Sunset over East Bay seen from a covered balcony rail, framed by tall pines, with marsh grass below.

Bayfront on East Bay · Navarre, Florida

Front row. Every evening.

Two stacked 400 sq ft balconies on East Bay. A private pier and a covered slip below.

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Offered at $800,000 7109 Wells Avenue · Navarre, FL 32566 View the MLS listing

3 Bedrooms
2 full, 2 half Baths
2,368 Sq ft heated
109 feet On East Bay

Sunset over East Bay from the top-floor balcony.

There's no such thing as a plain sunset on East Bay. Just tonight's, a balcony with nothing between you and it, and the boat already home below.

Life on East Bay

The owners took these. Nobody staged the sky.

The sun sitting on the horizon over calm open water, its reflection running toward the camera, with towers standing in the water and the roof and pilings of a covered dock in silhouette at right. — Sundown over East Bay. Owner photo.

A blue crab standing on weathered dock boards with both claws raised, calm blue water behind it. — A blue crab on the dock. Owner photo.

Tall white and pink clouds mirrored in flat, calm water, with a low wooded shoreline and a long pier on the far side. — Clouds over a calm East Bay. Owner photo.

A heron standing at the edge of a wooden dock at sunset, a wooden bench in the foreground, and open water with towers on the horizon. — A heron on the dock at sunset. Owner photo.

Three dolphins surfacing side by side in rippled bay water, with docks along a wooded far shore. — Dolphins in the bay. Owner photo.

Swirling pink and dark blue storm clouds at dusk over open water and a low far shore. — Storm clouds over East Bay at dusk. Owner photo.

An owl with dark eyes and spotted brown feathers perched on a thick tree limb among leafy branches. — An owl in the trees. Owner photo.

A dog standing on a wooden dock, looking out at a sunset over calm water. — Evening on the dock. Owner photo.

Sunbeams fanning out from behind a dark cloud over open water, the clouds mirrored in the calm surface, with towers on the horizon. — Sunbeams over East Bay. Owner photo.

An orange butterfly with black spots, its wings spread, resting on a yellow flower against blurred green foliage, with a long leaf across the top and a second yellow flower in the lower corner. — A butterfly on a flower. Owner photo.

Pink and violet sunset clouds reflected in calm water, with a tree-lined point in silhouette at right. — Sunset over East Bay. Owner photo.

A small heron with a chestnut neck perched on a weathered wooden rail above tall marsh grass. — A heron on a rail over the marsh. Owner photo.

The aurora glowing pink and violet in the night sky over still water, with a few stars, the lights of docks along the shore, and dark trees at right. — A rare glimpse of the aurora over the bay. Owner photo.

Ten things that come with the view

That perfectly good couch inside is about to get lonely.

View from a covered balcony through tall pines: a boardwalk runs through marsh grass to the covered dock, with open bay water beyond. — East Bay from the top-floor balcony, with the boardwalk down to the covered dock.

Sunset over East Bay, from your own rail

The bay opens to the west and southwest, so the sun sets over the water off the back of the house. The living room, kitchen, primary bedroom, and top-floor bonus room all face the water. The dolphins like the view too.

Looking back along a wooden pier toward shore: a covered boat slip with side catwalks on the right, a covered deck with a hanging swing on the left, and the house in the pines beyond the marsh. — The pier, the covered boat slip, and the covered deck with its swing.

A private pier, and the boat under its own roof

A boardwalk crosses the marsh to a private pier on 109 feet of East Bay, with a covered boat slip at the end. The boat lives out back, not at a marina across town.

From the slip, it's under the Garcon Point Bridge, with 65.6 feet of clearance, and out into Pensacola Bay.

A wooden swing hanging on chains under the roof of the covered dock, over open water in afternoon sun. — The swing on the covered dock at the end of the pier.

Dinner starts at the end of the pier

The owners have pulled redfish, trout, and sunfish off this dock, and one day enough blue crab for a boil. Put a kayak in and you're in the estuary, where they've landed a largemouth bass. Between bites, there's a chain swing on the covered deck.

A utility lift platform behind a hinged rail gate, seen through an open screen door, with trees beyond. A text band across the top reads "Utility / Disability Lift to all 3 levels." — The utility lift gate. The lift serves all three levels.

