117 days on market (MLS)Single Family Residence▼ Price cut: $12,600 (10/6)
$299,900
4-Bedroom Home in Pebble Creek
4629 Pebble Creek Dr, Pensacola, FL 32526
Single Family Residence in Pebble Creek, Pensacola · No CDD on record
Pebble Creek · Pensacola, FL 32526 · Escambia - Fl County
Listing data updated October 13, 2026 at 6:03 AM ET · checked against the MLS hourly
4Bedrooms
2.5Bathrooms
2,390Sq Ft
1984Year Built
$125Per Sq Ft
2-car garageNo CDD on recordFEMA Zone X4 bedrooms
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.
29% below
$/sq ft vs community
$125 here vs $175 median sold (12 mo)
Buyer leverage
Buyer advantage
117 days on market
18.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~70 ft elevation
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 13, 2026, 4629 Pebble Creek Dr in Pebble Creek, Pensacola is listed at $299,900 (2,390 sq ft, about $125 per sq ft). That is 29% below Pebble Creek's median closed sale of $419,950 over the last 12 months (2 recorded sales). Per square foot it is below the community's recent $175/sq ft by about 29%. It has been 117 days on market. Listing facts: built in 1984, 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 1984 · 42 yrs
2,390 sq ft of living area
2-car garage
Listed at $299,900 — recent neighborhood median sale price ~$419,950 (nearby sales; deemed reliable, not an appraisal)
117 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
Welcome to 4629 Pebble Creek Drive - a stately brick two-story home tucked on an expansive 0.42-acre lot in one of Pensacola's established and sought-after Pebble Creek neighborhoods. With 2,390 sq ft of living space, multiple bathrooms, and classic craftsmanship, this property features the space, character, and value that's increasingly rare in today's market. Located in Escambia County with easy access to major commuter routes, shopping, dining, and within the Beulah Elementary and Pine Forest High School zones, this home features the perfect blend of suburban tranquility and everyday convenience.
Whether you're looking for a primary residence, investment property, or renovation project with excellent bones and a prime location, 4629 Pebble Creek Drive is an opportunity not to miss.
All 51 photos
Description provided by Beycome of Florida, LLC 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$299,900
Bed / bath4 / 2.5
Living area2,390 sq ft
Year built1984
Property typeSingle Family Residence
Garage2-car
MLS #684314
Listing status117 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~70 ft
CountyEscambia - Fl
Area listings3 active · 0 under contract
Estimated first-year tax~$3,149/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$125
Estimated monthly payment$2,086
Insurance (illustrative)$2k–$3k/yr
Messtimate range$372,840 – $437,370
Comparable-sales median$419,950
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
$2,086/mo
Principal & interest $1,661/mo80%
Taxes $262/mo13%
Insurance $163/mo8%
$2,086/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.
$305,755
Market value
$153,760
Assessed
$103,038
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)
$2k–$3k/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
~70 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 · Pebble Creek
Pricing & the Pebble Creek market
How this home is priced against recent nearby sales, and where Pebble Creek 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, 2018–2024. This home lists at $125/sq ft.
Median sale price by year
12-month median closed price, 2013–2024.
Property timeline
This home’s history
1984BuiltPer public record
About Jun 2026Listed (per MLS)MLS reports 117 cumulative days on market as of October 13, 2026
Jul 2, 2026First seen on movewithmomentum.comObserved at $339,500
Aug 4, 2026Price cut$329,500 (-$10,000, -2.9%)
Aug 12, 2026Price cut$320,000 (-$9,500, -2.9%)
Sep 17, 2026Price cut$312,500 (-$7,500, -2.3%)
Oct 6, 2026Price cut$299,900 (-$12,600, -4.0%)
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 $299,900Momentum Realty · on market 117 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 Sep 2026
$414,900
3671 Fallschase Blvd, Pensacola
4 / 3 bd/ba · 2,415 sq ft · $172/sq ft
Courtesy of D R Horton Realty of NW Florida, LLC · View details →
Sold Sep 2026
$376,000
3660 Fallschase Blvd, Pensacola
4 / 3 bd/ba · 2,415 sq ft · $156/sq ft
Courtesy of D R Horton Realty of NW Florida, LLC · View details →
Sold Sep 2026
$428,900
3317 Water Birch Rd, Cantonment
4 / 3 bd/ba · 2,415 sq ft · $178/sq ft
Courtesy of D R Horton Realty of NW Florida, LLC · View details →
Sold Jul 2026
$474,700
449 Man O War Cir, Cantonment
4 / 3 bd/ba · 2,353 sq ft · $202/sq ft
Courtesy of Century 21 BE3 · View details →
Sold Aug 2026
$425,000
3354 Bold Ruler Dr, Cantonment
4 / 2 bd/ba · 2,323 sq ft · $183/sq ft
Courtesy of Fathom Realty FL LLC · View details →
Sold Jun 2026
$345,900
7005 Brylington Blvd, Pensacola
4 / 3 bd/ba · 2,313 sq ft · $150/sq ft
Courtesy of Bay Living, Inc. · View details →
Median of these 6 sales: $419,950 ($175/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.
$372,840the mess$437,370
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: $299,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 17% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1984 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
2 active listings competing
≈18.0 months of supply
2 closed here in the last 12 months
For reference, this home is listed at $299,900 ($125/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: 2,390 sq ft × $156–$183/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 13, 2026.
Momentum Scores
Momentum Property Score
77/100
Strongest on: Price vs area (100), Affordability (98)
0 limited50100 exceptional
77/100 is strong 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 area100
This home $125/sq ft vs the community 12-month median $175/sq ft.
Affordability98
List price $299,900 vs the community median $419,950. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~70 ft elevation. Verify the parcel with FEMA.
Insurance cost58
From FEMA Zone X and a 1984 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~18.0 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 $125 per square foot, about 29% below the community’s $175 median. Pebble Creek’s 12-month median sold price per square foot is $175. Confidence: Low · 2 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 3 active listings in Pebble Creek, no CDD assessment.
Updated October 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Beycome of Florida, LLC · MLS # 684314
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Keep looking
Similar homes for sale near Pebble Creek
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 1 mile northeast of Pebble Creek.
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 Pebble Creek.
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.
BeulahAssigned elementary school · Escambia - Fl County School District
WOODHAMAssigned 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 4629 Pebble Creek Dr, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1984 (42 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
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 2,390 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 $3,149/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 13, 2026)
Comparable sales
Pensacola MLS closed sales within about 3 miles, last 18 months, as of July 13, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
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 4629 Pebble Creek Dr and when was it built?
Per the listing record, 4629 Pebble Creek Dr was built in 1984 and has 2,390 sq ft of living area, 4 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 4629 Pebble Creek Dr in?
4629 Pebble Creek Dr is in Pebble Creek in Pensacola, Escambia - Fl County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 4629 Pebble Creek Dr have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 4629 Pebble Creek Dr differ from the current owner's?
The estimate on this page (about $3,149 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 4629 Pebble Creek Dr 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 4629 Pebble Creek 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.
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.
