12186 Gulf Beach Hwy, Pensacola, FL 32507
As of October 14, 2026, 12186 Gulf Beach Hwy in Grande Lagoon North, Pensacola is listed at $315,000 (1,452 sq ft, about $217 per sq ft). It came to market within the past week. Listing facts: built in 1980, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1980 · 46 yrs
- 1,452 sq ft of living area
- 2-car garage
- Listed at $315,000 — recent neighborhood median sale price ~$358,500 (nearby sales; deemed reliable, not an appraisal)
- Active listing
- No HOA reported by the listing (confirm)
About this home
Located near the beaches of Perdido Key and across the street from Big Lagoon State Park, this extensively remodeled two-bedroom, two-bath home offers 1,452 square feet of thoughtfully updated living space. A circular driveway, inviting landscaping, and a refreshed exterior create a welcoming first impression. Inside, luxury vinyl plank flooring extends throughout the home, while an open floor plan and recessed lighting connect the spacious living, dining, and kitchen areas.
A white brick fireplace wall with a wood-burning fireplace adds a distinctive focal point to the living room. The kitchen features contemporary white and coastal blue cabinetry, quartz countertops, brushed gold fixtures, stainless steel appliances, generous counter space, and an oversized island with seating. Sliding glass doors in the adjoining dining area open to the backyard, making indoor and outdoor gatherings easy.
The spacious primary bedroom includes a walk-in closet and a renovated en-suite bath with quartz countertops, an oversized walk-in shower, subway tile, a rainfall showerhead, and a recessed niche. The second bedroom also offers a walk-in closet, with an updated full bath featuring quartz countertops conveniently located off the hallway. An indoor laundry closet and an oversized two-car garage with shelving provide everyday convenience and additional storage.
Outside, mature trees shade a large fenced backyard with a patio and a separate fire pit conversation area. The generous lot offers space for gardening, outdoor activities, or expanding the outdoor living area. The 2023 remodel included interior and exterior paint and replacement of the air-conditioning ductwork, while the roof was replaced in November 2020.
With its inviting outdoor spaces, beautifully updated interior, and proximity to the park and Perdido Key beaches, this home offers a relaxed coastal setting with room to gather and unwind.
All 39 photos
Description provided by Better Homes And Gardens Real Estate Main Street Properties and reproduced from the MLS; not independently verified.
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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $1,745/mo 80%
- Taxes $276/mo 13%
- Insurance $171/mo 8%
$2,191/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
What it really costs to own 12186 Gulf Beach Hwy
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.
| HOA dues | The listing states there is no HOA. |
|---|---|
| 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–$3,000/yr; neither is a quote. |
| Roof and age | Built in 1980. An original roof would be about 46 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. |
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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.
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.
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
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Grande Lagoon North market
How this home is priced against recent nearby sales, and where Grande Lagoon North 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.
This home’s history
- 1980BuiltPer public record
- Oct 14, 2026First seen on movewithmomentum.comObserved at $315,000
- 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.
Price & listing history
Building permits
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.
Median of these 6 sales: $358,500 ($241/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Momentum read
🟡 Asking $217 per square foot, about 10% below the community’s $241 median. Grande Lagoon North’s 12-month median sold price per square foot is $241. 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.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 14, 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 # 690123
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More on Escambia County
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Assigned schools
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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Buyer research checklist
Items worth confirming for 12186 Gulf Beach Hwy, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1980 (46 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- 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 1,452 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 $3,308/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.
Data sources & freshness
| Listing record | Pensacola MLS, checked against the MLS hourly (last: October 14, 2026) |
| Comparable sales | Pensacola MLS closed sales within about 3 miles, last 18 months, as of October 14, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| 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.
Frequently asked questions
How big is 12186 Gulf Beach Hwy and when was it built?
Per the listing record, 12186 Gulf Beach Hwy was built in 1980 and has 1,452 sq ft of living area, 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 12186 Gulf Beach Hwy in?
12186 Gulf Beach Hwy is in Grande Lagoon North in Pensacola, Escambia County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 12186 Gulf Beach Hwy 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 12186 Gulf Beach Hwy differ from the current owner's?
The estimate on this page (about $3,308 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 12186 Gulf Beach Hwy 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.
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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.
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Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.