Country Breeze Estates, Navarre FL - Real Estate & Market Data
Quick Facts
| Feature | Details |
|---|---|
| Year Developed | 1990s |
| Homes Built | 1990s - 2012 |
| Observed Price Range | $380,000 - $450,000+ |
| Typical Home Size | 1,400-2,900+ sq ft |
| Lot Size | 0.5+ acres (larger than most subdivisions) |
| Waterfront | East Bay (some homes) |
| HOA | No HOA fees |
| Flood Zone | Many homes in Flood Zone X (no flood insurance required) |
| Distance to Hurlburt Field | Approximately 17 miles |
| Distance to Eglin AFB | Approximately 23 miles |
| School District | Santa Rosa County ("A" rated, 2024-25) |
Sources: Multiple MLS listings, Realty (2025)
What is the price range for homes in Country Breeze Estates?
$380,000 to $450,000+ based on current listings (February 2025).
Pricing depends heavily on proximity to East Bay. Interior lots with no water view typically range $380,000-$420,000, while direct waterfront properties with deep-water access command premium prices of $450,000+.
Market Overview
Country Breeze Estates is a bay-front community developed in the 1990s, located off East Bay Boulevard (Highway 399) and Sleepy Bay Boulevard in Navarre. The subdivision offers a unique combination: no HOA fees, larger-than-average lots, and some homes backing directly to East Bay.
Location Access: East Bay Boulevard (Hwy 399) stretches from Highway 87 to Highway 98/30, providing convenient access to:
Navarre Beach
Gulf Breeze
Pensacola
Fort Walton Beach/Destin
Development Timeline:
Original development: 1990s
Continued construction: Through 2012
Vacant lots still available for custom builds
What Makes Country Breeze Estates Unique:
NO HOA FEES - rare for Navarre subdivisions
Minimum 0.5-acre lots (larger than typical subdivisions)
Mature trees and natural areas
Flood Zone X designation for many homes (no flood insurance required)
Mix of waterfront and non-waterfront properties
Quiet, established neighborhood
Typical Home Specifications
Size Range: 1,400 - 2,900+ square feet (custom homes may be larger)
Bedrooms: Typically 3-4 bedrooms
Bathrooms: 2-3 bathrooms
Lot Size: 0.5 acres minimum, waterfront lots up to 1.8-5 acres
Architectural Styles:
Ranch-style homes (single-story)
Contemporary designs
Custom-built homes
Construction:
Brick exterior
Stucco exterior
Brick and stucco combinations
Standard Features:
Vaulted ceilings
Open floor plans
Split-bedroom layouts
Large kitchens with pantries
Garden tubs
Walk-in closets
Common Upgrades:
Private pools
Fenced yards
Screened porches
Formal dining rooms
Home offices
Waterfront Properties Include:
Deep-water docks
Boat lifts
Boathouses
Direct East Bay access
Private piers
1.5-5 acre lots
Why No HOA is Important
Cost Savings:
No annual HOA dues (typical Navarre HOAs: $300-$600+/year)
Lower monthly housing costs
More flexibility with BAH budgets for military families
Freedom & Flexibility:
No architectural restrictions
Park boats/RVs at your property (check county regulations)
Customize landscaping and exterior without approval
No community rules on paint colors, fencing, etc.
Trade-off:
No community pool/clubhouse/amenities
Residents maintain their own properties
No organized community events
Best For: Buyers who value property freedom and cost savings over shared amenities.
Location & Access
Primary Access Streets:
East Bay Boulevard (Highway 399)
Sleepy Bay Boulevard
Country Bay Boulevard
Country Breeze Boulevard
Waterfront Streets: Homes on Sleepy Bay Boulevard back directly to East Bay
Nearby Features:
Hidden Creek Golf Course: Less than 2 miles
Publix: 4 miles
Navarre Beach: 6 miles
US-98 (main corridor): 2 miles
East Bay Waterfront Access
East Bay Characteristics:
Protected bay waters (calmer than Gulf or Sound)
Access to Pensacola Bay
Connection to Santa Rosa Sound
Connection to Gulf of Mexico via Pensacola Pass
Water Activities:
Boating (deep-water access for waterfront properties)
Fishing
Kayaking
Swimming
Crabbing
Waterfront Lot Availability: Buildable waterfront lots occasionally available, ranging from 1.66 to 1.8+ acres.