A lift to every floor

A 4x4 utility lift, rated for 1,000 lbs, runs from the carport to all three levels. It got a new motor in September 2026. The cooler, the groceries, and the luggage ride up. The stairs are for when you feel like it.

A long covered balcony with a wood rail and white posts, looking over pines and marsh to the boardwalk, the covered dock, and open bay water. — The covered top-floor balcony, over the boardwalk and the covered dock.

A screened porch with ceiling fans and string lights, looking over the lawn and the boardwalk to the covered dock and the bay, with a covered hot tub at the far end. — The screened porch, with the hot tub at the far end.

Two balconies, 400 sq ft each, stacked

Both covered, both facing the bay. The top one is the sunset seat. The one below is screened, with ceiling fans and the hot tub at the far end, looking right at the water.

A small half bath with a concrete floor, a pedestal sink, and a toilet, its walls open wood framing and sheathing around a wood piling, with a door standing open to daylight. — The half bath under the carport.

A half bath at the bottom of the stairs

Come up from the dock and the half bath is right under the carport, so a wet swimsuit never has to go upstairs. The carport is covered and oversized, with room for the boat, the golf cart, and the kayaks, plus a storage room for everything else.

A gravel driveway running through dense woods, with the house on pilings just visible at the end. — The gravel drive in through the woods.

A half acre at the end of the road

Wells Avenue is a paved dead-end street, and this house is at the end of it, down a gravel drive in the pines. Between the woods and the marsh, the loudest thing most evenings is the bay.

High aerial over East Bay: a blue location pin marks a house in the pines at the shoreline, with its boardwalk and covered dock at the water, open bay water out to a far wooded shore, and marsh and tidal creeks at right. — The lot on East Bay, marked by the pin.

Bay out back, beach down the road

Navarre Beach is about 20 minutes south, with white sand and clear Gulf water. Around here, we call them the most beautiful beaches in the world. Swim in the Gulf at noon and be back on the pier for sunset.

I-10 is about 20 minutes north. The beaches in these photos are area beaches, a short drive from the pier.

Navarre Beach: about 20 minutes
I-10: about 20 minutes
Fort Walton Beach: about 30 minutes
Pensacola: about 35 minutes

Clear, shallow turquoise water washing onto white sand at a beach, under a blue sky with light clouds. — Clear water at an area beach.

Waves breaking onto a white-sand beach, green water out to the horizon, and tall white clouds in a blue sky. — Surf at an area beach.

No HOA, no CCRs

No association, no dues, no covenants, and no known special assessments. Short-term rentals are allowed, so the house can work the weeks you can't be here. The boat, the paint color, and the dock party answer to you, not a board.

New roof, new lift motor

The roof was replaced in 2021. The carport got a PVC soffit and a re-insulated subfloor in 2025, about $17,000. The pier was redecked in 2025.

The utility lift was added in 2020, about $10,000, and got a new motor in September 2026. That's the money a bay house usually asks for first, already spent.

The rooms that face the water

Inside, the bay gets the best wall.

An empty living room with laminate floors and a ceiling fan, a dining area with a chandelier at left, and French doors and windows on the far wall looking out to a deck rail and the bay. — The living room's water-facing wall.

An empty living and dining area with laminate floors: a chandelier over the dining space, a window and French doors to a deck and the bay on the left, and a lit fireplace on the far wall. — The living and dining area and the propane fireplace.

An empty room with a tray ceiling and wood-look floors, where a wide doorway between two windows opens onto a covered balcony overlooking the bay. — The top-floor bonus room under the tray ceiling, open to the balcony.

The living room's back wall is French doors and windows, and East Bay fills every one of them. Ceilings on the main floor are 9 feet.

Up top, the bonus room sits under a tray ceiling and opens straight onto the balcony. There's a propane fireplace and built-in bookcases, and the washer, dryer, and refrigerator stay.

This is a 2002 house with 2002 finishes, oak cabinets and laminate floors included. It's solid and move-in ready, and the updates are yours to pick, on your schedule.

The house, floor by floor

In the order you'd walk it, from the gravel drive to the end of the pier.

Arrival and the front

The front of a house with light gray siding raised on wooden pilings, with a covered entry porch, an arched window over the front door, wooden stairs down to a gravel drive, an open carport under the house, and tall trees on both sides. — The front of the house at the end of the gravel drive.

