Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly Team

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

Agent profile image in message

1938 Cardinal Ln , Navarre, FL 32566
$599,000
Est. Payment: $3,309.39/mo
4 Bed
3 Bath
2604 Sqft
0.46 Acres
Status: Active | Days on site: 1
Get Pre-Qualified
BIR001 - 15538
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
Agent profile image
Harrison Lilly Team
Owner/Operator

House Description

* Motivated seller open to creative buyer incentives * Beautiful, 4 bedroom, 3 full bath property in desirable Holley By The Sea (HBTS) neighborhood, 10 minutes from Navarre Beach and 5 minutes from HBTS recreation center. On a quiet street, great for bike rides or walking the dog. A quick jump to the highway provides easy access to Eglin, Hurlburt, Destin, Downtown Pensacola, and Gulf Breeze. HBTS amenities include: basketball/tennis courts, a gym, a park, indoor/outdoor pools, a pier, and more. The kitchen is the heart of the home with 42 inch cabinets, granite counters, stainless appliances, and a walk-in pantry. This space is shared with a large living room with a 12 ft ceiling and windows facing the backyard, where the morning morning light streams in. The formal dining room has 12 ft ceilings as well, with elegant chair/panel molding. Arched doorways throughout give an airy, bright atmosphere. Off the kitchen is a large laundry room with shelving. The spacious 3 car garage has plenty of space, with built in shelving for storage as well. On the topic of storage, there are closets in all bedrooms, as well as throughout the house. All three baths are full and have granite countertops. The primary bedroom is the crown jewel, with a nook the size of a room, two walk in closets, and a large bath. The house is beautifully landscaped, with a substantial garden in back with raised beds, fruit trees and bushes, perennial flowers, herbs, and native plants. It is a butterfly and nature lover’s paradise. The owner is a Master Gardener and has made it into a turn-key garden, lovingly designed with something to enjoy year round. The grounds also have nice wooden 10’x20’ shed and a chicken house with chicken run. Upgrades and maintenance items include a reverse osmosis water filter, water heater installed this year, and fresh paint throughout the house. * Smoke free home. * Don’t miss out on this modern, comfortable home just minutes from the beach!

Highlights

Listed by Steven Koleno , 804-656-5007 Beycome of Florida, LLC , 804-656-5007. Pensacola Association of REALTORS®, Inc.

Property Type

Residential

Lot/Acreage
0.46

HOA Fee

600 Annually

Year Built

2016

County

Santa Rosa

Neighborhood

Holley By The Sea

Listing ID

689949

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Tile,Carpet,Laminate
Other:
  • ▪ Additional:Baseboards, Ceiling Fan(s), Chair Rail, Crown Molding, High Ceilings, Gym/Workout Room, Master on Main
Water:Public

Exterior Features

Lot:Interior Lot
Lot Dimensions:100X200
Garage Capacity:3
Zoning:Res Single
Roof:Shingle
Others:
  • ▪ Additional:Resale
Sewer:Public Sewer
Parking Features:3 Car Garage,Driveway,Front Entrance
Principal Interest
$3,309
Taxes
$382
HOA
$600

Home Price

$599,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$119,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$3,309.39

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,309.39 $381.86 $600.00 $4,291.25
Yearly $39,712.66 $4,582.35 $7,200.00 $51,495.01
Total $1,191,379.94 $137,470.50 $216,000.00 $1,544,850.44

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
Market insight data is pulled from the same city as the listing being viewed (Navarre, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Pensacola Association of REALTORS®, Inc., and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-06T23:44:11.000Z

© 2026 Pensacola Association of REALTORS®, Inc.