42 days on market (MLS) Single Family Residence
$424,900
3-Bedroom Home in Mallory Heights

3081 Whistler Dr, Pensacola, FL 32503

Single Family Residence in Mallory Heights, Pensacola · No CDD on record
Mallory Heights · Pensacola, FL 32503 · Escambia County
Listing data updated October 1, 2026 · refreshed hourly
3Bedrooms
2Bathrooms
2,076Sq Ft
1969Year Built
$205Per Sq Ft
No CDD on record
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.
Highlights

As of October 1, 2026, 3081 Whistler Dr in Mallory Heights, Pensacola is listed at $424,900 (2,076 sq ft, about $205 per sq ft). It has been 42 days on market. Listing facts: built in 1969, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 1969 · 57 yrs
  • 2,076 sq ft of living area
  • 42 days on market
  • No HOA reported by the listing (confirm)
Listing description

About this home

Your Florida lifestyle starts here! This beautifully updated Mallory Heights charmer is made for relaxing, entertaining, and enjoying life year-round. From the lush landscaping and incredible backyard oasis, this home offers the perfect setting for gathering with those you love most.

The spacious, open floor plan creates an inviting space for everything from casual dinners to larger celebrations. The kitchen flows naturally into the living areas, making entertaining easy. Take the party outside and you’ll find a private backyard surrounded by mature tropical and flowering plants, centered around a recently renovated saltwater pool with updated equipment and a 2024 liner.

The pool is heated, allowing you to enjoy it well beyond the summer months. Think pool parties, backyard barbecues, dinners with friends, or relaxing together on a beautiful Florida evening. The 300-square-foot air-conditioned Florida room with tinted windows adds even more versatile living and entertaining space.

Enjoy morning coffee, cocktails with friends, game nights, or a quiet retreat after a swim—rain or shine. Inside, the home is truly move-in ready with fresh paint, new carpet, stainless steel kitchen appliances, updated doors, lighting and hardware, plus thoughtful improvements throughout. Major updates include a 2022 roof, 2024 water heater, 2017 HVAC, and a 2020 mini-split in the Florida room.

The wood-burning fireplace has also been waterproofed and re-pointed. Outside you’ll find a new privacy fence, carport with storage, shed, irrigation system, garden pathway, and an additional pad ready for a greenhouse, workshop, or hobby space. Located approximately 10 minutes from downtown Pensacola, the airport, and shopping, and 20 minutes from the beach, with a neighborhood park just about 400 feet away.

Beautifully updated, wonderfully maintained, and ready for you to gather, entertain, relax, and enjoy the best of Florida living!

All 61 photos

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Description provided by Better Homes And Gardens Real Estate Main Street Properties and reproduced from the MLS; not independently verified.

Listing courtesy of Better Homes And Gardens Real Estate Main Street Properties · Listing agent: Kristen Hintz · 850-912-4123Provided via the Multiple Listing Service of the Pensacola Association of REALTORS® · Source: Multiple Listing Service of the Pensacola Association of REALTORS® · Copyright© 2026 by the Multiple Listing Service of the Pensacola Association of REALTORS® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS®. Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
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$424,900
Bed / bath3 / 2
Living area2,076 sq ft
Year built1969
Property typeSingle Family Residence
MLS #687788
Listing status42 days on market (MLS)

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
CountyEscambia
Estimated first-year tax~$6,575/yr
CDD assessmentNone on record
HOANone reported

Calculated estimates

Price per sq ft$205
Estimated monthly payment$3,047
Insurance (illustrative)$2k–$4k/yr

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

$3,047/mo
  • Principal & interest $2,268/mo 74%
  • Taxes $548/mo 18%
  • Insurance $230/mo 8%

$3,047/mo at 20% down, 30-yr @ 7.03% · edit any field to update.

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

Cost to own

Property taxes

✓ Certified tax roll · county-average rate
Estimated property taxes after purchase
$6,575/yr
≈ $548/mo·effective rate ~1.55%
Estimate: asking price less the $50,000 homestead exemption × Escambia County rate (17.54 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️

Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.

Current owner’s estimated bill $2,075/yr ($173/mo) — taxable value $118,511 × 17.54 mills
$4,500 more each year
(+217%)

Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.

🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$101,012
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$219,523
Market value
$169,233
Assessed
$118,511
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.

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.

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 zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.

HOA
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
Not verified

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

Ground elevation
Not on record

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

Windstorm / insurance
Obtain a quote

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.

