8540 Bay River Rd, photo 1
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Overview

0 baLand
TypeLand
HOANone listed
Lot43,680 sqft

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About this home

8540 Bay River Rd is a home in East Bay River Estates, Navarre. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Discover this 1-acre residential property in the Navarre area of Santa Rosa County, Florida. Featuring flat, wooded terrain, the property offers a peaceful setting in a quiet neighborhood with no HOA restrictions. Public water is available, providing added convenience for future development. Conveniently located near local amenities, shopping, dining, outdoor recreation, and major roadways, the property offers easy access to nearby communities. This property presents an excellent opportunity to build your future home, create a private retreat, or make a smart investment in the Navarre area. Listing is for land only and comes As Is. Street addresses can be for listing purposes only and vacant land will receive a true street address once improved.

The essentials

On market
7 days
Annual tax
$395
Flood zone
X · Low risk
Lot
43,680 sqft
Type
Land

At a glance

Payment

Est. monthly payment
$605/mo
Down payment (20%)
$20,000
Property taxes
$33/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
43,680 sqft
Cooling
-
Heating
-
Parking
-
Days on Market
7
Flood Zone X
Annual Tax (2025)
$395
Parcel #
09-2S-26-1020-00200-0020

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
East Bay River Estates
County
Santa Rosa
MLS Area
32566 - Navarre
Lot Size
43,680 sqft

Price history

Date
Event
Price
10/9/2026
Listed for sale
Source: Stellar MLS #A4709273
$99,999

Neighborhood

8540 Bay River Rd
Navarre, FL, 32566 · 32566 - Navarre

Calculator

Est. monthly payment
$604/mo
Principal & interest$522
Property taxes$33
Insurance$50
Down payment20% · $20,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$99,999

Time on market

7 days

Monthly payment

About $605/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $395 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Have another question?

Brokered byNEW ALLIANCE GROUP REALTYListing agent: Zach HilferdingListing data from Stellar MLS, MLS# A4709273.

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