The side of the house raised on tall wooden pilings: a concrete carport underneath beside the sided walls of an enclosed storage room, a white door in the wall under the house, and wooden stairs climbing to the covered entry porch, among trees. — The side of the house, with the carport and the storage room underneath.

Ground level

A long storage room with plywood walls, a concrete floor, and a fluorescent light: built-in wood shelving at right, a roll-up door at the far end, a wood piling at left, and stored belongings along both sides, including a refrigerator, a hand truck, and boxes. — The storage room on the ground level, with a roll-up door at the far end.

Main floor

An empty open room with laminate floors under a ceiling fan: a carpeted stair rises at left, the kitchen with oak cabinets and a peninsula with three bar stools sits straight ahead, and a chandelier hangs by a window onto trees at right. — The main floor, from the living room to the kitchen.

A kitchen with oak cabinets, white counters, and a tile floor: a built-in desk at left, a stainless refrigerator, and a peninsula with three bar stools and a wine rack in front. — The kitchen, with oak cabinets and a peninsula.

A bedroom with laminate floors and a ceiling fan: French doors under a dark drape and a window beside them look out to trees and potted plants on a porch, with a wooden sleigh bed, a tall mirror, and a wood dresser. — The primary bedroom, with French doors to the porch.

A bathroom with a tile floor: an oak vanity at left, a corner whirlpool tub with jets set on a tiled step under a glass block window, and a white shower stall at right. — The primary bath: a corner whirlpool tub, a separate shower, and glass block windows.

Top floor

An empty room with a tray ceiling and laminate floors: at left a wide opening onto a covered balcony with the bay beyond the rail and a window beside it, and at right a closet door and a doorway into a bathroom with blue walls. — The top-floor bonus room: the balcony at left, the hall to the bath at right.

A bedroom with laminate floors and a ceiling fan: French doors under drapes between two windows open onto a covered balcony with trees beyond, with a wingback chair, a bed between two lamps, and a window on the side wall. — A top-floor bedroom, with French doors to the covered balcony.

A bedroom with laminate floors and a ceiling fan: a bed with an iron headboard between two windows onto green trees, a side table, and two wood dressers. — A top-floor bedroom.

A bathroom with blue walls: a tub and shower behind a patterned curtain, a toilet, and an oak vanity under a wide mirror. — The top-floor full bath, with a tub and shower.

The two balconies

The back of the house among tall pines: a covered balcony with French doors and a wood rail across the top floor, a screened porch across the floor below with stairs down to the ground, and a boardwalk leading toward the camera. — The back of the house: the covered balcony above, the screened porch below.

Down to the pier

Low view from over the bay: the covered dock with its boat slip and a hanging swing in the foreground, and a long boardwalk crossing the marsh grass to the house in tall pines. — From the water: the covered dock and the boardwalk to the house.

High aerial over the shoreline: a covered dock at the end of a boardwalk that crosses the marsh to a house in tall pines, a neighbor's dock and houses on either side, and woods and a neighborhood inland. — The lot from above: the covered dock, the boardwalk, and the house in the pines.

See all 50 photos

The land, the house, and the cost to own

What it takes to keep, in plain numbers.

Aerial from over East Bay: the covered dock and boat slip in the foreground, a boardwalk crossing the marsh grass to a three-story house in tall pines, with a neighboring house at right. — The lot from the bay: the covered dock, the boardwalk through the marsh, and the house in the pines.

A long wooden boardwalk running straight through tall marsh grass to the back of a three-story house on pilings among tall pines. — The boardwalk from the pier through the marsh to the house.

Land and structures

Lot0.508 acresPines at the road, marsh at the water.
Frontage109 feetOn East Bay, open to the west and southwest.
Pier and slipCovered slipPrivate pier, permitted 2003, redecked 2016 and 2025.
Covered deckChain swingAt the end of the pier, under its own roof.
BoardwalkOver the marshFrom the yard out to the pier.
CarportOversizedUnder the house on pilings, with a storage room and a half bath.
Utility lift1,000 lbs4x4, from the carport to all three levels.
EasementConservationOn part of the lot; cut trees and stumps stay put for erosion control.

The indoor AC unit and the water heater are about 24 years old, so plan for both. The roof is from 2021 and the outdoor AC unit is about 5 years old. The lot is in flood zone AE, so price flood insurance before you write an offer.

