Navarre, Santa Rosa County
Sell your Navarre house or Navarre Beach condo as is for cash, on terms, or with a 1% listing. We put all three side by side, in writing, so you see what you walk away with.
About a minute. 4 short steps. Close in 7 to 90 days, on your date. Hablamos español
Florida LLC, Sunbiz L24000335041 · A licensed title company closes every sale
Call (305) 914-4191Navarre sits on Santa Rosa Sound, about 25 miles east of Pensacola and 15 miles west of Fort Walton Beach. It is still unincorporated, so Santa Rosa County handles the taxes, records and permits that come up in a sale. Homes run from Gulf-front condos on Santa Rosa Island to newer houses in Holley by the Sea. Sellers we hear from often have military orders, a condo facing new association costs, or a vacation rental they are done managing.
How we help in Navarre
HOMKEYS works with Navarre sellers in more than one way. We can buy as is for cash, take over your existing mortgage payments, buy on seller financing terms where you set the price, down payment, rate and term, or list it on the MLS for a 1% listing fee through our licensed partner brokerage. We see every house before we make an offer, in person or by video call if you have already moved. Closing can be 7 to 90 days out, on your date, at a licensed Florida title company.
The Navarre market is steady right now. Redfin counted 260 sales in the three months ending June 2026, up 10.7% from a year earlier. The typical home took 57 days to go under contract, about the same as last year, and sold for about 98.9% of its list price. A clean, insurable house can do well with a listing. A condo facing an assessment, an older roof, or a rental booked into next season is a different story, and a direct or terms sale is worth comparing first.
From our files
Our work in this part of the Panhandle is not theory. In Pace, also in Santa Rosa County, we bought a house for cash. Across the bay in Pensacola, we have a deal of our own. And when a Navarre Beach owner calls about a condo, we are not learning the building type from scratch: we know Navarre Beach condos firsthand.
Real HOMKEYS work in Santa Rosa and Escambia counties. Names, addresses and prices left out to protect sellers’ privacy.
Local knowledge
The mainland Navarre census area had 40,817 people at the 2020 census. Navarre Beach, counted separately across the bridge on Santa Rosa Island, had 1,123. Ownership works differently on the island. The federal government transferred Santa Rosa Island to Escambia County in 1947, and Escambia leased the Navarre Beach area to Santa Rosa County in 1956. In 2015 the county counted 2,013 residential leases on Navarre Beach, and after years of lawsuits, leaseholders there pay property taxes on top of their lease fees. Get your lease documents to the title company early.
Source 1 · Source 2 · Source 3After the 2021 Champlain Towers South collapse in Surfside, Florida passed SB 4-D in 2022. Condo buildings three or more stories tall now need a milestone structural inspection by the end of the year they turn 30, local officials can require it as early as 25 years where conditions like salt water call for it, and it repeats every 10 years. Associations also need a structural integrity reserve study, and owners generally can no longer vote to waive those reserves. A 2025 law moved the study deadline to December 31, 2025 and allows a two-year pause in reserve funding right after a milestone inspection. For Gulf-front owners that can mean higher dues or a special assessment.
Source 1 · Source 2 · Source 3 · Source 4 · Source 5Navarre has taken direct hits. Hurricane Erin in August 1995 pushed a 6 to 7 foot surge into Navarre Beach. Two months later Opal brought a 12-foot surge that destroyed or badly damaged 98 of the 108 Gulf-front buildings there at the time. Ivan in 2004 drove storm tides above 10 feet along the beach, and Dennis came ashore as a Category 3 near Navarre Beach on July 10, 2005, with a 121 mph gust measured there. Sally in 2020 left 31 major structures on Navarre Beach with major structural damage, 29 of them single-family homes.
Source 1 · Source 2 · Source 3First Street data on Redfin puts 13% of Navarre properties at risk of severe flooding over the next 30 years, but 100% at extreme risk of a severe wind event. Roof age and wind matter to every insurer here. In high-risk zones A and V, flood insurance is mandatory for a buyer with a government-backed mortgage, which raises their monthly cost. After Sally, FEMA reported about 1,272 flood insurance claims and an estimated $26.5 million paid in Santa Rosa County. Since October 1, 2025, Florida sellers must disclose flood claims, flood repair assistance and known flooding during their ownership, at or before signing the contract.
Source 1 · Source 2 · Source 3 · Source 4Navarre is surrounded by military neighbors: Hurlburt Field and Eglin Air Force Base to the east, NAS Whiting Field to the north and NAS Pensacola to the west. Hurlburt is about 14 miles away. Census estimates count about 7,176 veterans living in Navarre. When orders come, the military sets the timeline, not the market. If you have a low-rate loan or must close before your report date, compare all three options in writing first. If you are deployed, Santa Rosa County also offers a Deployed Service Member exemption, with the 2027 filing window running January 1 to June 1.