Hazard risk

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.

HurricaneVery High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively Moderate
LightningVery High
Strong windRelatively Low
DroughtRelatively Low
HailRelatively Low
Cold waveRelatively Moderate
Winter weatherRelatively Moderate

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.

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 · Mallory Heights

Pricing & the Mallory Heights market

How this home is priced against recent nearby sales, and where Mallory Heights has been over 25 years. Momentum Research analysis of Pensacola MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.

This home’s $/sq ft vs. nearby sales

List $/sq ft against recent nearby closed sales; the community median is marked.

Price per sq ft · this home vs. recent nearby salesThis homeThis home: $205/sq ft$2056109 W La Rua St6109 W La Rua St: $209/sq ft$209
Property timeline

This home’s history

  • 1969BuiltPer public record
  • About Aug 2026Listed (per MLS)MLS reports 42 cumulative days on market as of October 1, 2026
  • Oct 1, 2026First seen on movewithmomentum.comObserved at $424,900
  • 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 $424,900Momentum Realty · on market 42 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up

Comparable recent sales

Only 1 closed sale within about 10 miles in Escambia County in the last 18 months matched this home’s type and size. Fewer than 3 is too few for a median, so none is shown.

Limited comparable data: these sales are listed for reference only. A licensed agent can prepare a property-specific comparative market analysis. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.

The Messtimate™

The Messtimate

Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Escambia County in the last 18 months. Only 1 qualifies for this home, so no dollar range is shown. It is not an appraisal or a valuation.

Want a property-specific value review? A licensed Momentum Realty agent can prepare a free comparative market analysis using the home, the lot, its condition, and the live market.

Methodology: the range would be 2,076 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 1, 2026.

Seen enough photos?

Want to see 3081 Whistler Dr?

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 Better Homes And Gardens Real Estate Main Street Properties · MLS # 687788

Request a showing

or call (904) 351-6461
Keep looking

Similar homes for sale near Mallory Heights

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 Mallory Heights

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  • 5796 Winifred Ave · $450,000 · 3 bd / 3.0 ba · listed October 1, 2026 (courtesy of Epique Realty, Inc.)
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  • 3424 W Brainerd St · $139,900 · 3 bd / 2.0 ba · listed October 1, 2026 (courtesy of Beycome of Florida, LLC)
  • 1973 Caracara St · $295,900 · 3 bd / 2.0 ba · listed October 1, 2026 (courtesy of D R Horton Realty of NW Florida, LLC)

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

Go deeper

More on Mallory Heights

Go deeper on Mallory Heights

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

Assigned schools

Assigned schools

Schools currently assigned to this address in Escambia 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.

GRADEA
A.K. SuterAssigned elementary school · Escambia County School District · Grade A (Florida DOE 2025-26)
WORKMANAssigned middle school · Escambia County School District
GRADEC
WashingtonAssigned high school · Escambia County School District · Grade C (Florida DOE 2025-26)
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 3081 Whistler Dr, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1969 (57 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
  • Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
  • Get a homeowners insurance quote for this specific address in Escambia County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
  • Listed living area is 2,076 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 $6,575/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $4,500 more per year than the current owner’s estimated bill (+217%). 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 recordPensacola MLS, refreshed hourly (last: October 1, 2026)
Comparable salesFewer than 3 defensible closed sales within about 10 miles in Escambia County — no medians or automated estimate shown
Flood zone & elevationNot verified for this address — look it up at msc.fema.gov
Taxes & monthly costCertified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of Pensacola MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

How big is 3081 Whistler Dr and when was it built?

Per the listing record, 3081 Whistler Dr was built in 1969 and has 2,076 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 3081 Whistler Dr in?

3081 Whistler Dr is in Mallory Heights in Pensacola, Escambia County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.

Does 3081 Whistler 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 3081 Whistler Dr differ from the current owner's?

The estimate on this page (about $6,575 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $4,500 more per year than the current owner’s estimated bill (+217%). 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 3081 Whistler Dr in a flood zone?

A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

Ready when you are

See 3081 Whistler 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.

Call (904) 351-6461

Momentum Realty · licensed in FL & GA

Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply 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.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Multiple Listing Service of the Pensacola Association of REALTORS®. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Multiple Listing Service of the Pensacola Association of REALTORS®. Copyright© 2026 by the Multiple Listing Service of the Pensacola Association of REALTORS® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS®. Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.