# 9538 Monte Carlo Cir, Navarre, FL 32566 > **TL;DR:** 3bd/2ba single family, $575,000 ($266/sqft), built 1992, 2,160 sqft. > Spa, Fireplace, Waterfront, A/C. Est. $3,376/mo. Listed 3 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $575,000 | | Price/sqft | $266 | | Bedrooms | 3 | | Bathrooms | 2 full | | Square Feet | 2,160 | | Year Built | 1992 | | Lot Size | 12,197 sqft (0.28 acres) | | Stories | 1 | | Garage | 2-car | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 3 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,908 | | Estimated Insurance | $168 | | HOA | $300 | | **Total** | **$3,376** | ## Nearby Schools - **Elementary:** Holley Navarre - **Middle:** HOLLEY NAVARRE - **High:** Navarre ## Key Amenities - Spa - Fireplace - Waterfront - A/C - 2-car garage ## Property Highlights - Built in 1992 - 0.28 acre lot - 2 parking spaces - Fireplace - Waterfront ## Description ### Agent Description Enjoy the relaxing Florida lifestyle with this beautiful coastal cottage, where you're just a few minutes from the beautiful white sands of Navarre Beach. This low maintenance home has been recently renovated with plenty of upgrades. Recent roof, gutters, exterior & interior paint, flooring, appliances, countertops, an enlarged screened patio, and a whole-house water filtration system. Featuring 3 bedrooms and 2 baths with over 2150sqft of spacious living and vaulted ceilings! The split floor plan offers privacy and convenience, with the primary bedroom and ensuite bath on one side of the house and the 2 guest bedrooms and full bath on the other side. The primary bedroom offers high ceilings, 2 walk-in closets, and private access to the rear screened porch and hot tub. Twin barn doors provide privacy in the ensuite, which is complete with dual vanities, an expansive custom walk-in shower, and linen closet. The main living area features a gas fireplace, and is open to the separate dining area, kitchen & breakfast nook. The spacious kitchen has plenty of cabinets, a center island, built-in wall oven, cooktop, refrigerator, LG dishwasher, large pantry, and breakfast bar. Centrally located just off of the kitchen, a dedicated laundry room (complete with 2022 LG Washer & Dryer on pedestals) leads to an oversized two-car garage. Outdoors, the beautifully landscaped yard provides your own tropical retreat. The rear yard is completely privacy fenced, features the screened patio and hot tub (with 240v breaker), as well as a covered patio area which is perfect for grilling or chilling! The front of the home has a circular driveway for easy access and plenty of parking for entertaining or family. Lots of palm trees complement the tropical feel of your own oasis. With this home, enjoy deeded waterfront access with a community dock with boat slips. A short boat ride across the Santa Rosa Sound and you are having dinner on the island while watching the sunset. Don't miss this! ## Location - **Address:** 9538 Monte Carlo Cir, Navarre, FL 32566 - **County:** Santa Rosa - **Neighborhood:** Riviera Beach - **Coordinates:** 30.40807722, -86.82363763 - **Google Maps:** https://www.google.com/maps?q=30.40807722,-86.82363763 ## Virtual Tour & Media - **Video Tour:** https://vimeo.com/1240102194 ## Listing Agent - **Name:** Frasier Phelps - **Brokerage:** Berkshire Hathaway HomeServices PenFed Realty - **Broker Phone:** (850) 932-6278 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/9538-Monte-Carlo-Cir_Navarre_FL_32566_M67882-97877?f=listhub&s=PARFL&m=690688&c=propsimple) ## Photos ![9538 Monte Carlo Cir - Photo 1](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f2301756090r.jpg) ![9538 Monte Carlo Cir - Photo 2](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f937662278r.jpg) ![9538 Monte Carlo Cir - Photo 3](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f3492574396r.jpg) ![9538 Monte Carlo Cir - Photo 4](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f241060817r.jpg) ![9538 Monte Carlo Cir - Photo 5](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f2258142969r.jpg) ![9538 Monte Carlo Cir - Photo 6](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f4004945839r.jpg) ![9538 Monte Carlo Cir - Photo 7](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f2303072567r.jpg) ![9538 Monte Carlo Cir - Photo 8](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f863181082r.jpg) ![9538 Monte Carlo Cir - Photo 9](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f923642715r.jpg) ![9538 Monte Carlo Cir - Photo 10](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f1324300772r.jpg) ![9538 Monte Carlo Cir - Photo 11](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f2430232408r.jpg) ![9538 Monte Carlo Cir - Photo 12](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f823069585r.jpg) ![9538 Monte Carlo Cir - Photo 13](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f3486079822r.jpg) ![9538 Monte Carlo Cir - Photo 14](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f2197669402r.jpg) ![9538 Monte Carlo Cir - Photo 15](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f2625372870r.jpg) ![9538 