Single Family Residence in North Hill, Pensacola · No CDD on record
North Hill · Pensacola, FL 32501 · Escambia - Fl County
Listing data updated October 12, 2026 at 4:39 AM ET · checked against the MLS hourly
5Bedrooms
2.5Bathrooms
1,599Sq Ft
1970Year Built
$266Per Sq Ft
No CDD on recordFEMA Zone X5 bedrooms
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.
28% above
$/sq ft vs community
$266 here vs $208 median sold (12 mo)
Buyer leverage
Buyer advantage
191 days on market
3.2 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~47 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 12, 2026, 304 W Cervantes St in North Hill, Pensacola is listed at $425,000 (1,599 sq ft, about $266 per sq ft). That is 34% above North Hill's median closed sale of $317,350 over the last 12 months (16 recorded sales). Per square foot it is above the community's recent $208/sq ft by about 28%. It has been 191 days on market, longer than the community's typical 55 days to contract. Listing facts: built in 1970. 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 1970 · 56 yrs
1,599 sq ft of living area
Listed at $425,000 — recent neighborhood median sale price ~$317,350 (nearby sales; deemed reliable, not an appraisal)
191 days on market
Listing description
About this home
Great opportunity! Fantastic location only 8 blocks North of Garden St, and 3 blocks West of Palafox St. Zoned PR-2 North Hill Preservation Multiple-Family District.
Currently utilized as a business office, this house can be made into a 3BR/2.5BA home, or a multi-family property with a 2BR/1.5BA and a 1BR/1BA... or a combination. Use 1 side as a residence, and the other side as an office or rental.
This property had a 1000sqft addition on built-up slab in 2000, and a major update in 2018, including new roof.
All 47 photos
Description provided by Berkshire Hathaway Home Services PenFed Realty 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$425,000
Bed / bath5 / 2.5
Living area1,599 sq ft
Year built1970
Property typeSingle Family Residence
MLS #677376
Listing status191 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~47 ft
CountyEscambia - Fl
Area listings8 active · 1 under contract
Estimated first-year tax~$4,462/yr
CDD assessmentNone on record
HOANot reported
Calculated estimates
Price per sq ft$266
Estimated monthly payment$2,957
Insurance (illustrative)$2k–$4k/yr
Messtimate range$196,677 – $283,023
Comparable-sales median$317,350
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
$2,957/mo
Principal & interest $2,354/mo80%
Taxes $372/mo13%
Insurance $231/mo8%
$2,957/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)
$2k–$4k/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
Not reported
Not stated in the listing. Confirm with the listing agent or the county record; $0 is used in the payment estimate.
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
~47 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 · North Hill Highlands
Pricing & the North Hill Highlands market
How this home is priced against recent nearby sales, and where North Hill Highlands 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 North Hill Highlands
Each dot is a closed sale since 2005 (140 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 $266/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 49 (normal).
Property timeline
This home’s history
1970BuiltPer public record
About Apr 2026Listed (per MLS)MLS reports 191 cumulative days on market as of October 12, 2026
Jul 2, 2026First seen on movewithmomentum.comObserved at $425,000
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.
Transparency
Price & listing history
Listed for $425,000Momentum Realty · on market 191 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 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 Aug 2026
$190,000
10 Cloverland Ct, Pensacola
4 / 2 bd/ba · 1,550 sq ft · $123/sq ft
Courtesy of Levin Rinke Realty · View details →
Sold Oct 2025
$298,000
205 Hermey Ave, Pensacola
4 / 2 bd/ba · 1,684 sq ft · $177/sq ft
Courtesy of Levin Rinke Realty · View details →
Sold Oct 2026
$465,000
941 W Wright St, Pensacola
4 / 2.5 bd/ba · 1,850 sq ft · $251/sq ft
Courtesy of Voyage Real Estate LLC · View details →
Sold Oct 2025
$215,000
607 Chadwick St, Pensacola
4 / 2 bd/ba · 1,336 sq ft · $161/sq ft
Courtesy of Plum Tree Realty LLC · View details →
Sold Jun 2026
$195,000
1200 Cheyenne Cir, Pensacola
4 / 2 bd/ba · 1,325 sq ft · $147/sq ft
Courtesy of Better Homes And Gardens Real Estate Main Street Properties · 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 →
Median of these 6 sales: $317,350 ($208/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.
$196,677the mess$283,023
Stronger local evidence — 6 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $425,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 44% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1970 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: 191 days on market vs. a 55-day community median
14 active listings competing, 3 under contract
≈3.2 months of supply
24 closed here in the last 12 months
For reference, this home is listed at $425,000 ($266/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: 1,599 sq ft × $123–$177/sq ft (interquartile band of 6 comparable closed sales within about 3 miles, 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
46/100
Strongest on: Flood safety (95), Pricing power (70)
0 limited50100 exceptional
46/100 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 area0
This home $266/sq ft vs the community 12-month median $208/sq ft.
Affordability0
List price $425,000 vs the community median $317,350. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~47 ft elevation. Verify the parcel with FEMA.
Insurance cost50
From FEMA Zone X and a 1970 build. Obtain a property-specific quote.
Market liquidity59
Community median 55 days on market, ~3.2 months of supply (12-month record).
Pricing power70
Recent sales closed at about 94.0% of original asking (~6.0% below). More room below asking generally favors buyers.
Market timing51
Momentum Market Heat is 49/100 (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 $266 per square foot, about 28% above the community’s $208 median. North Hill Highlands’s 12-month median sold price per square foot is $208. Median sold price per square foot is up 92.3% year over year. Confidence: Medium · 16 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 North Hill Highlands sales closed near 94.0% 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 8 active listings in North Hill Highlands, 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 Berkshire Hathaway Home Services PenFed Realty · MLS # 677376
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Keep looking
Similar homes for sale near North Hill
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 · Parks Amenities
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 less than a mile northeast of North Hill Highlands.
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 10 miles northwest of North Hill Highlands.
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 4 miles north of North Hill Highlands.
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.
Global Learning AcademyAssigned elementary school · Escambia - Fl County School District
WORKMANAssigned middle school · Escambia - Fl County School District
PensacolaAssigned 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 304 W Cervantes St, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1970 (56 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
Confirm whether a mandatory HOA applies to this parcel and what it charges.
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 1,599 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 $4,462/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 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 304 W Cervantes St and when was it built?
Per the listing record, 304 W Cervantes St was built in 1970 and has 1,599 sq ft of living area, 5 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 304 W Cervantes St in?
304 W Cervantes St is in North Hill in Pensacola, Escambia - Fl County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Why might property taxes on 304 W Cervantes St differ from the current owner's?
The estimate on this page (about $4,462 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 304 W Cervantes St 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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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.
