PendingSingle Family Residence▼ Price cut: $10,000 (9/30)
$689,900
3-Bedroom Home in Ramsey Beach
3435 Maikai Dr, Pensacola, FL 32526
Single Family Residence in Ramsey Beach, Pensacola · No CDD on record
Ramsey Beach · Pensacola, FL 32526 · Escambia County
Listing data checked against the MLS October 30, 2026 at 8:26 AM ET · rechecked hourly
Listed by Stirling Properties of Louisiana (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2.5Bathrooms
2,410Sq Ft
1994Year Built
$286Per Sq Ft
Waterfront2-car garageNo 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.
107% above
$/sq ft vs community
$286 here vs $138 median sold (12 mo)
Buyer leverage
Buyer advantage
36 days on market
24.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$3k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
3435 Maikai Dr in Ramsey Beach, Pensacola is listed at $689,900 (2,410 sq ft, about $286 per sq ft). That is 120% above Ramsey Beach's median closed sale of $313,500 over the last 12 months (1 recorded sales). Per square foot it is above the community's recent $138/sq ft by about 107%. It has been listed Sep 21, 2026. Listing facts: built in 1994, waterfront, HOA dues of $5/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1994 · 32 yrs
2,410 sq ft of living area
2-car garage
Listed at $689,900 — recent neighborhood median sale price ~$313,500 (nearby sales; deemed reliable, not an appraisal)
listed Sep 21, 2026
HOA $5/mo (per listing)
Listing description
About this home
Beautifully Updated Waterfront Home with Private Dock in Pensacola Price Drop... here is your chance to own waterfront for less. 3435 MaiKai Dr., a beautifully updated Pensacola home offering a fresh, move-in-ready interior and fantastic waterfront amenities.
This property has been thoughtfully improved with many of the major updates already completed. Recent improvements include a brand-new roof, updated kitchen and bathrooms, fresh interior paint, new flooring, and a new water heater. Outside, enjoy your own private dock, perfect for relaxing by the water, fishing, boating, or enjoying the Florida lifestyle right from home.
The updated kitchen provides a refreshed space for cooking and entertaining, while the renovated bathrooms add a clean, modern feel. Fresh paint and flooring throughout give the home a bright, updated appearance. With the major updates already taken care of, this is an excellent opportunity for a buyer looking for a beautiful home without the hassle and expense of a major renovation.
Highlights: Brand-new roof Updated kitchen Updated bathrooms Fresh interior paint New flooring New water heater Private dock Waterfront Florida lifestyle Move-in ready Come see everything 3435 MaiKai Dr. has to offer!
All 28 photos
Description provided by Stirling Properties of Louisiana 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$689,900
Bed / bath3 / 2.5
Living area2,410 sq ft
Year built1994
Property typeSingle Family Residence
Garage2-car
MLS #687833
Listing statusPending
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~10 ft
CountyEscambia
Area listings2 active · 1 under contract
Estimated first-year tax~$11,225/yr
CDD assessmentNone on record
HOA$5/mo
Calculated estimates
Price per sq ft$286
Estimated monthly payment$5,067
Insurance (illustrative)$3k–$6k/yr
Messtimate range$308,480 – $339,810
Comparable-sales median$313,500
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
$5,067/mo
Principal & interest $3,791/mo75%
Taxes $935/mo18%
Insurance $336/mo7%
HOA $5/mo0%
$5,067/mo at 20% down, 30-yr @ 7.32% · edit any field to update.
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 $8,275/yr ($690/mo) — taxable value $471,778 × 17.54 mills
$2,950 more each year
(+36%)
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
$471,778
Market value
$471,778
Assessed
$471,778
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: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 3435 Maikai Dr
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $8,275/yr (certified county roll, taxable value × millage). Buy at the asking price of $689,900 and the first-year bill resets to about $11,225/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 17.54 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
HOA dues
$5/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insurance
The average Citizens Property Insurance premium in Escambia County is $2,364/yr (1,026 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $3,000–$6,000/yr; neither is a quote.
