4060 Indigo Dr #307, Pensacola, FL 32507
Sources: Pensacola MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 14, 2026, 4060 Indigo Dr #307 in Laguna Pointe, Pensacola is listed at $439,900 (1,496 sq ft, about $294 per sq ft). That sits within a few percent of Laguna Pointe's median closed sale of $450,000 over the last 12 months (3 recorded sales). It came to market within the past week. Listing facts: built in 2004, waterfront, HOA dues of $840/mo. The parcel maps to FEMA flood zone VE, 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 2004 · 22 yrs
- 1,496 sq ft of living area
- Listed at $439,900 — recent neighborhood median sale price ~$450,000 (nearby sales; deemed reliable, not an appraisal)
- Active listing
- HOA $840/mo (per listing)
About this home
Tucked away in a quiet setting off Gulf Beach Highway, Laguna Pointe is one of the Perdido area’s hidden gems. Bordered by the Landfall subdivision to the west and protected NAS Pensacola property to the east, the community offers a peaceful setting surrounded by natural beauty. Unit 307 is a top-floor, 3-bedroom, 2-bath condo featuring brand-new COREtec LVP flooring and a spacious open-concept living, dining, and kitchen area.
The kitchen is nicely appointed with granite countertops, stainless steel appliances, ample cabinetry, and plenty of workspace. Updated lighting fixtures throughout the condo add a fresh, modern touch. The spacious primary suite includes an ensuite bath with a double vanity, garden tub, and separate shower.
Large patio doors in both the living room and primary bedroom open to the private balcony, creating an easy connection to the outdoors. Located near the south end of the building, Unit 307 enjoys beautiful views toward the lagoon and Intracoastal Waterway, along with incredible Florida sunrises. At the southern end of the property, Laguna Pointe meets the Intracoastal Waterway, where residents can enjoy a waterfront pool and community pier—perfect for taking advantage of the coastal setting.
Laguna Pointe does not allow short-term rentals, helping maintain the quieter residential atmosphere that makes this community so appealing. Whether you are looking for a full-time residence or a second home near Perdido Key, Unit 307 offers the opportunity to enjoy waterfront surroundings without the constant turnover and activity of a vacation-rental complex. Come see this peaceful corner of Perdido and everything Laguna Pointe has to offer!
All 49 photos
Description provided by Emerald Coast Realty Pros and reproduced from the MLS; not independently verified.
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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $2,437/mo 60%
- Taxes $571/mo 14%
- Insurance $183/mo 5%
- HOA $840/mo 21%
$4,031/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateThe estimate for a new owner and the current owner’s estimated bill are within a few percent of each other. Exemptions, portability and any change in millage will move the actual bill.
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.
What it really costs to own 4060 Indigo Dr #307
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 $6,775/yr (certified county roll, taxable value × millage). Buy at the asking price of $439,900 and the first-year bill resets to about $6,850/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 | $840/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 $1,500–$3,000/yr; neither is a quote. Flood: this address maps to FEMA zone VE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 2004. An original roof would be about 22 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 $1,608/month (tax $571, HOA $840, insurance $197). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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.
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.
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.
Internet & broadband
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Laguna Pointe market
How this home is priced against recent nearby sales, and where Laguna Pointe 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.
This home’s history
- 2004BuiltPer public record
- Oct 14, 2026First seen on movewithmomentum.comObserved at $439,900
- 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.
Price & listing history
Building permits
Comparable recent sales
3 closed sales in Laguna Pointe 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.
Median of these 3 sales: $450,000 ($301/sq ft). Directional only — a small or wide-radius sample. Shown for general reference only — not an appraisal or a statement of this home’s value.
Momentum Property Score
51/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $294 per square foot, about in line with the community’s $301 median. Laguna Pointe’s 12-month median sold price per square foot is $301. MLS 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: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Emerald Coast Realty Pros · MLS # 690124
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Similar homes for sale near Laguna Pointe
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.
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Recently off market in Laguna Pointe
- 4060 Indigo Dr #114 · last listed $389,900 · 2026-10-03
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
More on Laguna Pointe
Go deeper on Laguna Pointe
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
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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 4060 Indigo Dr #307, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2004 (22 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
- FEMA flood zone VE: 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 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 1,496 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 $6,850/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are approximately equal to the current owner’s estimated bill. 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.
Data sources & freshness
| Listing record | Pensacola MLS, checked against the MLS hourly (last: October 14, 2026) |
| Comparable sales | Pensacola MLS closed sales in Laguna Pointe, last 18 months, as of October 14, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone VE shown above) |
| 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.
Frequently asked questions
How big is 4060 Indigo Dr #307 and when was it built?
Per the listing record, 4060 Indigo Dr #307 was built in 2004 and has 1,496 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 4060 Indigo Dr #307 in?
4060 Indigo Dr #307 is in Laguna Pointe in Pensacola, Escambia County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 4060 Indigo Dr #307 have an HOA, and how much are the dues?
The listing reports HOA dues of $840 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 4060 Indigo Dr #307 differ from the current owner's?
The estimate on this page (about $6,850 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are approximately equal to the current owner’s estimated bill. 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 4060 Indigo Dr #307 in a flood zone?
The FEMA flood map places this parcel in Zone VE, 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.
See 4060 Indigo Dr #307 in person
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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.
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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.