PendingSingle Family Residence▼ Price cut: $12,000 (9/2)
$115,000
3-Bedroom Home in Cloverland
29 Cloverland Ct, Pensacola, FL 32505
Single Family Residence in Cloverland, Pensacola
Cloverland · Pensacola, FL 32505 · Escambia - Fl County
Listing data checked against the MLS November 13, 2026 at 1:50 AM ET · rechecked hourly
Listed by Levin Rinke Realty (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
1Bathrooms
1,276Sq Ft
1954Year Built
$90Per Sq Ft
FEMA 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.
46% below
$/sq ft vs community
$90 here vs $166 median sold (12 mo)
Buyer leverage
Strong buyer advantage
95 days on market
12.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~70 ft elevation
$500–$1k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 12
Price vs recent sales
Asking $115k is at or below all 12 recent closed sales
29 Cloverland Ct in Cloverland, Pensacola is listed at $115,000 (1,276 sq ft, about $90 per sq ft). That is 46% below Cloverland's median closed sale of $212,500 over the last 12 months (1 recorded sales). Per square foot it is below the community's recent $166/sq ft by about 46%. It has been listed Aug 8, 2026. Listing facts: built in 1954, 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.
Built 1954 · 72 yrs
1,276 sq ft of living area
Listed at $115,000 — recent neighborhood median sale price ~$212,500 (nearby sales; deemed reliable, not an appraisal)
listed Aug 8, 2026
No HOA reported by the listing (confirm)
Listing description
About this home
ATTENTION EMPTY NESTERS, CASH BUYERS & INVESTORS: High-Upside Flip or Rental Opportunity in Central Pensacola. Welcome to this solid 3-bedroom, 1-bathroom concrete block home offering incredible value-add potential. Centrally located in the heart of Pensacola, FL, this property features over 1,200 square feet of living space and an attached 1-car carport.
The heavy lifting on curb appeal and core cosmetic updates has already been done with freshly painted interior and exterior and brand-new, modern Luxury Vinyl Plank (LVP) flooring with trim flowing through the main living area. The layout includes a unique, standout bedroom complete with its own cozy fireplace, and huge walk-in closet, a 2023 hot water heater and a spacious fenced back yard private oasis with brick patio. A detached storage shed with Washer and Dryer offer additional utility for hobbies and tools.
No HOA. Priced for a fast sale and priced to move, this property is being sold As-IS and is tailored specifically for empty nesters, flippers, or portfolio builders looking to capitalize on instant equity.
All 33 photos
Description provided by Levin Rinke Realty and reproduced from the MLS; not independently verified.
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.
Sold Mar 2026
$219,000
1231 Ft Smith Cir, Pensacola
3 / 2 bd/ba · 1,274 sq ft · $172/sq ft
Courtesy of Plum Tree Realty LLC · View details →
Sold Aug 2026
$450,000
520 W Gregory St, Pensacola
2 / 2 bd/ba · 1,274 sq ft · $353/sq ft
Courtesy of POINTE SOUTH · View details →
Sold Apr 2026
$206,000
911 Medford Ave, Pensacola
3 / 2 bd/ba · 1,279 sq ft · $161/sq ft
Courtesy of Levin Rinke Realty · View details →
Sold Aug 2026
$150,000
219 Ruby Ave, Pensacola
4 / 1 bd/ba · 1,271 sq ft · $118/sq ft
Courtesy of CARE Realty Group · View details →
Sold Aug 2026
$170,000
403 Rue Max St, Pensacola
3 / 1.5 bd/ba · 1,283 sq ft · $133/sq ft
Courtesy of Avenue Realty · View details →
Sold Aug 2026
$250,000
6473 Memphis Ave, Pensacola
3 / 2 bd/ba · 1,266 sq ft · $197/sq ft
Courtesy of Connell & Company Realty Inc. · View details →
Median of these 6 sales: $212,500 ($166/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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$115,000
Bed / bath3 / 1
Living area1,276 sq ft
Year built1954
Property typeSingle Family Residence
MLS #681288
Listing statusPending
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~70 ft
CountyEscambia - Fl
Area listings1 active · 0 under contract
Estimated first-year tax~$1,208/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$90
Estimated monthly payment$786
Insurance (illustrative)$500–$1k/yr
Messtimate range$169,708 – $251,372
Comparable-sales median$212,500
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
$786/mo
Principal & interest $623/mo79%
Taxes $101/mo13%
Insurance $62/mo8%
$786/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
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.
