Listing data updated October 12, 2026 at 4:39 AM ET · checked against the MLS hourly
3Bedrooms
2Bathrooms
1,019Sq Ft
1953Year Built
$162Per Sq Ft
No CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
14% above
$/sq ft vs community
$162 here vs $142 median sold (12 mo)
Buyer leverage
Seller-leaning
235 days on market
1.8 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~77 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 12, 2026, 23 Besma Dr in Pen Haven, Pensacola is listed at $165,000 (1,019 sq ft, about $162 per sq ft). That sits within a few percent of Pen Haven's median closed sale of $154,500 over the last 12 months (12 recorded sales). Per square foot it is above the community's recent $142/sq ft by about 14%. It has been 235 days on market, longer than the community's typical 53 days to contract. Listing facts: built in 1953, no HOA. 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 1953 · 73 yrs
1,019 sq ft of living area
Listed at $165,000 — recent neighborhood median sale price ~$154,500 (nearby sales; deemed reliable, not an appraisal)
235 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
Welcome to this beautifully updated 3-bedroom, 2-bathroom home offering 1,019 sq ft of comfortable living space. Featuring a durable metal roof, this home is built to last while providing a modern touch with recent renovations throughout. Step inside to discover an updated kitchen, complete with sleek granite countertops, newer cabinetry, and high-quality appliances, making it perfect for any home chef.
Both bathrooms have been fully updated, including showers, toilets, and vanities for a fresh, modern look. The HVAC system and water heater were replaced in 2025 for added peace of mind. There is a new mini split AC system in the converted master bedroom.
The electrical and plumbing have been updated as well. Throughout the home, you'll find stylish tile flooring, with the exception of the master bedroom, which is carpet. This home combines style, functionality, and convenience.
Schedule your showing today to make this turn-key beauty your own!
All 23 photos
Description provided by GRAND REALTY, INC. and reproduced from the MLS; not independently verified.
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$165,000
Bed / bath3 / 2
Living area1,019 sq ft
Year built1953
Property typeSingle Family Residence
MLS #677637
Listing status235 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~77 ft
CountyEscambia - Fl
Area listings2 active · 3 under contract
Estimated first-year tax~$1,732/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$162
Estimated monthly payment$1,148
Insurance (illustrative)$1k–$2k/yr
Messtimate range$146,736 – $178,325
Comparable-sales median$154,500
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
Financing
Estimated monthly payment
$1,148/mo
Principal & interest $914/mo80%
Taxes $144/mo13%
Insurance $90/mo8%
$1,148/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
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.
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.
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.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
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 insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~77 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
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
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Pen Haven
Pricing & the Pen Haven market
How this home is priced against recent nearby sales, and where Pen Haven 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 Pen Haven
Each dot is a closed sale since 2005 (205 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 $162/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 48 (normal).
Property timeline
This home’s history
1953BuiltPer public record
About Feb 2026Listed (per MLS)MLS reports 235 cumulative days on market as of October 12, 2026
Jul 2, 2026First seen on movewithmomentum.comObserved at $175,000
Oct 6, 2026Price cut$165,000 (-$10,000, -5.7%)
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.
Transparency
Price & listing history
Listed for $165,000Momentum Realty · on market 235 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in Pen Haven 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.
Sold Dec 2025
$144,000
4957 Elsa Ave, Pensacola
3 / 1 bd/ba · 1,000 sq ft · $144/sq ft
Courtesy of HomeSmart Sunshine Realty · View details →
Sold Dec 2025
$144,000
4957 Elsa Ave, Pensacola
3 / 1 bd/ba · 1,000 sq ft · $144/sq ft
Courtesy of HomeSmart Sunshine Realty · View details →
Sold Jan 2026
$190,000
1106 N 50th Ave, Pensacola
3 / 2 bd/ba · 1,086 sq ft · $175/sq ft
Courtesy of Beycome of Florida, LLC · View details →
Sold Jan 2026
$190,000
1106 N 50th Ave, Pensacola
3 / 2 bd/ba · 1,086 sq ft · $175/sq ft
Courtesy of Beycome of Florida, LLC · View details →
Sold Nov 2025
$150,000
41 Pen Haven Dr, Pensacola
3 / 1 bd/ba · 925 sq ft · $162/sq ft
Courtesy of Gulf Real Estate Group, LLC · View details →
Sold Nov 2025
$150,000
41 Pen Haven Dr, Pensacola
3 / 1 bd/ba · 925 sq ft · $162/sq ft
Courtesy of Gulf Real Estate Group, LLC · View details →
Median of these 6 sales: $154,500 ($142/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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.
