Listing data updated October 10, 2026 at 4:51 AM ET · checked against the MLS hourly
3Bedrooms
3Bathrooms
2,414Sq Ft
1989Year Built
$356Per 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.
170% above
$/sq ft vs community
$356 here vs $132 median sold (12 mo)
Buyer leverage
Strong buyer advantage
152 days on market
24.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~8 ft elevation
$4k–$8k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 10, 2026, 3491 Maikai Dr in Ramsey Beach, Pensacola is listed at $860,000 (2,414 sq ft, about $356 per sq ft). That is 174% 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 $132/sq ft by about 170%. It has been 152 days on market. Listing facts: built in 1989, waterfront, HOA dues of $5/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1989 · 37 yrs
2,414 sq ft of living area
2-car garage
Listed at $860,000 — recent neighborhood median sale price ~$313,500 (nearby sales; deemed reliable, not an appraisal)
152 days on market
HOA $5/mo (per listing)
Listing description
About this home
If you crave breathtaking sunsets & a front-row seat to the best coastal living, this home delivers million-dollar unobstructed western views over Perdido Bay year-round! Life here naturally gravitates toward the water. Spend days on the 20x24 covered boathouse with built-in benches, cypress swing & two jet-ski lifts.
A 100-foot dock leads you straight to the bay, where dolphin play and bald eagles, osprey, herons & pelicans glide overhead. You can even brag that the U. S.
Navy Blue Angels practice right in view of your backyard. Two of the three en-suite bedrooms capture those same sweeping bay views, as do the spacious living area, kitchen, breakfast nook, and the 30x10 Sunroom room fitted with new Eco-View windows. With nearly half an acre and 80' of protected waterfront (secured by a seawall), you’ll have plenty of outdoor living, gardening, or simply relaxing under the shade of two mature oak trees.
Whether you’re hosting a crowd or enjoying a quiet evening, you’ll have options: a large open deck for al fresco dining or a generous indoor dining area. Interior features: Solid oak wood flooring in entry, hallways, dining room & living room, Ceramic tile throughout the rest of the home--no carpet, easy maintenance--No Stairs! Wood-burning corner fireplace, 2-car garage with built-in shelving, Washer, dryer, garage refrigerator, and chest freezer convey, SimpliSafe security system.
2025 Thor electric stovetop, SS LG refrigerator & wall oven/microwave combo, Fresh interior paint (2024), Electrical panel replaced April 2026 (separate panels for hot tub, dock & HVAC, Roof (2022), HVAC & thermostat (2020), Water heater (2021). Termite bond with Critter Gitter (renews in January). The community’s voluntary HOA—just $60/year—provides access to boat ramp, picnic table, benches, swing, BBQ.
when you do decide to leave paradise, you’re only 20 mins from Cordova Mall, the airport, Downtown Pensacola, and Perdido Key Beach.
All 72 photos
Description provided by LPT 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$860,000
Bed / bath3 / 3
Living area2,414 sq ft
Year built1989
Property typeSingle Family Residence
Garage2-car
MLS #681788
Listing status152 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~8 ft
CountyEscambia - Fl
Area listings2 active · 1 under contract
Estimated first-year tax~$9,030/yr
CDD assessmentNone on record
HOA$5/mo
Calculated estimates
Price per sq ft$356
Estimated monthly payment$5,970
Insurance (illustrative)$4k–$8k/yr
Messtimate range$289,680 – $340,374
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
$5,970/mo
Principal & interest $4,764/mo80%
Taxes $752/mo13%
Insurance $448/mo8%
HOA $5/mo0%
$5,970/mo at 20% down, 30-yr @ 7.4% · 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.
$445,846
Market value
$280,419
Assessed
$229,697
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
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)
$4k–$8k/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 AE — confirm flood 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
Zone AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~8 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 · 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 $356/sq ft.
Median sale price by year
12-month median closed price, 2013–2025.
