Gated Communities in Pensacola, FL
Looking for gated communities in Pensacola, FL? Momentum tracks 4 Pensacola communities with evidence of gated community living, each with MLS-derived pricing and market pace below — plus the local questions worth asking before you buy, and a direct line to an agent who works these communities.
Pensacola gated communities at a glance
The communities, by recent sales activity
| Community | City | Median price | 1-yr change | Days on mkt |
|---|---|---|---|---|
| Silverleaf · agent | Pensacola | $294,000 | -4.0% | 15 d |
| Forest Creek · agent | Pensacola | $315,000 | +2.0% | 70 d |
| Amberwood · agent | Pensacola | $264,000 | -1.0% | 100 d |
| Herons Walk · agent | Pensacola | $925,000 | – | 470 d |
Communities are listed by recent closing volume in Momentum’s MLS data. Figures are aggregates, change over time, and are deemed reliable but not guaranteed.
What gates change about ownership
Controlled access typically comes with a manned gate, a transponder system, or both — funded through HOA dues. Expect guest-access procedures, delivery and contractor rules, and in some communities rental restrictions. Review the HOA budget for how the gate and any roving patrol are funded, and whether roads are private (the HOA maintains them — another line in the dues) or public.
Due diligence before you buy behind a gate
Request the HOA documents early: budget, reserves, rules, and the last two years of meeting minutes. Private roads, gates and common areas are owner-funded, so thin reserves become special assessments. Our buyer closing costs calculator helps you model dues and assessments into the real monthly cost.
What it costs to own here
At Escambia County’s typical combined millage of 17.54 mills, a purchase at $304,500 (the median across these Pensacola gated communities) generates roughly $5,340 a year in property tax before exemptions — about $445 a month. Florida resets the assessed value to roughly your purchase price, so the seller’s current bill is not a preview of yours; a homesteaded owner then gets the $25,000–$50,000 exemption and the 3% Save Our Homes cap going forward. Citizens Property Insurance policies in Escambia County average about $2,364 a year ($197 a month) — private-market quotes vary with roof age and wind mitigation, so price coverage before your inspection window closes. All-in, our county model puts the typical monthly cost of ownership in Escambia County near $1,751 (principal and interest on the typical home, tax, and insurance).
Run your exact numbers: the property tax after purchase calculator uses Escambia County’s verified millage, and the buyer closing costs calculator builds the full cash-to-close.
Demand and supply in Escambia County right now
In the most recent IRS migration data (2022-2023), Escambia County gained a net 975 people to relocation, with the largest inbound flows from AL, CA, VA. Households moving IN reported average incomes of $62,404 versus $62,012 for those leaving — the income mix of demand, straight from tax filings. Population is up about 3.8% over the recent multi-year window. On the supply side, builders pulled 1,398 residential permits in Escambia County in 2025 (1,366 single-family), down 4.4% year over year — against 1,989 at the 2022 peak. Permits are tomorrow’s inventory: a shrinking pipeline supports prices, a swelling one hands buyers leverage. Our valuation model reads the county as undervalued by about 12.2% versus its income-and-rent fundamentals.
Live inventory, refreshed nightly from the MLS.
Live gated-community listings in Pensacola
44 active listings carry the flag today (5% of Pensacola inventory), median asking $729,500, $302/sq ft, median 115 days on market. Photo cards link to the listing; refreshed nightly.
Newest gated community homes in Pensacola
The most expensive gated community homes in Pensacola
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 800 S Palafox St #301 | $2,000,000 | 2,238 | — |
| 800 S Palafox St #201 | $1,900,000 | 2,238 | — |
| 16549 Perdido Key Dr #W102 | $1,490,000 | 2,414 | The Marseilles |
| 4050 Indigo Dr #301 | $1,300,000 | 3,016 | Laguna Pointe |
| 1606 Waters Edge | $1,298,000 | 4,054 | Country Club Place |
| 8975 Salt Grass Dr | $1,279,000 | 4,484 | Nature Trail |
| 224 Key Largo Pl | $1,200,000 | 2,456 | — |
| 16604 Perdido Key Dr #1 | $1,190,000 | 2,875 | — |
| 16604 Perdido Key Dr | $1,149,000 | 2,875 | — |
| 13335 Johnson Beach Rd #703 | $1,100,000 | 1,890 | Lands End |
Gated Community Homes by price
| Band | For sale | Share |
|---|---|---|
| Under $300K | 2 | 5% |
| $300K–$500K | 13 | 30% |
| $500K–$750K | 7 | 16% |
| $750K–$1M | 10 | 23% |
| $1M+ | 12 | 27% |
Pensacola gated community homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Gated Community Homes | New build | Median list | From |
|---|---|---|---|---|
| Lost Key Golf & Beach Club | 9 | 0 | $475,000 | $424,900 |
| Nature Trail | 8 | 1 | $757,450 | $465,000 |
| Huntington Creek | 6 | 0 | $649,750 | $564,900 |
| Innerarity Island | 5 | 1 | $699,000 | $535,000 |
| Herons Forest | 4 | 0 | $519,000 | $449,500 |
| Purple Parrot | 4 | 0 | $352,000 | $250,000 |
| Antietam | 3 | 0 | $335,000 | $325,000 |
| Mallory Square North | 2 | 0 | $1,062,000 | $975,000 |
| Laguna Pointe | 2 | 0 | $844,950 | $389,900 |
| Harbour Pointe | 2 | 0 | $627,000 | $429,000 |
| The Marseilles | 1 | 0 | $1,490,000 | $1,490,000 |
| Country Club Place | 1 | 0 | $1,298,000 | $1,298,000 |
| Key West | 1 | 0 | $1,200,000 | $1,200,000 |
| Lands End | 1 | 0 | $1,100,000 | $1,100,000 |
| Emerald Isle | 1 | 0 | $1,069,000 | $1,069,000 |
| Grandview Sunset | 1 | 0 | $999,000 | $999,000 |
| Port Royal | 1 | 0 | $899,000 | $899,000 |
| The Cove | 1 | 0 | $899,000 | $899,000 |
| The Preserve At Crown Point | 1 | 0 | $675,000 | $675,000 |
| Soaring | 1 | 0 | $599,000 | $599,000 |
| Innerarity Shores | 1 | 0 | $575,000 | $575,000 |
| Galia | 1 | 0 | $449,500 | $449,500 |
| Heron Bayou | 1 | 0 | $399,999 | $399,999 |
| Docks On Old River | 1 | 0 | $399,000 | $399,000 |
| Vintage Creek | 1 | 0 | $385,000 | $385,000 |
| Grand Caribbean At Perdido Key | 1 | 0 | $327,000 | $327,000 |
Explore more of Pensacola
- Gated Communities in Escambia County
- New Construction Communities in Pensacola
- Condo Communities in Pensacola
- Find the best agent in Pensacola
- Best neighborhoods in Pensacola
Run the numbers in Escambia County
- Find the best agent in Escambia County
- Get a cash offer in Escambia County
- Escambia County housing scorecard
- What would selling net you
- Buyer closing costs calculator
Common questions
How many gated communities does Pensacola, FL have?
What do homes in Pensacola gated communities cost?
How does Momentum classify a community as one of the gated communities?
How much is home insurance in Escambia County?
What are property taxes like in Escambia County?
Community classifications are compiled from MLS-reported amenities, verified amenity records and MLS build-year data, as of 2026-06-16; they are informational, change over time, and are deemed reliable but not guaranteed — verify details with each association. Not an offer of housing to any protected class to the exclusion of others. Equal Housing Opportunity.