# 1938 Cardinal Ln, Navarre, FL 32566 > **TL;DR:** 4bd/3ba single family, $599,000 ($230/sqft), built 2016, 2,604 sqft. > A/C, 3-car garage. Est. $3,804/mo. Listed 7 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $599,000 | | Price/sqft | $230 | | Bedrooms | 4 | | Bathrooms | 3 full | | Square Feet | 2,604 | | Year Built | 2016 | | Lot Size | 20,038 sqft (0.46 acres) | | Stories | 1 | | Garage | 3-car | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 7 | ## Why This Home Stands Out - **Large Garage** - 3-car garage ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $3,029 | | Estimated Insurance | $175 | | HOA | $600 | | **Total** | **$3,804** | ## Nearby Schools - **Elementary:** Holley Navarre - **Middle:** HOLLEY NAVARRE - **High:** Navarre ## Key Amenities - A/C - 3-car garage ## Property Highlights - Built in 2016 - 0.46 acre lot - 3 parking spaces ## Description ### Agent 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! ## Location - **Address:** 1938 Cardinal Ln, Navarre, FL 32566 - **County:** Santa Rosa - **Neighborhood:** Holley By The Sea - **Coordinates:** 30.407587, -86.948942 - **Google Maps:** https://www.google.com/maps?q=30.407587,-86.948942 ## Listing Agent - **Name:** Steven Koleno - **Brokerage:** Bar Invest Realty LLC - **Phone:** 8046565007 - **Broker Phone:** 8442392663 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/1938-Cardinal-Ln_Navarre_FL_32566_M61550-60339?f=listhub&s=PARFL&m=689949&c=propsimple) ## Photos ![1938 Cardinal Ln - Photo 1](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f51666607r.jpg) ![1938 Cardinal Ln - Photo 2](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f4292418351r.jpg) ![1938 Cardinal Ln - Photo 3](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f3146297629r.jpg) ![1938 Cardinal Ln - Photo 4](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f1034867586r.jpg) ![1938 Cardinal Ln - Photo 5](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f740207936r.jpg) ![1938 Cardinal Ln - Photo 6](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f2062204261r.jpg) ![1938 Cardinal Ln - Photo 7](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f3507217145r.jpg) ![1938 Cardinal Ln - Photo 8](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f2407603713r.jpg) ![1938 Cardinal Ln - Photo 9](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f816637478r.jpg) ![1938 Cardinal Ln - Photo 10](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f3479049178r.jpg) ![1938 Cardinal Ln - Photo 11](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f267638957r.jpg) ![1938 Cardinal Ln - Photo 12](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f897573770r.jpg) ![1938 Cardinal Ln - Photo 13](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f2933939039r.jpg) ![1938 Cardinal Ln - Photo 14](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f2611715419r.jpg) ![1938 Cardinal Ln - Photo 15](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f4044264000r.jpg) ![1938 Cardinal Ln - Photo 16](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f2816261484r.jpg) ![1938 Cardinal Ln - Photo 17](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f3092125645r.jpg) ![1938 Cardinal Ln - Photo 18](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f2997026157r.jpg) ![1938 Cardinal Ln - Photo 19](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f1624776965r.jpg) ![1938 Cardinal Ln - Photo 20](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f3810543494r.jpg) ![1938 Cardinal Ln - Photo 21](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f2501712541r.jpg) ![1938 Cardinal Ln - Photo 22](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f1933810207r.jpg) ![1938 Cardinal Ln - Photo 23](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f5318729r.jpg) ![1938 Cardinal Ln - Photo 24](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f1957924425r.jpg) ![1938 Cardinal Ln - Photo 25](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f3877241526r.jpg) ![1938 Cardinal Ln - Photo 26](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f3651339584r.jpg) ![1938 Cardinal Ln - Photo 27](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f4086215592r.jpg) ![1938 Cardinal Ln - Photo 28](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f1915429255r.jpg) ![1938 Cardinal Ln - Photo 29](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f2008771611r.jpg) ![1938 Cardinal Ln - Photo 30](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f3088841190r.jpg) ![1938 Cardinal Ln - Photo 31](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f144645068r.jpg) ![1938 Cardinal Ln - Photo 32](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f2617297093r.jpg) ![1938 Cardinal Ln - Photo 33](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f1620003820r.jpg) ![1938 Cardinal Ln - Photo 34](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f2916169289r.jpg) ![1938 Cardinal Ln - Photo 35](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f1222213454r.jpg) ![1938 Cardinal Ln - Photo 36](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f3601586150r.jpg) ![1938 Cardinal Ln - Photo 37](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f814790305r.jpg) ![1938 Cardinal Ln - Photo 38](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f3498484069r.jpg) ![1938 Cardinal Ln - Photo 39](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f2407194843r.jpg) ![1938 Cardinal Ln - Photo 40](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f2745329102r.jpg) ![1938 Cardinal Ln - Photo 41](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f1764173132r.jpg) ![1938 Cardinal Ln - Photo 42](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f4050921888r.jpg) ![1938 Cardinal Ln - Photo 43](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f1197114168r.jpg) ![1938 Cardinal Ln - Photo 44](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f1999721553r.jpg) ![1938 Cardinal Ln - Photo 45](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f69914957r.jpg) ![1938 Cardinal Ln - Photo 46](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f155643864r.jpg) ![1938 Cardinal Ln - Photo 47](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f1428260125r.jpg) ![1938 Cardinal Ln - Photo 48](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f3798467788r.jpg) ![1938 Cardinal Ln - Photo 49](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f3734605911r.jpg) ![1938 Cardinal Ln - Photo 50](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f798366455r.jpg) ![1938 Cardinal Ln - Photo 51](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f3899343519r.jpg) ![1938 Cardinal Ln - Photo 52](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f3385959951r.jpg) ![1938 Cardinal Ln - Photo 53](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f857824136r.jpg) ![1938 Cardinal Ln - Photo 54](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f4260992895r.jpg) ![1938 Cardinal Ln - Photo 55](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f1218850009r.jpg) ![1938 Cardinal Ln - Photo 56](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f2833833825r.jpg) ![1938 Cardinal Ln - Photo 57](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f1632268054r.jpg) ![1938 Cardinal Ln - Photo 58](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f3856329446r.jpg) ![1938 Cardinal Ln - Photo 59](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f676205244r.jpg) ![1938 Cardinal Ln - Photo 60](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f3042628724r.jpg) ![1938 Cardinal Ln - Photo 61](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f2912609428r.jpg) ![1938 Cardinal Ln - Photo 62](http://lh.rdcpix.com/47918f0844290236c6f5aeb87628f04fl-f337555872r.jpg) --- **MLS#:** 689949 | **Updated:** 2026-10-06 **Source:** listhub *Copyright © 2026 Pensacola Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/1938-cardinal-ln-navarre-fl-32566-l689949) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/1938-cardinal-ln-navarre-fl-32566-l689949#listing", "url": "https://www.propertysimple.ai/listing/1938-cardinal-ln-navarre-fl-32566-l689949", "name": "1938 Cardinal Ln, Navarre, FL 32566", "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. 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