2299 Scenic Hwy #Q1, Pensacola, FL 32503
Sources: Pensacola MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
2299 Scenic Hwy #Q1 in Windchase Bay, Pensacola is listed at $189,000 (1,014 sq ft, about $186 per sq ft). It came to market within the past week. Listing facts: built in 1983, HOA dues of $400/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1983 · 43 yrs
- 1,014 sq ft of living area
- Listed at $189,000 — recent neighborhood median sale price ~$180,000 (nearby sales; deemed reliable, not an appraisal)
- Active listing
- HOA $400/mo (per listing)
About this home
SHORT SALE!! Home sale is subject to lender approval of a short sale. Welcome to your new home in Windchase Bay!
This two bed, two full bath condo is Well Maintained and on the first floor for easy access. Upon entering the unit, you’ll be greeted with beautiful solid oak flooring. On your right, walk into the cozy dining area with access to the kitchen, equipped with brand new garbage disposal.
The spacious living room has beautiful, newly installed window treatments and new ceiling fan with remote control. The hurricane rated sliding glass door takes you out to the private, fenced in back patio with access to the generously sized storage closet. Inside, down the hall, you’ll find the guest bathroom which has been fully updated with new bath fitter shower/tub combo, new toilet, new vanity, and brand new designer tile flooring.
The guest bedroom has durable vinyl plank flooring and dual closets for extra storage capacity. The owner’s suite has tons of natural light and plenty of space to fit a king-sized bed. You won’t be disappointed with the large walk-in closet and the dual bathroom vanities.
The separate water closet is fitted with a shower/tub combo and brand new toilet. Owner’s bedroom is also equipped with brand new ceiling fan with remote control and both bedrooms have brand new, energy efficient, hurricane rated windows (with transferable warranty to new owner). Spend your afternoons lounging by the HOA-maintained community pool and enjoy your mornings watching the sun rise over Pensacola bay from the bluff overlook that lies just a 3 minute walk from your front door.
You’re minutes away from downtown, the beaches, shopping, and more! You don’t want to miss the opportunity to make this perfectly located and well maintained unit your new home,
Description provided by RE/MAX HORIZONS REALTY and reproduced from the MLS; not independently verified.
Comparable recent sales
6 closed sales within about 3 miles 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 6 sales: $180,000 ($192/sq ft). Stronger local evidence. 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 $1,030/mo 59%
- Taxes $204/mo 12%
- Insurance $102/mo 6%
- HOA $400/mo 23%
$1,737/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateThe current taxable value ($161,226) is above the asking price. After a sale the assessment is typically set from market value, which here would be lower than the current taxable value, so the estimate is lower. Confirm with the county property appraiser — the appraiser, not the sale price, sets the assessment.
Certified 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: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. 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.
What it really costs to own 2299 Scenic Hwy #Q1
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $2,825/yr (certified county roll, taxable value × millage). Buy at the asking price of $189,000 and the first-year bill resets to about $2,450/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 17.54 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | $400/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| Home and flood insurance | The average Citizens Property Insurance premium in Escambia County is $2,364/yr (1,026 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,000–$2,000/yr; neither is a quote. |
| Roof and age | Built in 1983. An original roof would be about 43 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Estimated carrying cost at the asking price, before the mortgage: about $801/month (tax $204, HOA $400, insurance $197). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
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.
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.
County hazard risk ratings (FEMA National Risk Index, county level)
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 — 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 Windchase Bay market
How this home is priced against recent nearby sales, and where Windchase Bay 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
- 1983BuiltPer public record
- Oct 30, 2026First seen on movewithmomentum.comObserved at $189,000
- 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
The Momentum read
🟡 Asking $186 per square foot, about 3% below the community’s $192 median. Windchase Bay’s 12-month median sold price per square foot is $192. 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 October 30, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 2299 Scenic Hwy #Q1?
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 RE/MAX HORIZONS REALTY · MLS # 690673
Request a showing
Similar homes for sale near Windchase Bay
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 Windchase Bay
- 18 Lincoln Rd · $165,000 · 2 bd / 1.0 ba · listed October 30, 2026 (courtesy of Dalton Wade, Inc.)
- 1910 Inda Ave · $340,000 · 4 bd / 2.0 ba · listed October 30, 2026 (courtesy of Levin Rinke Realty)
- 421 Lakeview Ave · $150,000 · 2 bd / 1.0 ba · listed October 30, 2026 (courtesy of KELLER WILLIAMS REALTY GULF COAST)
- 25 Spoonbill St · $279,000 · 3 bd / 2.0 ba · listed October 30, 2026 (courtesy of Better Homes And Gardens Real Estate Main Street Properties)
- 1000 Hawthorn Dr · $110,000 · 2 bd / 2.0 ba · listed October 30, 2026 (courtesy of Voyage Real Estate LLC)
- 7967 Briaroak Dr · $299,999 · 3 bd / 2.0 ba · listed October 30, 2026 (courtesy of Levin Rinke Realty)
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 Windchase Bay
Go deeper on Windchase Bay
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 2299 Scenic Hwy #Q1, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1983 (43 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.
- Listed living area is 1,014 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 $2,450/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $375 less per year than the current owner’s estimated bill (−13%). 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: October 30, 2026) |
| Comparable sales | Pensacola MLS closed sales within about 3 miles, last 18 months, as of October 30, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; 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 2299 Scenic Hwy #Q1 and when was it built?
Per the listing record, 2299 Scenic Hwy #Q1 was built in 1983 and has 1,014 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 2299 Scenic Hwy #Q1 in?
2299 Scenic Hwy #Q1 is in Windchase Bay in Pensacola, Escambia County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 2299 Scenic Hwy #Q1 have an HOA, and how much are the dues?
The listing reports HOA dues of $400 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 2299 Scenic Hwy #Q1 differ from the current owner's?
The estimate on this page (about $2,450 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $375 less per year than the current owner’s estimated bill (−13%). 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 2299 Scenic Hwy #Q1 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 2299 Scenic Hwy #Q1 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.
Momentum Realty · licensed in FL & GA
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 jon@movewithmomentum.com and we will review and correct or remove it promptly.
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. 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.