Property timeline
This home’s history
1989BuiltPer public record
About May 2026Listed (per MLS)MLS reports 152 cumulative days on market as of October 10, 2026
Jul 2, 2026First seen on movewithmomentum.comObserved at $878,400
Aug 4, 2026Price cut$870,000 (-$8,400, -1.0%)
Sep 3, 2026Price cut$860,000 (-$10,000, -1.1%)
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 $860,000Momentum Realty · on market 152 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 May 2026
$312,000
3013 Christine St, Pensacola
3 / 2 bd/ba · 2,436 sq ft · $128/sq ft
Courtesy of OLD SOUTH PROPERTIES INC · View details →
Sold Mar 2026
$280,000
3005 Christine St, Pensacola
4 / 3 bd/ba · 2,445 sq ft · $115/sq ft
Courtesy of Emerald Coast Realty Pros · View details →
Sold Aug 2026
$315,000
3149 Windjammer Ct, Pensacola
4 / 2 bd/ba · 2,320 sq ft · $136/sq ft
Courtesy of KELLER WILLIAMS REALTY GULF COAST · View details →
Sold Oct 2025
$275,000
5199 Zachary Blvd, Pensacola
4 / 2 bd/ba · 2,300 sq ft · $120/sq ft
Courtesy of MARK DOWNEY & ASSOCIATES, INC. · View details →
Sold Jan 2026
$315,000
3216 Tallship Ln, Pensacola
4 / 2 bd/ba · 2,238 sq ft · $141/sq ft
Courtesy of Pensacola Househunters, LLC · View details →
Sold Mar 2026
$394,000
5935 Makenna Dr, Pensacola
4 / 2 bd/ba · 2,206 sq ft · $179/sq ft
Courtesy of Tropic Shores Realty, LLC · View details →
Median of these 6 sales: $313,500 ($132/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.
$289,680the mess$340,374
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: $860,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 18% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1989 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $5/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
1 active listing competing, 1 under contract
≈24.0 months of supply
1 closed here in the last 12 months
For reference, this home is listed at $860,000 ($356/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: 2,414 sq ft × $120–$141/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 10, 2026.
Momentum Scores
Momentum Property Score
21/100
Strongest on: Flood safety (45), Market liquidity (35)
0 limited50100 exceptional
21/100 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 $356/sq ft vs the community 12-month median $132/sq ft.
Affordability0
List price $860,000 vs the community median $313,500. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~8 ft elevation. Verify the parcel with FEMA.
Insurance cost26
From FEMA Zone AE and a 1989 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~24.0 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.
🟡 Asking $356 per square foot, about 170% above the community’s $132 median. Ramsey Beach’s 12-month median sold price per square foot is $132. 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.
Updated October 10, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by LPT Realty · MLS # 681788
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Keep looking
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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.
7977 Otis Way, Pensacola · $320,000 · 3 bd / 2.0 ba · listed October 10, 2026 (courtesy of Better Homes And Gardens Real Estate Main Street Properties)
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5609 Ponte Verde Rd, Pensacola · $669,900 · 3 bd / 2.0 ba · listed October 9, 2026 (courtesy of ASSIST 2 SELL REAL ESTATE)
815 W Moreno St, Pensacola · $490,900 · 4 bd / 3.0 ba · listed October 9, 2026 (courtesy of Coldwell Banker Realty)
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 - 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.
BellviewAssigned elementary school · Escambia - Fl County School District
BELLVIEWAssigned middle school · Escambia - Fl County School District
Pine ForestAssigned 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 3491 Maikai Dr, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1989 (37 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.
FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
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.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 2,414 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 $9,030/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 10, 2026)
Comparable sales
Pensacola MLS closed sales within about 3 miles, last 18 months, as of July 13, 2026
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 3491 Maikai Dr and when was it built?
Per the listing record, 3491 Maikai Dr was built in 1989 and has 2,414 sq ft of living area, 3 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3491 Maikai Dr in?
3491 Maikai Dr is in Ramsey Beach in Pensacola, Escambia - Fl County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3491 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 3491 Maikai Dr differ from the current owner's?
The estimate on this page (about $9,030 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 3491 Maikai Dr in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
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 3491 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 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.