$90,170
Market value
$80,653
Assessed
$24,931
Taxable
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
Not reported
The MLS listing does not report a CDD amount. Many Florida communities have one; it shows on the county tax bill — confirm with the tax collector or the listing agent.
Insurance (illustrative range)
$500–$1k/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
~70 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.
County hazard risk ratings (FEMA National Risk Index, county level)Internet & broadband — how to check availability for this address
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 · Cloverland
Pricing & the Cloverland market
How this home is priced against recent nearby sales, and where Cloverland 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.
Property timeline
This home’s history
1954BuiltPer public record
Aug 4, 2026First seen on our siteObserved at $127,000
Sep 2, 2026Price cut$115,000 (-$12,000, -9.4%)
NowPendingSale pending
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 $115,000Levin Rinke Realty · listed Aug 8, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
76/100
Strongest on: Price vs area (100), Affordability (100)
0 limited50100 exceptional
76/100 is strong 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 area100
This home $90/sq ft vs the community 12-month median $166/sq ft.
Affordability100
List price $115,000 vs the community median $212,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~70 ft elevation. Verify the parcel with FEMA.
Insurance cost50
From FEMA Zone X and a 1954 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~12.0 months of supply (12-month record).
Coverage: 5 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.
Momentum Research
The Momentum read
🟡 Asking $90 per square foot, about 46% below the community’s $166 median. Cloverland’s 12-month median sold price per square foot is $166. Confidence: Low · 1 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.
What’s unique here: one of only 1 active listings in Cloverland, no CDD assessment.
Checked against the MLS November 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Levin Rinke Realty · MLS # 681288
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Keep looking
Similar homes for sale near Cloverland
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.
10826 Oak Valley Dr, Pensacola · $315,000 · 3 bd / 2.0 ba · listed November 11, 2026 (courtesy of Emerald Coast Realty Pros)
1203 W Gregory, Pensacola · $173,500 · 3 bd / 1.0 ba · listed November 11, 2026 (courtesy of POINTE SOUTH)
1208 Parasol Pl, Pensacola · $1,200,000 · 5 bd / 4.0 ba · listed November 10, 2026 (courtesy of KEY CONCEPTS REALTY, INC)
8215 Emperor Rd, Pensacola · $365,000 · 3 bd / 2.0 ba · listed November 10, 2026 (courtesy of Engel & Volkers Pensacola)
3207 W Cervantes St, Pensacola · $230,000 · 3 bd / 1.0 ba · listed November 10, 2026 (courtesy of Levin Rinke Realty)
3830 Hidden Oak Dr, Pensacola · $375,000 · 3 bd / 2.0 ba · listed November 10, 2026 (courtesy of Better Homes And Gardens Real Estate Main Street Properties)
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Market
Hurricane Isaias cleanup keeps debris, construction and roofing hiring strong across Northwest Florida
CareerSource Escarosa says demand for debris removal, construction and roofing workers has stayed steady since the storm and should remain elevated for at least six more months. Pensacola's contractor estimates about three weeks remain for the first pass of debris collection, and the area's unemployment rate has fallen since July.
Why it matters: Near-term demand for trades and cleanup labor supports local payrolls, while contractor availability for home repairs and renovation may stay tight through spring. The site is about 3 miles east of Cloverland.
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 2 miles north of Cloverland.
Pensacola opens public vote on Fricker Center playground design
Public voting on the new playground design for the Fricker Resource Center in Pensacola runs October 2 through October 23, 2026. The playground is part of a $9.5 million Fricker Resource Center renovation funded by 2023 grant money and some Local Option Sales Tax funds. The renovated center is scheduled to reopen in summer 2027.
Why it matters: A renovated community center and new playground would add recreation amenities for nearby Pensacola residents when it reopens in 2027. The site is about 4 miles east of Cloverland.
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 northwest of Cloverland.
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.
OakcrestAssigned 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 29 Cloverland Ct, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1954 (72 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 1,276 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 $1,208/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: November 13, 2026)
Comparable sales
Pensacola MLS closed sales within about 3 miles, 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 29 Cloverland Ct and when was it built?
Per the listing record, 29 Cloverland Ct was built in 1954 and has 1,276 sq ft of living area, 3 bedrooms and 1.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 29 Cloverland Ct in?
29 Cloverland Ct is in Cloverland in Pensacola, Escambia - Fl County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 29 Cloverland Ct 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 29 Cloverland Ct differ from the current owner's?
The estimate on this page (about $1,208 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 29 Cloverland Ct 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.
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See 29 Cloverland Ct in person
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
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®.
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.
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.
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1 / 1 photosListing courtesy of Levin Rinke Realty
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.
