56 days on market (MLS) Single Family Residence ▼ Price cut: $55,000 (9/29)
$695,000
3-Bedroom Home in Century

3697 Hwy 168, Century, FL 32535

Single Family Residence in Century · No CDD on record · Built 2022
Century, FL 32535 · Escambia - Fl County
Listing data updated October 5, 2026 · refreshed hourly
3Bedrooms
2.5Bathrooms
2,161Sq Ft
2022Year Built
$322Per Sq Ft
No CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
Buyer leverage
Balanced market
56 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~273 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.

Sources: Pensacola MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

As of October 5, 2026, 3697 Hwy 168 in Century is listed at $695,000 (2,161 sq ft, about $322 per sq ft). It has been 56 days on market. Listing facts: built in 2022, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 2022 · 4 yrs
  • 2,161 sq ft of living area
  • 56 days on market
  • No HOA reported by the listing (confirm)
Listing description

About this home

20 ACRES. 2 HOMES. ONE RARE OPPORTUNITY!

Escape to your own 20-acre private world with two homes in Century, Florida—where freedom, self-sufficiency, and endless possibility wait! Create the ultimate homestead. Raise livestock behind the existing electrified fence on the front three acres.

Plant gardens, orchards, or pasture. With this much land and privacy, the only limit is your imagination. The main home is a spacious 2,161-square-foot retreat designed for real living.

An open-concept layout flows from living and dining areas into a warm, functional kitchen featuring white shaker cabinetry with pull out drawers, a large butcher-block island, and stainless-steel appliances. LVP flooring runs throughout, and the smart split-bedroom plan keeps the primary suite completely private. Step into the luxurious primary bathroom with dual sinks, a jetted tub, and a glass walk-in shower with rain head and bench.

Two additional bedrooms share a full bath, while French doors open to a covered back patio and a versatile bonus room perfect for an office or extra storage. Covered front porch and two-car carport complete the picture. Just steps away, the cozy 1,152-square-foot guest house feels thoughtfully designed and highly flexible—ideal as a mother-in-law suite, private guest quarters, or income-producing rental.

Modern sliding barn doors separate each room, creating a warm, intentional flow. The kitchen offers butcher-block counters, LVP flooring runs throughout, and a loft above the living area delivers abundant storage with a convenient pulley system. A large covered front patio and carport add the finishing touch.

Two complete homes. Twenty acres of pure potential. Ready for the life you’ve been waiting to build.

*Red island topper in guest house does not convey. It will be switched to a butcher block top* AERIAL VIDEO: https://youtu. be/J6dFUL8T3hM

All 68 photos

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Description provided by LPT Realty and reproduced from the MLS; not independently verified.

Listing courtesy of LPT Realty · Listing agent: Jennifer Mcgregor · 877-366-2213Provided 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$695,000
Bed / bath3 / 2.5
Living area2,161 sq ft
Year built2022
Property typeSingle Family Residence
MLS #686984
Listing status56 days on market (MLS)

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~273 ft
CountyEscambia - Fl
Estimated first-year tax~$7,298/yr
CDD assessmentNone on record
HOANone reported

Calculated estimates

Price per sq ft$322
Estimated monthly payment$4,614
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

$4,614/mo
  • Principal & interest $3,804/mo 82%
  • Taxes $608/mo 13%
  • Insurance $202/mo 4%

$4,614/mo at 20% down, 30-yr @ 7.28% · edit any field to update.

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

Cost to own

Property taxes

✓ Certified county tax roll
$206,336
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.
$424,648
Market value
$269,034
Assessed
$218,312
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: 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
None reported

The listing reports no HOA. Confirm with the county record that no mandatory association applies.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~273 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.

Property timeline

This home’s history

  • 2022BuiltPer public record
  • About Aug 2026Listed (per MLS)MLS reports 56 cumulative days on market as of October 5, 2026
  • Aug 7, 2026First seen on movewithmomentum.comObserved at $795,000
  • Sep 12, 2026Price cut$750,000 (-$45,000, -5.7%)
  • Sep 29, 2026Price cut$695,000 (-$55,000, -7.3%)
  • 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 $695,000Momentum Realty · on market 56 days
Public records

Building permits

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

Comparable recent sales

No closed sales of a similar home within about 10 miles in Escambia - Fl County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for Century, FL. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.

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 - Fl County in the last 18 months. None qualify 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 2,161 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 5, 2026.

Seen enough photos?

Want to see 3697 Hwy 168?

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 LPT Realty · MLS # 686984

Request a showing

or call (904) 351-6461
Keep looking

Similar homes for sale near Century

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 Century

  • 1008 Northview Dr · $179,000 · 3 bd / 1.0 ba · listed October 4, 2026 (courtesy of EXP Realty, LLC)
  • 6114 Louisville Ave · $89,500 · 6 bd / 2.0 ba · listed October 4, 2026 (courtesy of SIMMONS REALTY GROUP, INC)
  • 1650 Winston St · $629,000 · 4 bd / 3.0 ba · listed October 4, 2026 (courtesy of Engel & Volkers Pensacola)
  • 1111 Ft Pickens Rd #122 · $650,000 · 2 bd / 2.5 ba · listed October 4, 2026 (courtesy of Connell & Company Realty Inc.)
  • 7057 Weatherwood Dr · $250,000 · 3 bd / 2.0 ba · listed October 3, 2026 (courtesy of Expansion Realty)
  • 6200 Arthur Brown Rd · $269,000 · 3 bd / 1.0 ba · listed October 3, 2026 (courtesy of CENTURY 21 AMERISOUTH REALTY)

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

Assigned schools

Assigned schools

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.

BrattAssigned elementary school · Escambia - Fl County School District
ERNEST WARDAssigned middle school · Escambia - Fl County School District
NorthviewAssigned high school · Escambia - Fl County School District
Nearby & guides

City, county & community guides

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

City
Century

Groceries, dining, and parks for this city — see the city guide.

View →
County
Escambia - Fl

Schools, taxes, and services are county-administered — see the county guide.

Community
Century

Amenities and HOA/CDD detail on the neighborhood guide.

Before you decide

Buyer research checklist

Items worth confirming for 3697 Hwy 168, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2022: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
  • The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
  • FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
  • Get a homeowners insurance quote for this specific address in Escambia - Fl County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
  • Listed living area is 2,161 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 $7,298/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 recordPensacola MLS, refreshed hourly (last: October 5, 2026)
Comparable salesFewer than 3 defensible closed sales within about 10 miles in Escambia - Fl County — no medians or automated estimate shown
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costTypical county effective rate applied to the list price; 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 3697 Hwy 168 and when was it built?

Per the listing record, 3697 Hwy 168 was built in 2022 and has 2,161 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 3697 Hwy 168 in?

3697 Hwy 168 is in Century, Escambia - Fl 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 3697 Hwy 168 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 3697 Hwy 168 differ from the current owner's?

The estimate on this page (about $7,298 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 3697 Hwy 168 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.

Ready when you are

See 3697 Hwy 168 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.

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.