Listing data updated October 12, 2026 at 4:41 AM ET · checked against the MLS hourly
3Bedrooms
2.5Bathrooms
1,808Sq Ft
2012Year Built
$147Per Sq Ft
2-car garageNo CDD on recordFEMA Zone X
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.
18% below
$/sq ft vs community
$147 here vs $180 median sold (12 mo)
Buyer leverage
Balanced market
76 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~115 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 12, 2026, 1174 Wetherby Rd in Wetherby Cove, Pensacola is listed at $265,000 (1,808 sq ft, about $147 per sq ft). That is 19% below Wetherby Cove's median closed sale of $326,850 over the last 12 months (2 recorded sales). Per square foot it is below the community's recent $180/sq ft by about 18%. It has been 76 days on market. Listing facts: built in 2012, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2012 · 14 yrs
1,808 sq ft of living area
2-car garage
Listed at $265,000 — recent neighborhood median sale price ~$326,850 (nearby sales; deemed reliable, not an appraisal)
76 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
This beautiful 2-story residence offers a peaceful retreat with all the space and amenities you need. Three spacious bedrooms located upstairs, including a large master suite featuring a generous size master bathroom and two walk-in closets. The additional bedrooms are well-sized at 12x13 and 12x19, perfect for family or guests.
Enjoy an expansive living room measuring 15x23, adorned with three large windows that flood the space with natural light, creating a warm and inviting atmosphere. The galley kitchen is equipped with stainless steel appliances and ample cabinetry, making it a joy to cook and entertain. The dining room, measuring 9x9, boasts a large window, offering a lovely view of the backyard.
The laundry room and a convenient half bath for guests are located downstairs, enhancing the functionality of the living space. Step outside to a large, privacy-fenced backyard—ideal for family gatherings, gardening, or simply enjoying the tranquility of your surroundings. The 2-car garage provides plenty of storage and convenience.
This home is located in a friendly cul-de-sac with no HOA fees, giving you the freedom to personalize your home as you wish. Sellers are offering a flooring allowance and roof will be replaced before closing
All 31 photos
Description provided by Better Homes And Gardens Real Estate Main Street Properties and reproduced from the MLS; not independently verified.
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$265,000
Bed / bath3 / 2.5
Living area1,808 sq ft
Year built2012
Property typeSingle Family Residence
Garage2-car
MLS #686180
Listing status76 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~115 ft
CountyEscambia - Fl
Area listings0 active · 0 under contract
Estimated first-year tax~$2,782/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$147
Estimated monthly payment$1,795
Insurance (illustrative)$1k–$2k/yr
Messtimate range$300,128 – $363,408
Comparable-sales median$326,850
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
$1,795/mo
Principal & interest $1,468/mo82%
Taxes $232/mo13%
Insurance $96/mo5%
$1,795/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
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.
$256,367
Market value
$130,264
Assessed
$79,542
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: county. 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.
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
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$1k–$2k/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 insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~115 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
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 · Wetherby Cove
Pricing & the Wetherby Cove market
How this home is priced against recent nearby sales, and where Wetherby Cove 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.
Price vs. size in Wetherby Cove
Each dot is a closed sale since 2008 (85 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Pensacola MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2018–2024. This home lists at $147/sq ft.
Median sale price by year
12-month median closed price, 2012–2024.