$146,736the mess$178,325
Stronger local evidence — 6 comparable closed sales in Pen Haven, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $165,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 22% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1953 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: 235 days on market vs. a 53-day community median
2 active listings competing, 2 under contract
≈1.8 months of supply
12 closed here in the last 12 months
For reference, this home is listed at $165,000 ($162/sq ft). The list price is the seller's asking price and is not derived from this range.
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.
Methodology: 1,019 sq ft × $144–$175/sq ft (interquartile band of 6 comparable closed sales in Pen Haven, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 12, 2026.
Momentum Scores
Momentum Property Score
51/100
Strongest on: Flood safety (95), Market liquidity (68)
0 limited50100 exceptional
51/100 is below average 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 area15
This home $162/sq ft vs the community 12-month median $142/sq ft.
Affordability39
List price $165,000 vs the community median $154,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~77 ft elevation. Verify the parcel with FEMA.
Insurance cost50
From FEMA Zone X and a 1953 build. Obtain a property-specific quote.
Market liquidity68
Community median 53 days on market, ~1.8 months of supply (12-month record).
Pricing power40
Recent sales closed at about 100.0% of original asking (~0.0% below). More room below asking generally favors buyers.
Market timing52
Momentum Market Heat is 48/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 7 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.
🟡 Asking $162 per square foot, about 14% above the community’s $142 median. Pen Haven’s 12-month median sold price per square foot is $142. Median sold price per square foot is up 1.0% year over year. Confidence: Medium · 12 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 Pen Haven sales closed near 100.0% 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 2 active listings in Pen Haven, no CDD assessment.
Updated October 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by GRAND REALTY, INC. · MLS # 677637
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Keep looking
Similar homes for sale near Pen Haven
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Schools
Escambia schools plan to close Lincoln Park Elementary and redraw attendance zones
Escambia County Public Schools plans to close Lincoln Park Elementary because enrollment is below 300, with state data showing 202 students for 2025-26. A zoning advisory committee was asked to redraw boundaries, with Brentwood Elementary (397 students) and Ensley Elementary (465 students) named as likely receiving schools. The article is an opinion piece that reports these district figures.
Why it matters: Attendance zone changes could alter school assignments, bus routes and daily travel for households around the affected Pensacola-area campuses. The site is about 3 miles north of Pen Haven.
Escambia Planning Board to hear rezoning for 540-acre Outlying Fields site in Beulah
The Escambia County Planning Board was set to hear rezoning and land-use changes on October 6 for the former Navy Outlying Landing Field 8 next to the Navy Federal Credit Union campus. The roughly 540-acre plan includes 1,000 to 1,500 housing units, 23 acres for health-related facilities along Nine Mile Road, retail and restaurants, and an Employment, Technology and Innovation district. County staff found the changes consistent with the comprehensive plan, and FDOT expects no added trip generation.
Why it matters: The plan would add housing, commercial space and employer land in the Beulah area near Nine Mile Road, which could change local retail access, commute patterns and housing supply. The site is about 8 miles north of Pen Haven.
Pensacola mayor says new airport terminal construction starts next week
At a September 17 briefing, Mayor D.C. Reeves said the notice to proceed for the new terminal at Pensacola International Airport would be issued the following week, with site preparation starting shortly after. He described it as a nine-figure investment. A separate 600-space parking expansion still needs construction funding.
Why it matters: Terminal construction signals added air-travel capacity at the airport and construction activity near the airport corridor. The site is about 6 miles northeast of Pen Haven.
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.
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.
West PensacolaAssigned elementary school · Escambia - Fl County School District
WARRINGTONAssigned middle school · Escambia - Fl County School District
EscambiaAssigned high school · Escambia - Fl County School District
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 23 Besma Dr, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1953 (73 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.
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.
Listed living area is 1,019 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 $1,732/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.
Provenance
Data sources & freshness
Listing record
Pensacola MLS, checked against the MLS hourly (last: October 12, 2026)
Comparable sales
Pensacola MLS closed sales in Pen Haven, last 18 months, as of July 13, 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.
Answered before you ask
Frequently asked questions
How big is 23 Besma Dr and when was it built?
Per the listing record, 23 Besma Dr was built in 1953 and has 1,019 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 23 Besma Dr in?
23 Besma Dr is in Pen Haven in Pensacola, Escambia - Fl County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 23 Besma Dr 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 23 Besma Dr differ from the current owner's?
The estimate on this page (about $1,732 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 23 Besma Dr 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.
Ready when you are
See 23 Besma Dr 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.
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.
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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
