listed Sep 30, 2026Single Family Residence▼ Price cut: $5,000 (10/23)
$420,000
4-Bedroom Home in Osprey Place
11560 Belize Dr, Pensacola, FL 32506
Single Family Residence in Osprey Place, Pensacola
Osprey Place · Pensacola, FL 32506 · Escambia County
Listing data checked against the MLS November 12, 2026 at 11:34 AM ET · rechecked hourly
Listed by REALTY MASTERS (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
4Bedrooms
3Bathrooms
3,137Sq Ft
2011Year Built
$134Per Sq Ft
2-car garage4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
23% below
$/sq ft vs community
$134 here vs $175 median sold (12 mo)
Buyer leverage
Balanced market
42 days on market
6.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1.5k–$2.5k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
11560 Belize Dr in Osprey Place, Pensacola is listed at $420,000 (3,137 sq ft, about $134 per sq ft). It has been listed Sep 30, 2026. Listing facts: built in 2011, HOA dues of $14/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
Built 2011 · 15 yrs
3,137 sq ft of living area
2-car garage
Listed at $420,000 — recent neighborhood median sale price ~$516,000 (nearby sales; deemed reliable, not an appraisal)
listed Sep 30, 2026
HOA $14/mo (per listing)
Listing description
About this home
Welcome to this beautifully refreshed Craftsman-style home in Southwest Pensacola, conveniently located near NAS Pensacola and Perdido Key beaches! Situated on a spacious lot, this home features a huge open front porch, a fully fenced backyard, and plenty of room for comfortable living and entertaining. Inside, you’ll find fresh paint, new luxury vinyl plank flooring throughout and new carpet in all four bedrooms.
The welcoming foyer opens to a large office on the left, followed by a spacious dining room with tall ceilings and plenty of room for a large dining table. The oversized living room features tall ceilings, built-in plant ledges, an updated ceiling fan, and a back door providing easy access to the backyard. The open-concept kitchen and breakfast nook create a great space for everyday living and entertaining.
The kitchen has been updated with fresh white cabinets, new granite countertops, stainless steel appliances, a large standalone island, and an abundance of cabinet and counter space. Just off the kitchen, you’ll find the two-car garage, a large pantry, a separate laundry room, and an additional back door for convenient access. The spacious primary suite offers carpeted floors, tray ceilings, and plenty of room for a king-size bedroom set.
The attached bathroom features two walk-in closets, a garden tub, double sink vanity, and a separate walk-in shower. Down the hallway are three additional spacious bedrooms, a hall bathroom with a standing shower, and another full bathroom with a tub/shower combination—providing plenty of space and flexibility for family and guests. Outside, the fully fenced backyard offers plenty of room for pets, play, gardening, or entertaining.
With its thoughtful updates, spacious layout, and convenient location, this home is move-in ready and waiting for its next owner!
All 56 photos
Description provided by REALTY MASTERS and reproduced from the MLS; not independently verified.
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Jun 2026
$679,500
3302 Nighthawk Ln, Pensacola
3 / 3 bd/ba · 3,013 sq ft · $226/sq ft
· View details →
Sold May 2026
$469,999
11525 Belize Dr, Pensacola
4 / 3 bd/ba · 2,963 sq ft · $159/sq ft
Courtesy of Levin Rinke Realty · View details →
Sold Aug 2026
$420,000
11530 Belize Dr, Pensacola
4 / 3 bd/ba · 2,962 sq ft · $142/sq ft
Courtesy of The Realty Vault · View details →
Sold Nov 2025
$562,000
12806 Island Spirit Dr, Pensacola
4 / 3.5 bd/ba · 2,946 sq ft · $191/sq ft
· View details →
Sold Oct 2026
$345,000
7934 Castle Pointe Way, Pensacola
3 / 2 bd/ba · 2,853 sq ft · $121/sq ft
· View details →
Sold Jul 2026
$800,000
13008 Island Spirit Dr, Pensacola
4 / 2.5 bd/ba · 2,839 sq ft · $282/sq ft
· View details →
Median of these 6 sales: $516,000 ($175/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$420,000
Bed / bath4 / 3
Living area3,137 sq ft
Year built2011
Property typeSingle Family Residence
Garage2-car
MLS #689713
Listing statuslisted Sep 30, 2026
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
CountyEscambia
Area listings0 active · 0 under contract
Estimated first-year tax~$6,500/yr
CDD assessmentNone on record
HOA$14/mo
Calculated estimates
Price per sq ft$134
Estimated monthly payment$2,986
Insurance (illustrative)$1.5k–$2.5k/yr
Messtimate range$445,454 – $708,962
Comparable-sales median$516,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$2,986/mo
Principal & interest $2,276/mo76%
Taxes $542/mo18%
Insurance $154/mo5%
HOA $14/mo0%
$2,986/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Escambia County rate (17.54 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $4,200/yr ($350/mo) — taxable value $238,931 × 17.54 mills
$2,300 more each year
(+55%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$184,998
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$423,929
Market value
$289,653
Assessed
$238,931
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Pensacola MLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 11560 Belize Dr
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $4,200/yr (certified county roll, taxable value × millage). Buy at the asking price of $420,000 and the first-year bill resets to about $6,500/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 17.54 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
HOA dues
$14/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insurance
The average Citizens Property Insurance premium in Escambia County is $2,364/yr (1,026 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,500–$2,500/yr; neither is a quote.
