154 Ethel Wingate Dr #506, Pensacola, FL 32507
Sources: Pensacola MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 1, 2026, 154 Ethel Wingate Dr #506 in Harbour Pointe, Pensacola is listed at $539,900 (1,478 sq ft, about $365 per sq ft). That is 17% below Harbour Pointe's median closed sale of $652,000 over the last 12 months (3 recorded sales). Per square foot it is above the community's recent $306/sq ft by about 19%. It came to market within the past week. Listing facts: built in 2006, waterfront, HOA dues of $756/mo. 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 2006 · 20 yrs
- 1,478 sq ft of living area
- Active listing
- HOA $756/mo (per listing)
About this home
Harbour Pointe – Unit 506 | Exceptional Waterfront Living Experience refined coastal living in this beautifully updated 5th-floor residence at Harbour Pointe—one of Pensacola’s premier Intracoastal communities. This unit blends modern upgrades with serene water views, offering comfort, style, and long-term value. From your private balcony and living spaces, enjoy daily vistas of the Intracoastal Waterway, Johnson Beach, and the Gulf—sunrises, sailboats, dolphins, and the Blue Angels create a breathtaking backdrop year-round.
Interior Features & Upgrades Premium tile flooring installed in 2021 — current value $35,000–$40,000, New AC system (2023), New hot water heater (2026), Storm shutters (2022), Custom-built vanity cabinets in both the primary and guest bathrooms, New bathroom vanities, mirrors & lighting, Fresh paint in primary & guest bathrooms (2026), Kitchen cabinets have been professionally refinished and painted, Appliances updated in 2023, Quartz countertops in kitchen and both bathrooms (2026), Custom laundry room cabinet, Custom-built shelving in both linen closets, Interior paint refresh (2022), Every improvement has been thoughtfully selected for durability, function, and aesthetic appeal—ideal for full-time living, a second home, or a high-demand investment property. Community Amenities Resort-style pool & hot tub Modern fitness center, library & TV lounge. Elegant lobby & meeting room.
Private fishing pier., Boat docks (slips available for purchase). Pet-friendly park & secluded beach area. Well-managed HOA with ongoing community enhancements.
Location Perfectly situated near top restaurants, golf courses, marinas, shopping, and the sugar-white beaches of Perdido Key. Harbour Pointe offers peaceful waterfront living with unmatched convenience. VA financing approved.
This is your opportunity to own a beautifully upgraded, move-in-ready slice of paradise. Call today to schedule your private showing of Harbour Pointe Unit 506.
All 45 photos
Description provided by Goode 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
Estimated monthly payment
- Principal & interest $2,882/mo 67%
- Taxes $472/mo 11%
- Insurance $217/mo 5%
- HOA $756/mo 17%
$4,328/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.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
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.
This home’s history
- 2006BuiltPer public record
- Oct 1, 2026First seen on movewithmomentum.comObserved at $539,900
- 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
No closed sales of a similar home within about 10 miles in Escambia County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for Harbour Pointe. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Escambia County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Methodology: the range would be 1,478 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 1, 2026.
Momentum Property Score
61/100 is solid, mid-pack 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.
Coverage: 6 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.
The Momentum read
🟡 Asking $365 per square foot, about 19% above the community’s $306 median. Harbour Pointe’s 12-month median sold price per square foot is $306. 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 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Goode Realty · MLS # 689763
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Similar homes for sale near Harbour Pointe
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.
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More on Harbour Pointe
Go deeper on Harbour Pointe
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 →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 154 Ethel Wingate Dr #506, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2006 (20 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.
- 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 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 1,478 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 $5,669/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, refreshed hourly (last: October 1, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Escambia County — no medians or automated estimate shown |
| 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.
Frequently asked questions
How big is 154 Ethel Wingate Dr #506 and when was it built?
Per the listing record, 154 Ethel Wingate Dr #506 was built in 2006 and has 1,478 sq ft of living area, 3 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 154 Ethel Wingate Dr #506 in?
154 Ethel Wingate Dr #506 is in Harbour Pointe in Pensacola, Escambia County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 154 Ethel Wingate Dr #506 have an HOA, and how much are the dues?
The listing reports HOA dues of $756 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 154 Ethel Wingate Dr #506 differ from the current owner's?
The estimate on this page (about $5,669 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 154 Ethel Wingate Dr #506 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.
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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.