Source 1 · Source 2 · Source 3 · Source 4If your Navarre Beach condo or Sound-side home works as a short-term rental, the sale has extra steps. Santa Rosa County charges a 5% tourist development tax on stays of 6 months or less, collected by the Clerk of Court, and owners must register each rental and file by the 20th of the following month. Renting a whole unit more than three times a year for stays under 30 days also calls for a state vacation rental license from the DBPR. When you sell, future bookings, deposits, furniture and the tax account all need a plan in writing. Tell us what is booked and we will plan the closing around it.
Source 1 · Source 2 · Source 3Three ways to sell
Subject to qualification, property inspection, and transaction terms. HOMKEYS does not give legal or tax advice. Talk with a Florida attorney or tax professional about your situation. Compare all three in detail on our selling options page, or read how a subject-to sale, a cash sale and a 1% listing work.
Santa Rosa County details
Navarre has no city government, so these Santa Rosa County offices handle what comes up when a house sells here. Confirm anything time-sensitive with the office listed. See the full Santa Rosa County guide for closing customs.
Estimate
A quick, rough comparison. Put in your own numbers. Nothing is sent anywhere.
Illustration only, not an offer or an appraisal. Real numbers depend on the property, title, loan terms, any condo assessments and the market. Subject to qualification, property inspection, and transaction terms.
Where we work
From the Gulf-front condos on Navarre Beach to the Sound-side streets off Navarre Parkway, and north along Highway 87 toward the East Bay and Yellow rivers, we review homes all over Navarre.
ZIP code: 32566. Also nearby: Pace, Gulf Breeze, Milton, Pensacola. Santa Rosa County guide → All Florida areas →
Real closings
Each one closed at a licensed Florida title company. We show the city and month only, never the address, to protect the seller's privacy.
28 closings in 23 Florida cities and 17 counties since September 2024. See them on the map.
Short reads on the questions we hear most from owners here.
Questions
Navarre is an unincorporated community in Santa Rosa County, not a city. An October 2024 straw poll on incorporating did not reach 50% approval. So your tax bill, property record and deed all run through Santa Rosa County offices, and the title company coordinates them at closing.
Yes. Florida law requires sellers to give buyers the summary of the building’s milestone inspection, and buyers will ask about reserves and any planned assessment. A pending assessment usually affects price and who pays it, which gets settled in the contract. We know Navarre Beach condos firsthand and can look at yours as is. Subject to qualification, property inspection, and transaction terms.
Yes. Navarre Beach property is generally held under a lease that traces back to Escambia County, rather than owned outright, and these leaseholds do change hands. The title company will want your lease documents early, along with proof that lease fees and property taxes are current. Ask a Florida real estate attorney if your lease has unusual terms.
We can close 7 to 90 days out, on the date you choose, through a licensed Florida title company. If you have already left, we can see the house by Zoom or video call instead of in person.
Redfin reported a median of 57 days on the market in June 2026, about the same as a year earlier, and a median sale price of $434,713, up 3.5%. That is the time to get an offer accepted. Closing takes longer.
Yes. Since October 1, 2025, Florida sellers of residential property must disclose any flood insurance claims, any assistance received to repair flood damage, and known flooding that damaged the home while they owned it, at or before signing the contract. Disclose honestly even if you never filed a claim, and ask a real estate attorney if you are unsure.
It is negotiable, but customs help. Florida charges documentary stamp tax on the deed at 70 cents per $100 of price, which sellers typically pay. In Santa Rosa County the buyer customarily pays for the owner’s title insurance policy. On a HOMKEYS cash sale, we pay the closing costs.
Nothing. Asking for a review does not commit you to sell, and you can take your time comparing our options with listing or any other offer.
It can be, if your payment and balance fit. The buyer takes over making payments, but the loan stays in your name, and the lender can call it due under the due-on-sale clause. Both sides should use a real estate attorney, and closing goes through a licensed title company. Subject to qualification, property inspection, and transaction terms.
More help
Talking to other buyers too? Read how to spot a bad home buyer in Florida before you sign anything.
Ready to compare your three options? Start with the address.
About a minute. 4 short steps.
A real Florida team reviews every house, and Dor oversees every offer and closing. We explain every number before you decide anything.
Tell us about the house or condo. We will come back with your options in writing.
HOMKEYS LLC is committed to the letter and spirit of U.S. fair housing laws. We do business without regard to race, color, religion, sex, handicap, familial status or national origin. Market figures are third-party estimates as of the dates shown.