Schools (Same Cluster as Holley by the Sea)
| School | Grades | Distance | Performance |
|---|---|---|---|
| Holley-Navarre Primary | PK-2 | ~3 miles | Student-teacher ratio: 13:1 |
| Holley-Navarre Intermediate | 3-5 | ~3 miles | Above-average proficiency |
| Holley-Navarre Middle | 6-8 | ~3 miles | Top 25% in Florida | 97% proficient Algebra 1 |
| Navarre High School | 9-12 | ~4 miles | Top 21% in Florida | 89.7% graduation rate |
Source: Santa Rosa County School District (2024-25)
District Performance: Santa Rosa County Schools earned "A" rating for 2024-25 school year (4th consecutive year).
Military Family Considerations
Commute Times
To Hurlburt Field: Approximately 17 miles via East Bay Blvd → US-98 West
To Eglin AFB: Approximately 23 miles via East Bay Blvd → US-98 East
Traffic Note: Less traffic than US-98 corridor homes. Highway 399 offers alternative route.
BAH Compatibility (Eglin AFB MHA, 2025)
| Rank | Monthly BAH (w/ dependents) | Fit for $400K Home? |
|---|---|---|
| E-5 | $2,649 | Requires 15-20% down |
| E-6 | $2,667 | Requires 15-20% down |
| E-7 | $2,793 | Good with 10% down |
| O-3 | $2,955 | Comfortable fit |
| O-4+ | $3,138+ | Excellent fit |
Note: No HOA fees help with affordability. Based on 28% DTI ratio. Source: DoD BAH Calculator, 2025
VA Loan Advantages in Country Breeze Estates
Flood Zone X Benefits:
No flood insurance required for many homes
Lower closing costs
Easier VA loan approval
More affordable monthly payments
Large Lot Appeal:
Spacious yards for families
Room for pets
Privacy
Resale value for future PCS moves
Why Choose Country Breeze Estates?
Best For:
Budget-Conscious Military Families - No HOA fees stretch BAH further
Families with Pets - Large fenced yards, no HOA restrictions
Boat Owners - Waterfront access, no HOA boat/trailer restrictions
Privacy Seekers - 0.5+ acre lots, mature trees
DIY/Customization Enthusiasts - Freedom to modify property without HOA approval
50+ Downsizers - Single-story ranch homes available, low maintenance costs
Country Breeze Estates vs. Other Navarre Communities
Advantages:
NO HOA FEES (saves $300-$600+/year)
Larger lots than most subdivisions
Many homes in Flood Zone X (no flood insurance)
Property freedom (boats, RVs, customization)
East Bay waterfront options
Trade-offs:
No community pool/clubhouse/tennis
No organized social activities
Homes are 15-30+ years old (not new construction)
Smaller inventory than Holley by the Sea
Common Questions
Q: Are there HOA fees in Country Breeze Estates?
A: No. Country Breeze Estates has no HOA and no HOA fees, which is rare for Navarre subdivisions.
Q: Can I park my boat or RV at my property?
A: Without HOA restrictions, you have more flexibility. Check Santa Rosa County regulations for specific setback and parking requirements.
Q: What does Flood Zone X mean?
A: Flood Zone X indicates minimal flood risk. Flood insurance is not required for mortgages in Zone X, saving hundreds to thousands of dollars annually.
Q: Are waterfront lots still available?
A: Occasionally. Buildable waterfront lots on East Bay appear on the market periodically, ranging from 1.66 to 1.8+ acres.
Q: How does Country Breeze Estates compare to Holley by the Sea?
A: Country Breeze Estates has no HOA (vs. Holley by the Sea's annual dues), larger lots (0.5+ acres vs. 0.46 acres typical), and more privacy. Holley by the Sea offers extensive amenities (pools, tennis, golf, recreation center). Country Breeze Estates appeals to buyers who value property freedom; Holley by the Sea appeals to those wanting community amenities.
Q: Are single-story homes available?
A: Yes. Many homes in Country Breeze Estates are ranch-style (single-story), ranging from 1,400-2,400 sq ft.
Q: What is the school quality?
A: Country Breeze Estates feeds into the Holley-Navarre school cluster, which includes Navarre High School (top 21% in Florida) and Holley-Navarre Middle (top 25% in Florida). Santa Rosa County Schools earned an "A" district rating for 2024-25.
Nearby Amenities
Recreation:
Hidden Creek Golf Course: Less than 2 miles
Navarre Beach: 6 miles
Gulf Islands National Seashore: 8 miles
East Bay (waterfront access): On-site
Shopping & Dining:
Publix: 4 miles
Navarre Parkway corridor: Multiple restaurants, retail
Walmart: 6 miles
Medical:
HCA Florida Twin Cities Hospital (Niceville): ~26 miles
HCA Florida Fort Walton-Destin Hospital: ~22 miles
Page Last Updated: February 2025
Data Sources: Multiple MLS listings, Gibbons Realty, Santa Rosa County Schools