Roof and age
Built in 1994. An original roof would be about 32 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $1,137/month (tax $935, HOA $5, insurance $197). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
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)
$3k–$6k/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
$5/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
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
~10 ft
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 · Ramsey Beach
Pricing & the Ramsey Beach market
How this home is priced against recent nearby sales, and where Ramsey Beach 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.
Median $/sq ft by year
Community sold $/sq ft, 2018–2025. This home lists at $286/sq ft.
Median sale price by year
12-month median closed price, 2013–2025.
Property timeline
This home’s history
1994BuiltPer public record
Aug 29, 2026First seen on movewithmomentum.comObserved at $799,000
Sep 2, 2026Price cut$749,791 (-$49,209, -6.2%)
Sep 16, 2026Price cut$729,791 (-$20,000, -2.7%)
Sep 25, 2026Price cut$699,900 (-$29,891, -4.1%)
Sep 30, 2026Price cut$689,900 (-$10,000, -1.4%)
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 $689,900Momentum Realty · listed Sep 21, 2026
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 May 2026
$312,000
3013 Christine St, Pensacola
3 / 2 bd/ba · 2,436 sq ft · $128/sq ft
· View details →
Sold Mar 2026
$280,000
3005 Christine St, Pensacola
4 / 3 bd/ba · 2,445 sq ft · $115/sq ft
· View details →
Sold Aug 2026
$315,000
3149 Windjammer Ct, Pensacola
4 / 2 bd/ba · 2,320 sq ft · $136/sq ft
· View details →
Sold Jan 2026
$315,000
3216 Tallship Ln, Pensacola
4 / 2 bd/ba · 2,238 sq ft · $141/sq ft
· View details →
Sold Mar 2026
$394,000
5935 Makenna Dr, Pensacola
4 / 2 bd/ba · 2,206 sq ft · $179/sq ft
· View details →
Sold Mar 2026
$300,000
2152 Stennis Dr, Pensacola
4 / 2 bd/ba · 2,160 sq ft · $139/sq ft
· View details →
Median of these 6 sales: $313,500 ($138/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
Momentum Scores
Momentum Property Score
12/100
Strongest on: Market liquidity (35), Price vs area (0)
0 limited50100 exceptional
12/100 is limited 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 $286/sq ft vs the community 12-month median $138/sq ft.
Affordability0
List price $689,900 vs the community median $313,500. Not a measure of personal affordability.
Market liquidity35
Community inventory, ~24.0 months of supply (12-month record).
Coverage: 3 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 $286 per square foot, about 107% above the community’s $138 median. Ramsey Beach’s 12-month median sold price per square foot is $138. 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 2 active listings in Ramsey Beach, no CDD assessment.
Checked against the MLS October 30, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Stirling Properties of Louisiana · MLS # 687833
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Keep looking
Similar homes for sale near Ramsey Beach
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 · Development
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 7 miles north of Ramsey Beach.
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 10 miles east of Ramsey Beach.
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 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
BellviewAssigned elementary school · Escambia County School District · Grade A (Florida DOE 2025-26)
GRADEC
BELLVIEWAssigned middle school · Escambia County School District · Grade C (Florida DOE 2025-26)
GRADEC
Pine ForestAssigned high school · Escambia County School District · Grade C (Florida DOE 2025-26)
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 3435 Maikai Dr, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1994 (32 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $5/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
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.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 2,410 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 $11,225/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,950 more per year than the current owner’s estimated bill (+36%). 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 30, 2026)
Comparable sales
Pensacola MLS closed sales within about 3 miles, last 18 months, as of July 13, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Pensacola MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 3435 Maikai Dr and when was it built?
Per the listing record, 3435 Maikai Dr was built in 1994 and has 2,410 sq ft of living area, 3 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 3435 Maikai Dr in?
3435 Maikai Dr is in Ramsey Beach in Pensacola, Escambia County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3435 Maikai Dr have an HOA, and how much are the dues?
The listing reports HOA dues of $5 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 3435 Maikai Dr differ from the current owner's?
The estimate on this page (about $11,225 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,950 more per year than the current owner’s estimated bill (+36%). 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 3435 Maikai 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 3435 Maikai 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 jon@movewithmomentum.com 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®.
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.
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.
