154 Ethel Wingate Dr #510, Pensacola, FL 32507
Sources: Pensacola MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
154 Ethel Wingate Dr #510 in Harbour Pointe, Pensacola is listed at $615,000 (2,164 sq ft, about $284 per sq ft). It came to market within the past week. Listing facts: built in 2006, waterfront, HOA dues of $1,031/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.
- Built 2006 · 20 yrs
- 2,164 sq ft of living area
- Listed at $615,000 — recent neighborhood median sale price ~$1,005,500 (nearby sales; deemed reliable, not an appraisal)
- Active listing
- HOA $1,031/mo (per listing)
About this home
A TRUE BOATER’S PARADISE AT HARBOUR POINTE! OFFERING ONE OF THE MOST INCREDIBLE VIEWS ALONG THE COAST, THIS PRIVATE END-UNIT ON THE 5TH FLOOR OVERLOOKS SWEEPING INTRACOASTAL WATERWAY VIEWS STRETCHING TO PENSACOLA BEACH, PERDIDO KEY, AND THE GULF! This beautifully designed 3-bedroom, 3-bath condo also includes a versatile bunk/bonus room, offering flexible space for guests, family, or storage.
As you step inside, you'll be welcomed by an abundance of natural light and an open great room and dining area framed by captivating water views. Thoughtfully designed with two ensuite bedrooms, the layout provides both privacy and comfort, ideal for hosting or simply unwinding. The waterfront primary suite is a true highlight, complete with private balcony access to enjoy morning coffee, sunset skies, and even watch the Blue Angels practice overhead, along with an ensuite bath featuring double vanities, a jetted tub, and a separate shower.
A second primary suite welcomes you at entry with warm western exposure and its own ensuite, while the third bedroom plus bonus/bunk room ensure plenty of room for everyone. The well-appointed kitchen features granite countertops, tile flooring, and everything you need for easy coastal living or entertaining at the breakfast bar. Harbour Pointe offers an impressive array of resort-style amenities, including a waterfront pool and hot tub, fitness center, library, community room, community beach area, and a community pier perfect for fishing or simply taking in the view.
Boat slips are available for purchase for those who want direct water access. Whether you're searching for a second home, vacation retreat, or income-producing property, with rentals allowed as short as 7 days, this condo offers the ideal blend of comfort, views, and lifestyle. Your dream coastal lifestyle awaits!
All 48 photos
Description provided by Levin Rinke Realty and reproduced from the MLS; not independently verified.
Comparable recent sales
4 closed sales within about 10 miles in Escambia - Fl County 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 4 sales: $1,005,500 ($532/sq ft). Directional only — a small or wide-radius sample. Shown for general reference only — not an appraisal or a statement of this home’s value.
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 $3,333/mo 65%
- Taxes $538/mo 10%
- Insurance $248/mo 5%
- HOA $1,031/mo 20%
$5,150/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollCertified 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.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
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.
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.
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)
Internet & broadband — how to check availability for this address
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 Harbour Pointe market
How this home is priced against recent nearby sales, and where Harbour Pointe 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
- 2006BuiltPer public record
- Oct 20, 2026First seen on our siteObserved at $615,000
- 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
Momentum Property Score
91/100 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.
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.
The Momentum read
🟡 Asking $284 per square foot, about 47% below the community’s $532 median. Harbour Pointe’s 12-month median sold price per square foot is $532. 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
Checked against the MLS November 9, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Levin Rinke Realty · MLS # 690292
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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.
Newest listings in Harbour Pointe
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- 608 Calderwood Ct · $269,900 · 3 bd / 2.0 ba · listed November 8, 2026 (courtesy of Bastion Realty LLC)
- 7961 Perth Ave · $285,000 · 3 bd / 2.0 ba · listed November 8, 2026 (courtesy of KELLER WILLIAMS REALTY GULF COAST)
- 1044 Isabella Rd · $134,900 · 3 bd / 2.0 ba · listed November 7, 2026 (courtesy of COTTON REAL ESTATE)
- 9820 Fowler Ave · $275,000 · 3 bd / 2.0 ba · listed November 6, 2026 (courtesy of Poppy Properties LLC)
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
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 - 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.
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.
Amenities and HOA/CDD detail on the neighborhood guide.
View →What homes sell for in 32507 — recent sale prices by community.
View →Median price, days on market and supply from MLS data.
View →Buyer research checklist
Items worth confirming for 154 Ethel Wingate Dr #510, 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 - Fl 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 2,164 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 $6,458/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: November 9, 2026) |
| Comparable sales | Pensacola MLS closed sales within about 10 miles in Escambia - Fl County, last 18 months, as of November 9, 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.
Frequently asked questions
How big is 154 Ethel Wingate Dr #510 and when was it built?
Per the listing record, 154 Ethel Wingate Dr #510 was built in 2006 and has 2,164 sq ft of living area, 3 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 154 Ethel Wingate Dr #510 in?
154 Ethel Wingate Dr #510 is in Harbour Pointe in Pensacola, Escambia - Fl County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 154 Ethel Wingate Dr #510 have an HOA, and how much are the dues?
The listing reports HOA dues of $1,031 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 #510 differ from the current owner's?
The estimate on this page (about $6,458 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 #510 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.
See 154 Ethel Wingate Dr #510 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.
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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. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
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.