14100 River Rd #114-A, Perdido Key, FL 32507
Sources: Pensacola MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 29, 2026, 14100 River Rd #114-A in Holiday Harbor, Perdido Key is listed at $249,900 (1,157 sq ft, about $216 per sq ft). It has been 181 days on market. Listing facts: built in 1986, waterfront, HOA dues of $700/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1986 · 40 yrs
- 1,157 sq ft of living area
- 181 days on market
- HOA $700/mo (per listing)
This home’s history
- 1986BuiltPer public record
- Sep 30, 2026First trackedObserved at $249,900 · 181 days on market
- NowActiveCurrently for sale
Build year is from public record. Listing 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.
Estimated monthly payment
- Principal & interest $1,334/mo 56%
- Taxes $219/mo 9%
- Insurance $136/mo 6%
- HOA $700/mo 29%
$2,388/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Based on certified county tax rollMany first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Adjust for your exemptions, portability, and down payment
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.
Sources: Florida DOR certified tax roll (2025), Pensacola MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
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.
Momentum Property Score
49/100 is below average 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.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 1092.0 months of supply in the surrounding market and 181 days on market for this home, against a 48-day area median.Days on market:this home 181Area median: 48 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by Pensacola MLS. As of September 29, 2026.
🟡 Asking $216 per square foot, about in line with the community’s $216 median. Holiday Harbor’s 12-month median sold price per square foot is $216. 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 September 29, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
PROFESSIONAL PHOTOS COMING SOON! Don’t miss this opportunity to own a spacious 2-bedroom, 2-bath condo directly on the harbor in Perdido Key. Enjoy beautiful sunset and water views from your balcony, with steps leading straight down to the dock—perfect for boat lovers.
The marina is literally in your backyard, making it easy to hop on the water anytime. The public beach access is just a short walk or bike ride away, complete with a beachfront parking lot. Right next door, stroll over to Sunset Grille for lunch or dinner while soaking in those stunning evening sunsets.
This low-density complex is conveniently located off River Road and offers a community pool, bike storage building, and a grill and picnic area. The condo is on the lower floor with only a few steps for easy access. The same owners have owned this unit since shortly after it was built.
With a little TLC, this condo is priced to allow you to update and make it your own, while already featuring new kitchen cabinets. A full-size washer and dryer are included, along with all furniture and furnishings, making this a truly turnkey opportunity. All new windowsL & LVT flooring in living, hall, and guest bedroom.
Rental restriction: 1-month minimum, making it ideal as a primary residence, second home, or long-term rental. HOA FEES ARE 700.00 MONTH. Priced to sell—don’t wait!
Call today to schedule your private showing.
All 14 photos
Description provided by HomeSmart Sunshine Realty 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
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.
Actual list price: $249,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1986 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
- The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — this home carries HOA dues of $700/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
- 637 active listings competing, 240 under contract
- 7 closed here in the last 12 months
For reference, this home is listed at $249,900 ($216/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 1,157 sq ft × $190–$242/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 29, 2026.
Similar homes for sale near Holiday Harbor
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.
Newest listings in Holiday Harbor
- 4582 Resmondo Ln · $385,500 · 3 bd / 2.0 ba · listed September 29, 2026 (courtesy of Gulf Coast Home Experts, LLC)
- 1211 W 9 1/2 Mile Rd · $370,000 · 3 bd / 2.5 ba · listed September 29, 2026 (courtesy of Beycome of Florida, LLC)
- 13351 Johnson Beach Rd #106E · $297,500 · 1 bd / 1.0 ba · listed September 29, 2026 (courtesy of POINTE SOUTH)
- 610 W La Rua St · $297,900 · 2 bd / 2.0 ba · listed September 29, 2026 (courtesy of Manderson Realty Group)
- 513 W Wright St · $950,000 · 3 bd / 2.5 ba · listed September 29, 2026 (courtesy of Levin Rinke Realty)
- 3208 Silverleaf Dr · $471,000 · 4 bd / 3.0 ba · listed September 29, 2026 (courtesy of KELLER WILLIAMS REALTY GULF COAST)
Price & listing history
Building permits
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.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by HomeSmart Sunshine Realty · MLS # 677378
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Recent sales activity in Holiday Harbor
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Holiday Harbor neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Holiday Harbor
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.
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 →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Just listed: new homes for sale in the Pensacola area in the last 48 hours · updated hourly · RSS · The Pensacola area market today: new listings, price cuts, pendings
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 14100 River Rd #114-A, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1986 (40 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
- 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.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 1,157 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 $2,624/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | Pensacola MLS, refreshed hourly (last: September 29, 2026) |
| Community market stats | Pensacola MLS closed sales, as of September 29, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| 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 14100 River Rd #114-A and when was it built?
Per the listing record, 14100 River Rd #114-A was built in 1986 and has 1,157 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 14100 River Rd #114-A in?
14100 River Rd #114-A is in Holiday Harbor in Perdido Key, Escambia County. The community section on this page shows recent closed sales, days on market, and active inventory for Holiday Harbor from the same MLS data.
Does 14100 River Rd #114-A have an HOA, and how much are the dues?
The listing reports HOA dues of $700 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 14100 River Rd #114-A differ from the current owner's?
The estimate on this page (about $2,624 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 14100 River Rd #114-A 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.
See 14100 River Rd #114-A in person
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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 a typical county millage rate to the list price 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.
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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.