16298 North Shore Dr, Pensacola, FL 32507
Sources: Pensacola MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 9, 2026, 16298 North Shore Dr in Innerarity Island, Pensacola is listed at $850,000 (2,547 sq ft, about $334 per sq ft). That is 50% above Innerarity Island's median closed sale of $565,000 over the last 12 months (7 recorded sales). Per square foot it is above the community's recent $246/sq ft by about 36%. It has been 197 days on market, longer than the community's typical 117 days to contract. Listing facts: built in 1987, waterfront, HOA dues of $40/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1987 · 39 yrs
- 2,547 sq ft of living area
- 2-car garage
- Listed at $850,000 — recent neighborhood median sale price ~$565,000 (nearby sales; deemed reliable, not an appraisal)
- 197 days on market
- HOA $40/mo (per listing)
Pricing & the Innerarity Island market
How this home is priced against recent nearby sales, and where Innerarity Island 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 Innerarity Island
Each dot is a closed sale since 2005 (165 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, 2018–2026. This home lists at $334/sq ft.
Median sale price by year
12-month median closed price, 2013–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 25 (cold).
This home’s history
- 1987BuiltPer public record
- Jul 2, 2026First trackedObserved at $850,000
- 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 $4,392/mo 78%
- Taxes $744/mo 13%
- Insurance $455/mo 8%
- HOA $40/mo 1%
$5,631/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Based on certified county tax rollAdjust 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.
Momentum Property Score
37/100 is limited 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. 15.4 months of supply in the surrounding market and 197 days on market for this home, against a 117-day area median.Days on market:this home 197Area median: 117 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. Copyright© 2026 by the Multiple Listing Service of the Pensacola Association of REALTORS® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS®. Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited. As of July 13, 2026.
🟡 Asking $334 per square foot, about 36% above the community’s $246 median. Innerarity Island’s 12-month median sold price per square foot is $246. Median sold price per square foot is down 21.4% year over year. Confidence: Low · 7 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.
Recent Innerarity Island sales closed near 90.6% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Pensacola MLS records, community-level, 12 months ending July 13, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 9 active listings in Innerarity Island, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 9, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
WATERFRONT - 88 Feet on Perdido Bay ~ UNDER APPRAISAL !! Stunning Views from Main Living Area and Upstairs ~ Gated Community on North Side of Innerarity Island ~ Builder's Custom Built Personal Home with 9 Foot Ceilings ~ Huge Windows ~ Hurricane Panels ~ No Hurricane Damage ever to the home ~ No Flooding Ever (Owner has flood Insurance - Transferable) ~ Boat Ramp and Launch ~ New Sea Wall (2018) ~ New Roof (2020) ~ New Paint (2026) ~ New Pella Windows (2013) ~ Hardee Plank Siding ~ Gray Pavers in Driveway and Walkway in Front (2009) ~ Beautiful Leaded Front Door ~ Beautiful Stain Glass Panel on window in Staircase ~ Custom Made Solid Oak Cabinets ~ Beautiful Quartz Countertop ~ Stainless Steel Appliances ~ Counter Depth Side by Side Refrigerator ~ 30” Electric Built-in Self-Cleaning Wall Oven with Microwave ~ Pull Out Drawers in lower cabinets ~ Smooth Top Range in Huge Island ~ Large Pantry ~ Large Brick Electric Fireplace ~ Hardwood Flooring – Carpet in Bedrooms ~ Two Inch Plantation Blinds ~ Large Whirlpool Tub in Master ~ Ceiling Fans ~ 50 Gallon Rheem Water Heater ~ Rainfall Shower Head ~ Private Water Closet ~ Bonus Room/Office on First Floor can be a Bedroom~ Sheet Pile Seawall ~ Don't Miss this One! Dock & Pier can be replaced - there are existing pilings~ 15 minutes to Beach/Gulf ~ 10 minutes to Restaurants & Shopping ~ 5 minutes to Innerarity Point Par ~ UNDER APPRAISAL !!
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
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: $850,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1987 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 $40/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:
- This home: 197 days on market vs. a 117-day community median
- 4 active listings competing, 3 under contract
- ≈15.4 months of supply
- 8 closed here in the last 12 months
For reference, this home is listed at $850,000 ($334/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 2,547 sq ft × $216–$276/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 9, 2026.
Similar homes for sale near Innerarity Island
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.
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 Better Homes And Gardens Real Estate Main Street Properties · MLS # 678163
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Recent sales activity in Innerarity Island
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 Innerarity Island 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 Innerarity Island
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 →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Community 12-month median: $246/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
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 16298 North Shore Dr, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1987 (39 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- HOA dues are listed at $40/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- 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 - 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 2,547 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 $8,925/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.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
Amenities and HOA/CDD detail on the neighborhood guide.
View →Data sources & freshness
| Listing record | Pensacola MLS, refreshed twice daily (last: September 9, 2026) |
| Community market stats | Pensacola MLS closed sales, as of July 13, 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 16298 North Shore Dr and when was it built?
Per the listing record, 16298 North Shore Dr was built in 1987 and has 2,547 sq ft of living area, 2 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 16298 North Shore Dr in?
16298 North Shore Dr is in Innerarity Island in Pensacola, Escambia - Fl County. The community section on this page shows recent closed sales, days on market, and active inventory for Innerarity Island from the same MLS data.
Does 16298 North Shore Dr have an HOA, and how much are the dues?
The listing reports HOA dues of $40 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 16298 North Shore Dr differ from the current owner's?
The estimate on this page (about $8,925 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 16298 North Shore Dr 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 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.
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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.