3 bedroom Single Family Residence at 17 Seminole Trl, Osceola Country Club, Pensacola — photo 1Front elevation
3 bedroom Single Family Residence at 17 Seminole Trl, Osceola Country Club, Pensacola — photo 2Living space
New — 1 day on market Single Family Residence
$174,900
3-Bedroom Golf-Course Home in Osceola Country Club

17 Seminole Trl, Pensacola, FL 32506

Single Family Residence in Osceola Country Club, Pensacola · No CDD
Osceola Country Club · Pensacola, FL 32506 · Escambia - Fl
Listing data updated September 15, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,450Sq Ft
1964Year Built
$121Per Sq Ft
2-car garageNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
11% below
$/sq ft vs community
$121 here vs $136 median sold (12 mo)
Buyer leverage
Seller-leaning
1 days on market
3.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 2 of 8
Price vs recent sales
Asking $175k tops 2 of the last 8 closed sales

Sources: Pensacola MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

As of September 15, 2026, 17 Seminole Trl in Osceola Country Club, Pensacola is listed at $174,900 (1,450 sq ft, about $121 per sq ft). That sits within a few percent of Osceola Country Club's median closed sale of $205,000 over the last 12 months (8 recorded sales). Per square foot it is below the community's recent $136/sq ft by about 11%. It came to market within the past week. Listing facts: built in 1964, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 1964 · 62 yrs
  • 1,450 sq ft of living area
  • 2-car garage
  • Listed at $174,900 — recent neighborhood median sale price ~$205,000 (nearby sales; deemed reliable, not an appraisal)
  • New to market
  • HOA ~$50/mo (estimate; confirm)
Momentum Research · Osceola Country Club

Pricing & the Osceola Country Club market

How this home is priced against recent nearby sales, and where Osceola Country Club 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 per sq ft · this home vs. recent nearby sales104 Cherokee Trl104 Cherokee Trl: $44/sq ft$44This homeThis home: $121/sq ft$121182 Seminole Trl182 Seminole Trl: $140/sq ft$140233 Tonawanda Dr233 Tonawanda Dr: $153/sq ft$153311 Tonawanda Dr311 Tonawanda Dr: $157/sq ft$157310 Cherokee Trl310 Cherokee Trl: $175/sq ft$175228 Cherokee Trl228 Cherokee Trl: $201/sq ft$201Community median $136

Price vs. size in Osceola Country Club

Each dot is a closed sale since 2005 (182 total). This home is the gold marker.

$17k$352k$686k6342,9195,204This home: $174,900, 1,450 sq ftThis homeSale price

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 $121/sq ft.

$35$110$1862018: $4920182019: $8020192020: $7520202021: $9120212022: $11720222023: $12620232024: $17120242025: $12420252026: $1362026

Median sale price by year

12-month median closed price, 2012–2026.

$48k$156k$264k2012: $69k20122013: $98k2014: $70k20142015: $80k2016: $72k20162017: $107k2018: $87k20182019: $136k2020: $142k20202021: $135k2022: $172k20222023: $228k2024: $243k20242025: $150k2026: $205k2026

Market Heat by year (0–100)

Momentum Market Heat, 2013–2026. Now 55 (normal).

1449842013: 4620132014: 322015: 4020152016: 422017: 5620172018: 212019: 7720192020: 622021: 6020212022: 542023: 7320232024: 322025: 5020252026: 552026
Property timeline

This home’s history

  • 1964BuiltPer public record
  • Sep 15, 2026First trackedObserved at $174,900
  • 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.

Financing

Estimated monthly payment

$1,206/mo
  • Principal & interest $908/mo 75%
  • Taxes $153/mo 13%
  • Insurance $95/mo 8%
  • HOA $50/mo 4%

$1,206/mo at 20% down, 30-yr @ 6.76% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Based on certified county tax roll
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$20,907
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$180,317
Market value
$159,410
Assessed
$159,410
Taxable
Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

Historical tax data loading…
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 Scores

Momentum Property Score

67/100
Strongest on: Renovation upside (90), Price vs area (78)
0 limited50100 exceptional

67/100 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.

Price vs area78
This home $121/sq ft vs the community 12-month median $136/sq ft.
Affordability74
List price $174,900 vs the community median $205,000. Not a measure of personal affordability.
Market liquidity70
Community median 29 days on market, ~3.0 months of supply (12-month record).
Renovation upside90
From a 1964 build and $121/sq ft vs the community median $136/sq ft. Not a condition assessment.
Pricing power44
Recent sales closed at about 99.1% of original asking (~0.9% below). More room below asking generally favors buyers.
Market timing45
Momentum Market Heat is 55/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.

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.