Monte Carlo Cir - Photo 16](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f3947055126r.jpg) ![9538 Monte Carlo Cir - Photo 17](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f2053891516r.jpg) ![9538 Monte Carlo Cir - Photo 18](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f2419437986r.jpg) ![9538 Monte Carlo Cir - Photo 19](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f1181618637r.jpg) ![9538 Monte Carlo Cir - Photo 20](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f1652380446r.jpg) ![9538 Monte Carlo Cir - Photo 21](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f3705094175r.jpg) ![9538 Monte Carlo Cir - Photo 22](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f2529609745r.jpg) ![9538 Monte Carlo Cir - Photo 23](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f3398234891r.jpg) ![9538 Monte Carlo Cir - Photo 24](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f1974623946r.jpg) ![9538 Monte Carlo Cir - Photo 25](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f3535463328r.jpg) ![9538 Monte Carlo Cir - Photo 26](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f2496716913r.jpg) ![9538 Monte Carlo Cir - Photo 27](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f4098322835r.jpg) ![9538 Monte Carlo Cir - Photo 28](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f1122886284r.jpg) ![9538 Monte Carlo Cir - Photo 29](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f2254692174r.jpg) ![9538 Monte Carlo Cir - Photo 30](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f3453308285r.jpg) ![9538 Monte Carlo Cir - Photo 31](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f4095246139r.jpg) ![9538 Monte Carlo Cir - Photo 32](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f1254622034r.jpg) ![9538 Monte Carlo Cir - Photo 33](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f986601402r.jpg) ![9538 Monte Carlo Cir - Photo 34](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f2493489246r.jpg) ![9538 Monte Carlo Cir - Photo 35](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f3066648353r.jpg) ![9538 Monte Carlo Cir - Photo 36](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f1558129863r.jpg) ![9538 Monte Carlo Cir - Photo 37](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f151856330r.jpg) ![9538 Monte Carlo Cir - Photo 38](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f485340618r.jpg) ![9538 Monte Carlo Cir - Photo 39](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f2163441330r.jpg) ![9538 Monte Carlo Cir - Photo 40](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f3015666008r.jpg) ![9538 Monte Carlo Cir - Photo 41](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f3183211488r.jpg) ![9538 Monte Carlo Cir - Photo 42](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f3267807r.jpg) ![9538 Monte Carlo Cir - Photo 43](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f1992873710r.jpg) ![9538 Monte Carlo Cir - Photo 44](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f2524506952r.jpg) ![9538 Monte Carlo Cir - Photo 45](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f995476090r.jpg) ![9538 Monte Carlo Cir - Photo 46](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f4223015703r.jpg) ![9538 Monte Carlo Cir - Photo 47](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f2029254124r.jpg) ![9538 Monte Carlo Cir - Photo 48](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f3864444009r.jpg) ![9538 Monte Carlo Cir - Photo 49](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f1967507915r.jpg) ![9538 Monte Carlo Cir - Photo 50](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f3433915081r.jpg) ![9538 Monte Carlo Cir - Photo 51](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f763368029r.jpg) ![9538 Monte Carlo Cir - Photo 52](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f4123909571r.jpg) ![9538 Monte Carlo Cir - Photo 53](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f3004103075r.jpg) ![9538 Monte Carlo Cir - Photo 54](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f37254908r.jpg) ![9538 Monte Carlo Cir - Photo 55](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f385929764r.jpg) ![9538 Monte Carlo Cir - Photo 56](http://lh.rdcpix.com/79b43c96964f6a257dcc60c316476c33l-f1454980665r.jpg) --- **MLS#:** 690688 | **Updated:** 2026-11-01 **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/9538-monte-carlo-cir-navarre-fl-32566-92c3474fe2924c669223bb1fea7f0437) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/9538-monte-carlo-cir-navarre-fl-32566-92c3474fe2924c669223bb1fea7f0437#listing", "url": "https://www.propertysimple.ai/listing/9538-monte-carlo-cir-navarre-fl-32566-92c3474fe2924c669223bb1fea7f0437", "name": "9538 Monte Carlo Cir, Navarre, FL 32566", "description": "Enjoy the relaxing Florida lifestyle with this beautiful coastal cottage, where you're just a few minutes from the beautiful white sands of Navarre Beach. This low maintenance home has been recently renovated with plenty of upgrades. 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