Navarre Realtor
Kinsey Haddock P.A.
Navarre REALTOR®
Licensed Broker Associate with Coldwell Banker Realty. Serving buyers and sellers in Navarre and Santa Rosa County — one of the most underrated beach communities on the Gulf Coast, with Gulf-front access at prices well below Destin and PCB. License #BK3253849.
Who Is Kinsey Haddock?
Kinsey Haddock P.A. is a licensed Florida Broker Associate and Realtor® with Coldwell Banker Realty — Panhandle. He represents local and out-of-state buyers and sellers across the Emerald Coast and the Forgotten Coast, with deep market knowledge in Navarre.
Many clients purchase second homes or vacation rentals remotely, while local clients rely on the same attentive guidance for a primary-home purchase or sale. Kinsey's job is to protect your interests and help you make the best decision for your goals.
Contact KinseyNavarre specialties
Credentials & proof
License
Florida #BK3253849
Brokerage
Coldwell Banker Realty — Panhandle
Office address
726 Navy Blvd, Panama City Beach, FL 32408Markets served
From the Forgotten Coast to the Emerald Coast
St. George Island · Cape San Blas · Port St. Joe · Mexico Beach · Panama City · Panama City Beach · 30A · Destin
Client reviews
Get in touch
Contact pageWhat Kinsey Does in Navarre
Buyer Representation
Exclusive buyer representation — no conflict of interest. Kinsey works for you, not the seller. He identifies the right property, negotiates the best price, and protects you through every step of the transaction.
Read more →Navarre Beach Expertise
Navarre Beach is one of the most undervalued Gulf-front markets in Florida. Kinsey knows the buildings, the rental rules, the flood zones, and the financing quirks that catch out-of-state buyers off guard.
Read more →Military Relocation
Specialized support for active-duty and veteran buyers relocating to Hurlburt Field, Eglin AFB, or NAS Pensacola. VA loan expertise, fast timelines, and remote purchase support for buyers who can't visit before closing.
Read more →Vacation Rental Investment
Navarre Beach offers Gulf-front rental income at prices significantly below Destin and PCB. Kinsey provides actual rental income analysis — not projections — to help you evaluate the real return on a Navarre Beach investment.
Read more →Navarre Market Knowledge
Navarre Beach — the Gulf Coast's best-kept secret
Navarre Beach sits on Santa Rosa Island between Pensacola Beach and Fort Walton Beach. It has the same emerald water and white sand as Destin and PCB, but at prices 20–40% lower. Gulf-front condos start in the $400K–$600K range — a fraction of comparable Destin product.
Santa Rosa County — strong schools, low density
Santa Rosa County consistently ranks among the fastest-growing and highest-quality-of-life counties in Florida. Lower density than Okaloosa or Bay County, excellent schools, and a quieter lifestyle make it a favorite for families and retirees.
Military market dynamics
Navarre's proximity to Hurlburt Field, Eglin AFB, and NAS Pensacola creates consistent demand from military families. VA loan expertise is essential in this market, and Kinsey has extensive experience with VA transactions.
Navarre vs. Destin and PCB
Navarre offers comparable Gulf-front access at meaningfully lower prices than Destin or PCB. The trade-off is less commercial development — fewer restaurants and retail options — which is exactly what many buyers want.
Why Buyers Work With Kinsey in Navarre
Military relocation expertise (MRP designation)
Navarre Beach's proximity to Hurlburt Field and Eglin AFB means a significant portion of the buyer and renter pool is military. Kinsey holds the MRP designation and understands VA loans, BAH considerations, and PCS timeline pressures — and has helped military buyers close on tight timelines when they couldn't be here in person.
Gulf-front value: Navarre vs. Destin pricing
Navarre Beach Gulf-front homes are significantly more affordable than comparable properties in Destin or PCB — making it one of the best value plays for Gulf-front buyers on the panhandle. Kinsey helps buyers understand the trade-offs and where the real value is in today's Santa Rosa County market.
Growing vacation rental market knowledge
Navarre Beach's vacation rental market has grown significantly as travelers discover the area's uncrowded beaches and lower prices. Kinsey evaluates rental income potential, HOA policies, and property management options before you make an offer — so your investment thesis is grounded in real data.
Flood zone and insurance analysis
Navarre Beach barrier island properties are in flood zones. Kinsey reviews flood zone designations and helps buyers estimate insurance costs before making an offer — so there are no surprises at closing and you understand the true cost of ownership on the island.
Market snapshot
Navarre Beach Market Snapshot
Single-Family Homes, Condos & Townhomes · Santa Rosa County · ZIP 32566 · Updated September 2026
Median Sold Price
$440,000
Down 1.9% month over month
Median Days in RPR
64 days
Up 72.97% month over month
Months of Inventory
4.4 months
Seller’s market · Down 14.2% YoY
Sold-to-List Ratio
98.5%
Homes selling near asking price
Navarre Beach is a seller’s market as of August 2026, with 4.4 months of inventory — down 8.9% month over month and 14.2% year over year. The median sold price was $440,000, and homes are selling at 98.5% of asking price. Median days in RPR rose to 64 days, reflecting longer marketing times even as supply tightened.
Sources: RPR Market Trends — September 2026 · ZIP 32566 · Generated October 2026 and Redfin Navarre Beach sold-market data
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What Buyers Say
"Kinsey understood the VA loan process better than any agent we'd worked with before. He found us a great home near Hurlburt and made the whole process stress-free."
— Military Buyer, Navarre
"We were looking at Destin but the prices were out of reach. Kinsey showed us Navarre Beach and we immediately saw the value. Same water, same sand, much better price."
— Vacation Home Buyer, Navarre Beach
"We moved from the Midwest and had no idea Navarre existed. Kinsey's honest comparison of the different markets helped us find exactly what we were looking for."
— Relocating Buyer, Navarre
Free downloads
Guides for Buyers & Sellers
CB — Buyers Agent Reference Guide
What buyer representation actually means — fiduciary duties, agency agreements, compensation, and what sets a professional buyer's agent apart.
Download PDFConsidering Selling to Just Listed
Every stage of the listing journey — pricing strategy, preparing your home, what to expect from the listing process, and how Kinsey positions your property for maximum exposure.
Download PDFThinking of listing?
Considering Selling to Just Listed
Every stage of the listing journey — pricing strategy, preparing your home, and how Kinsey positions your property for maximum exposure on the Emerald Coast.
Read the guideMy Listing Presentation — Kinsey Haddock P.A.
Kinsey's full seller strategy: marketing plan, pricing approach, 8-step listing process, and the credentials behind more than fifteen years and $50M+ in closed volume.
View the presentationReady to Buy or Sell in Navarre?
Call, email, or reach out through the contact page. No pressure, no obligation.
Or send a message to get started.
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Video Tours Near Navarre
Thinking of selling?
Kinsey also represents sellers in Navarre
Local pricing strategy, professional photography, and full listing management.