Momentum Research

The Momentum read

🟠 Seller-leaning conditions around this listing. 3.0 months of supply in the surrounding market and 1 days on market for this home, against a 29-day area median.Days on market:this home 1Area median:  29 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 $121 per square foot, about 11% below the community’s $136 median. Osceola Country Club’s 12-month median sold price per square foot is $136. Median sold price per square foot is up 36.7% year over year. Confidence: Medium · 8 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 Osceola Country Club sales closed near 99.1% 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: a golf-course community, one of only 2 active listings in Osceola Country Club, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated September 15, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

Opportunity awaits at 17 Seminole Trail! This 3-bedroom, 2-bath ranch offers approximately 1,450 square feet of living space with an attached 2-car garage in the established Osceola Country Club Estates area. The home features a functional floor plan, hardwood flooring in portions of the living areas, and plenty of potential for a buyer ready to make it their own.

An enclosed sunroom surrounded by windows provides additional flexible space for relaxing, entertaining, hobbies, or creating an indoor-outdoor retreat. The sunroom features brick accents and direct access to the home's main living area and offers excellent potential for updating to suit the new owner's vision. Situated on approximately 0.27 acre, the property offers outdoor space while remaining convenient to shopping, dining, major roadways, NAS Pensacola, and area amenities.

Bring your vision and unlock the potential this home has to offer!

Description provided by VYLLA HOME and reproduced from the MLS; not independently verified.

Property facts & sources

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

List price$174,900
Bed / bath3 / 2
Living area1,450 sq ft
Year built1964
Property typeSingle Family Residence
Garage2-car
MLS #688968
Listing statusNew &mdash; 1 day on market

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyEscambia - Fl
Area listings2 active · 2 under contract
Estimated first-year tax~$1,836/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$121
Estimated monthly payment$1,206
Insurance (illustrative)$1k–$2k/yr
Messtimate range$203,000 – $253,750
Comparable-sales median$205,000

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of VYLLA HOME · Listing agent: Carol Lomax · 904-524-1165Provided via the Multiple Listing Service of the Pensacola Association of REALTORS® · Source: Multiple Listing Service of the Pensacola Association of REALTORS® · 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. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
The Messtimate™

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.

$203,000the mess$253,750

Actual list price: $174,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 25% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a 1964 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
  • Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.

And here's what the live market is doing — which the number above ignores entirely:

  • This home: 1 days on market vs. a 29-day community median
  • 1 active listing competing, 1 under contract
  • 3.0 months of supply
  • 8 closed here in the last 12 months

For reference, this home is listed at $174,900 ($121/sq ft) — a number set with analysis a Messtimate can't do.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,450 sq ft × $140–$175/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 15, 2026.

Keep looking

Similar homes for sale near Osceola Country Club

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.

Transparency

Price & listing history

Listed for $174,900Momentum Realty · on market 1 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)
~$1,836/yr

A rough first-year estimate only, applying a typical Escambia - Fl rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None

No CDD assessment on record for this community.

Insurance (illustrative range)
$1k–$2k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.

HOA
$50/mo

Covers the master association & common areas. Confirm exact dues and what they include.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Not verified

Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.

Ground elevation
Not on record

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida; confirm availability at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Seen enough photos?

Want to see 17 Seminole Trl?

Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.

Listed by VYLLA HOME · MLS # 688968

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Market data · public records

Recent sales activity in Osceola Country Club

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 Osceola Country Club neighborhood guide for more.

Comparable sales found
6

Recent nearby closings in the data set.

Community median sale price
$205,000

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$136

Canonical 12-month median $/sq ft. Reference only.

Go deeper on Osceola Country Club

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

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.

SherwoodAssigned elementary school · Escambia - Fl County School District
BELLVIEWAssigned middle school · Escambia - Fl County School District
EscambiaAssigned high school · Escambia - Fl County School District
How it stacks up

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: $136/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.

If you rent it out

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.

Estimated rent$802 – $1,166/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.0%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$428 – −$100At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

Items worth confirming for 17 Seminole Trl, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1964 (62 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 - Fl County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
  • Listed living area is 1,450 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 $1,836/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.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Provenance

Data sources & freshness

Listing recordPensacola MLS, refreshed twice daily (last: September 15, 2026)
Community market statsPensacola MLS closed sales, as of July 13, 2026
Flood zone & elevationNot verified for this address — look it up at msc.fema.gov
Taxes & monthly costEstimated from county rates; not a quote
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 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.

Answered before you ask

Frequently asked questions

How big is 17 Seminole Trl and when was it built?

Per the listing record, 17 Seminole Trl was built in 1964 and has 1,450 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 17 Seminole Trl in?

17 Seminole Trl is in Osceola Country Club in Pensacola, Escambia - Fl County. The community section on this page shows recent closed sales, days on market, and active inventory for Osceola Country Club from the same MLS data.

Does 17 Seminole Trl 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 17 Seminole Trl differ from the current owner's?

The estimate on this page (about $1,836 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 17 Seminole Trl 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.

Ready when you are

See 17 Seminole Trl in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

Call (904) 351-6461

Momentum Realty · licensed in FL & GA

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.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

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.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Multiple Listing Service of the Pensacola Association of REALTORS®. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Multiple Listing Service of the Pensacola Association of REALTORS®. 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. All rights reserved.

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.