water class, pull the FEMA flood zone and insurance, confirm septic and that there is no HOA or CDD, inspect the home and any dock or seawall, and verify the school zoning.
Is Tom King Estates a good investment?
Scarce no-HOA acreage and bayou waterfront in an A-rated school zone support durable demand, but wide price dispersion, waterfront flood insurance, and a long NAS commute are factors. Comp by water class; this is not a guarantee of future value.
Should I use the listing agent to buy in Tom King Estates?
No. The listing agent works for the seller. On a waterfront or acreage home where water status and flood exposure swing value, having your own representation is the highest-leverage decision you make.
You want acreage and no-HOA freedom in an A-rated Navarre school zoneExcellent fit
You want a bayou-front lot with bay accessExcellent fit
You are comfortable with septic and confirming flood exposureExcellent fit
You want a uniform, deed-restricted subdivisionProbably not
You commute daily to NAS PensacolaProbably not
You will not underwrite waterfront flood insurance on the water lotsProbably not

Get the inside read on Tom King Estates

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

We respond personally, usually the same day.

You are all set.

A Momentum Realty Tom King Estates specialist will reach out personally, usually the same day.

Tom King Estates median home price history from 2012 to 2026 — chart by Momentum Realty
Median sale price in Tom King 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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