Roof and age
Built in 2011. An original roof would be about 15 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $753/month (tax $542, HOA $14, insurance $197). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
Not reported
The MLS listing does not report a CDD amount. Many Florida communities have one; it shows on the county tax bill — confirm with the tax collector or the listing agent.
Insurance (illustrative range)
$1.5k–$2.5k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$14/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Escambia County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Escambia County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively Moderate
LightningVery High
Strong windRelatively Low
DroughtRelatively Low
HailRelatively Low
Cold waveRelatively Moderate
Winter weatherRelatively Moderate
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Osprey Place Pensacola
Pricing & the Osprey Place Pensacola market
How this home is priced against recent nearby sales, and where Osprey Place Pensacola has been over 25 years. Momentum Research analysis of Pensacola MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
2011BuiltPer public record
About Sep 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Sep 30, 2026)
Sep 30, 2026First seen on our siteObserved at $425,000
Oct 23, 2026Price cut$420,000 (-$5,000, -1.2%)
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $420,000REALTY MASTERS · listed Sep 30, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
🟡 Asking $134 per square foot, about 23% below the community’s $175 median. Osprey Place Pensacola’s 12-month median sold price per square foot is $175. MLS facts: Pensacola MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Checked against the MLS November 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by REALTY MASTERS · MLS # 689713
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Keep looking
Similar homes for sale near Osprey Place
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Market
Hurricane Isaias cleanup keeps debris, construction and roofing hiring strong across Northwest Florida
CareerSource Escarosa says demand for debris removal, construction and roofing workers has stayed steady since the storm and should remain elevated for at least six more months. Pensacola's contractor estimates about three weeks remain for the first pass of debris collection, and the area's unemployment rate has fallen since July.
Why it matters: Near-term demand for trades and cleanup labor supports local payrolls, while contractor availability for home repairs and renovation may stay tight through spring. The site is about 4 miles south of Osprey Place Pensacola.
Escambia schools plan to close Lincoln Park Elementary and redraw attendance zones
Escambia County Public Schools plans to close Lincoln Park Elementary because enrollment is below 300, with state data showing 202 students for 2025-26. A zoning advisory committee was asked to redraw boundaries, with Brentwood Elementary (397 students) and Ensley Elementary (465 students) named as likely receiving schools. The article is an opinion piece that reports these district figures.
Why it matters: Attendance zone changes could alter school assignments, bus routes and daily travel for households around the affected Pensacola-area campuses. The site is about 3 miles west of Osprey Place Pensacola.
Pensacola opens public vote on Fricker Center playground design
Public voting on the new playground design for the Fricker Resource Center in Pensacola runs October 2 through October 23, 2026. The playground is part of a $9.5 million Fricker Resource Center renovation funded by 2023 grant money and some Local Option Sales Tax funds. The renovated center is scheduled to reopen in summer 2027.
Why it matters: A renovated community center and new playground would add recreation amenities for nearby Pensacola residents when it reopens in 2027. The site is about 4 miles south of Osprey Place Pensacola.
Escambia Planning Board to hear rezoning for 540-acre Outlying Fields site in Beulah
The Escambia County Planning Board was set to hear rezoning and land-use changes on October 6 for the former Navy Outlying Landing Field 8 next to the Navy Federal Credit Union campus. The roughly 540-acre plan includes 1,000 to 1,500 housing units, 23 acres for health-related facilities along Nine Mile Road, retail and restaurants, and an Employment, Technology and Innovation district. County staff found the changes consistent with the comprehensive plan, and FDOT expects no added trip generation.
Why it matters: The plan would add housing, commercial space and employer land in the Beulah area near Nine Mile Road, which could change local retail access, commute patterns and housing supply. The site is about 7 miles northwest of Osprey Place Pensacola.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Escambia County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Blue AngelsAssigned elementary school · Escambia County School District · Grade A (Florida DOE 2025-26)
BAILEYAssigned middle school · Escambia County School District
GRADEC
EscambiaAssigned high school · Escambia County School District · Grade C (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 11560 Belize Dr, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2011 (15 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $14/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Escambia County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 3,137 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $6,500/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,300 more per year than the current owner’s estimated bill (+55%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
Pensacola MLS, checked against the MLS hourly (last: November 12, 2026)
Comparable sales
Pensacola MLS closed sales within about 3 miles, last 18 months, as of August 10, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Pensacola MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 11560 Belize Dr and when was it built?
Per the listing record, 11560 Belize Dr was built in 2011 and has 3,137 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 11560 Belize Dr in?
11560 Belize Dr is in Osprey Place in Pensacola, Escambia County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 11560 Belize Dr have an HOA, and how much are the dues?
The listing reports HOA dues of $14 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 11560 Belize Dr differ from the current owner's?
The estimate on this page (about $6,500 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,300 more per year than the current owner’s estimated bill (+55%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 11560 Belize Dr in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 11560 Belize Dr in person
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Multiple Listing Service of the Pensacola Association of REALTORS®. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent.
Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Multiple Listing Service of the Pensacola Association of REALTORS®.
Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited. All rights reserved.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