Property timeline
This home’s history
2012BuiltPer public record
About Jul 2026Listed (per MLS)MLS reports 76 cumulative days on market as of October 12, 2026
Aug 4, 2026First seen on movewithmomentum.comObserved at $280,000
Sep 9, 2026Price cut$273,000 (-$7,000, -2.5%)
Oct 4, 2026Price cut$265,000 (-$8,000, -2.9%)
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 $265,000Momentum Realty · on market 76 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
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 Nov 2025
$316,900
9640 Hummingbird Blvd, Pensacola
3 / 2 bd/ba · 1,810 sq ft · $175/sq ft
Courtesy of Bay Living, Inc. · View details →
Sold Mar 2026
$299,900
2543 Pine Forest Rd, Cantonment
3 / 2 bd/ba · 1,810 sq ft · $166/sq ft
Courtesy of CENTURY 21 AMERISOUTH REALTY · View details →
Sold Jul 2026
$289,900
1007 Patriot Pl, Pensacola
3 / 2 bd/ba · 1,803 sq ft · $161/sq ft
Courtesy of Levin Rinke Realty · View details →
Sold Feb 2026
$336,800
3330 Bliss Ln #12A, Cantonment
4 / 2.5 bd/ba · 1,817 sq ft · $185/sq ft
Courtesy of ADAMS HOMES REALTY, INC · View details →
Sold Nov 2025
$385,590
3151 Camphor Rd #2 (lot #), Pensacola
3 / 2 bd/ba · 1,820 sq ft · $212/sq ft
Courtesy of DSLD Homes Florida LLC · View details →
Sold Oct 2025
$365,005
3140 Camphor Rd #19 (lot #), Pensacola
3 / 2 bd/ba · 1,820 sq ft · $201/sq ft
Courtesy of DSLD Homes Florida LLC · View details →
Median of these 6 sales: $326,850 ($180/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$300,128the mess$363,408
Stronger local evidence — 6 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $265,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 21% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
1 active listing competing
For reference, this home is listed at $265,000 ($147/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,808 sq ft × $166–$201/sq ft (interquartile band of 6 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 12, 2026.
Momentum Scores
Momentum Property Score
88/100
Strongest on: Price vs area (96), Flood safety (95)
0 limited50100 exceptional
88/100 is exceptional across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area96
This home $147/sq ft vs the community 12-month median $180/sq ft.
Affordability82
List price $265,000 vs the community median $326,850. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~115 ft elevation. Verify the parcel with FEMA.
Insurance cost77
From FEMA Zone X and a 2012 build. Obtain a property-specific quote.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $147 per square foot, about 18% below the community’s $180 median. Wetherby Cove’s 12-month median sold price per square foot is $180. Confidence: Low · 2 closed sales in 12 monthsMLS facts: Pensacola MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Updated October 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Better Homes And Gardens Real Estate Main Street Properties · MLS # 686180
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Keep looking
Similar homes for sale near Wetherby Cove
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 · Development
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 2 miles west of Wetherby Cove.
Pensacola mayor says new airport terminal construction starts next week
At a September 17 briefing, Mayor D.C. Reeves said the notice to proceed for the new terminal at Pensacola International Airport would be issued the following week, with site preparation starting shortly after. He described it as a nine-figure investment. A separate 600-space parking expansion still needs construction funding.
Why it matters: Terminal construction signals added air-travel capacity at the airport and construction activity near the airport corridor. The site is about 7 miles southeast of Wetherby Cove.
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 - Fl 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.
Lincoln ParkAssigned elementary school · Escambia - Fl County School District
BEULAHAssigned middle school · Escambia - Fl County School District
TateAssigned high school · Escambia - Fl County School District
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 1174 Wetherby Rd, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2012: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Escambia - Fl County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,808 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 $2,782/yr) assumes reassessment at the list price; the seller's current bill is not a guide 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: October 12, 2026)
Comparable sales
Pensacola MLS closed sales within about 3 miles, last 18 months, as of July 13, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Typical county effective rate applied to the list price; 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 1174 Wetherby Rd and when was it built?
Per the listing record, 1174 Wetherby Rd was built in 2012 and has 1,808 sq ft of living area, 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 1174 Wetherby Rd in?
1174 Wetherby Rd is in Wetherby Cove in Pensacola, Escambia - Fl County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 1174 Wetherby Rd have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 1174 Wetherby Rd differ from the current owner's?
The estimate on this page (about $2,782 per year) assumes reassessment at the list price less the homestead exemption. 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 1174 Wetherby Rd in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and 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 1174 Wetherby Rd in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
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.
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 and we will review and correct or remove it promptly.
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.
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.