House

3	Bedrooms
2 full, 2 half	Bathrooms
2,368 sq ft	Heated area
2002	Built
3 stories: ground (carport, storage room, half bath), main floor, top floor	Levels
Two, covered and stacked, 400 sq ft each	Balconies
Covered, oversized carport with boat and golf-cart parking; no garage	Parking
Washer, dryer, refrigerator	Stays with the house

Land and water

0.508 acres	Lot
109 feet on East Bay	Water frontage
Private pier and boathouse, permitted 2003, redecked 2016 and 2025	Pier
Covered	Boat slip
Covered, with a chain swing	Deck
Under the Garcon Point Bridge (65.6 feet of clearance) into Pensacola Bay, then under the Pensacola Bay Bridge to Pensacola Pass	Route to open water
Not measured. Bring your boat's draft to the showing.	Water depth
Conservation easement on part of the lot; cut trees and stumps stay for erosion control	Easement

Systems

Replaced 2021, permitted	Roof
Two-zone central; outdoor unit about 5 years old, indoor unit about 24 years old (per seller)	Heating and cooling
Electric, about 24 years old (per seller)	Water heater
Utility and disability lift, 4x4, rated for 1,000 lbs, all three levels; added 2020	Lift
PVC carport soffit and re-insulated subfloor, 2025, about $17,000	Recent work

Utilities and services

Public water, Holley-Navarre Water System; septic	Water and sewer
Propane for the stove and fireplace; no natural gas	Gas

Rules and records

None; no CCRs; no known special assessments	HOA
Allowed; Santa Rosa County registration and 5% Tourist Development Tax apply	Short-term rentals
AE, Special Flood Hazard Area	Flood zone
11.0 feet (NAVD88)	Base flood elevation
12113C0558H, effective November 2021	FIRM panel
Flooded in Hurricanes Ivan and Sally, no water inside the house (per seller)	Flood history
38-1S-27-0000-00449-0000	Parcel

Location

7109 Wells Avenue, Navarre, FL 32566	Address
Santa Rosa	County
about 20 minutes	Navarre Beach
about 20 minutes	I-10
about 30 minutes	Fort Walton Beach
about 35 minutes	Pensacola

Cost to own

Property taxes, current owner

$2,845.33

2025, with the seller's homestead exemption

Property taxes, estimated after sale

About $9,100 a year

without a homestead exemption

About $8,670 a year

with a new homestead exemption

Homeowners insurance
By quote
Hand your agent the 2021 roof date and the wind mitigation report. The glass openings have no impact protection, so expect the quote to reflect it.
Flood insurance
Required
By quote; hand the agent the elevation certificate.
HOA or assessments
None
No dues, no CCRs, no known special assessments.

Utilities, the seller's monthly averages

ElectricAbout $130a month
WaterAbout $12a month
PropaneAbout $28a month
InternetAbout $100a month

Florida resets a home's assessed value to market value after a sale, so the seller's homestead bill is not what the next owner pays. The estimate assumes an assessed value equal to the list price and Santa Rosa County's 2026 working millage of 11.3781 mills, not yet certified; the first $25,000 of a new homestead exemption applies to the full millage, the second $25,000 to the non-school millage only. Final rates can differ. Insurance figures are estimates and vary by buyer and carrier.

You'll say you're going down to the dock for a minute. Out here, a minute lasts until the sun goes down.

A note for homeowners

This is how I market every listing.

A site like this one on its own domain, plus the media and the ads behind it. Here's what that would look like for your home.

See how I'd market your home

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Todd Siegrist, Real Estate Strategist

Todd Siegrist has called the Emerald Coast home for two decades, and he built his real estate practice around a simple objection: most sellers pay a large commission for little more than a sign in the yard and an MLS entry. He works the opposite way, with no long-term contracts, no inflated fees, and marketing driven by data rather than guesswork. Across 68 five-star Google reviews, the feedback is consistent: absolute transparency, communication at any hour, and an advisor who treats real estate like a discipline instead of a coin flip. He answers his own phone. Let's rock.

See it in person

Watch one from the balcony. Call or text Todd to see 7109 Wells Avenue at sunset.

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7109 Wells Avenue, Navarre, FL 32566

View the MLS listing