Single Family Residence in Pen Haven, Pensacola · No CDD on record
Pen Haven · Pensacola, FL 32506 · Escambia County
Listing data updated October 19, 2026 at 12:57 PM ET · checked against the MLS hourly
Listed by NextHome Emerald Coast (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
1Bathrooms
989Sq Ft
1953Year Built
$152Per Sq Ft
No 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.
7% above
$/sq ft vs community
$152 here vs $142 median sold (12 mo)
Buyer leverage
Strong seller market
17 days on market
1.8 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$500–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 19, 2026, 48 Pen Haven Dr in Pen Haven, Pensacola is listed at $150,000 (989 sq ft, about $152 per sq ft). That sits within a few percent of Pen Haven's median closed sale of $154,500 over the last 12 months (12 recorded sales). It has been 17 days on market, well inside the community's typical 53 days. Listing facts: built in 1953, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1953 · 73 yrs
989 sq ft of living area
Listed at $150,000 — recent neighborhood median sale price ~$154,500 (nearby sales; deemed reliable, not an appraisal)
17 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
Welcome home! This Pensacola home is ready for its next owner, whether you're looking for an easy, move-in ready start or want to get closer to the beach without paying beach home prices. It's a strong fit for anyone who wants a low-maintenance home close to Pensacola's beaches, dining and entertainment.
Homes with this kind of recent upkeep at this price point don't sit long, so schedule your showing today!
All 23 photos
Description provided by NextHome Emerald Coast 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$150,000
Bed / bath3 / 1
Living area989 sq ft
Year built1953
Property typeSingle Family Residence
MLS #689744
Listing statusPending
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~80 ft
CountyEscambia
Area listings2 active · 3 under contract
Estimated first-year tax~$1,750/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$152
Estimated monthly payment$1,058
Insurance (illustrative)$500–$2k/yr
Messtimate range$92,966 – $173,075
Comparable-sales median$154,500
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
$1,058/mo
Principal & interest $831/mo79%
Taxes $146/mo14%
Insurance $81/mo8%
$1,058/mo at 20% down, 30-yr @ 7.4% · 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 $1,375/yr ($115/mo) — taxable value $78,601 × 17.54 mills
$375 more each year
(+27%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$2,617
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.
$81,218
Market value
$78,601
Assessed
$78,601
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 48 Pen Haven 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 $1,375/yr (certified county roll, taxable value × millage). Buy at the asking price of $150,000 and the first-year bill resets to about $1,750/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
The listing states there is no HOA.
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 $500–$1,500/yr; neither is a quote.
Roof and age
Built in 1953. An original roof would be about 73 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 $343/month (tax $146, 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)
$500–$2k/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
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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~80 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 · Pen Haven
Pricing & the Pen Haven market
How this home is priced against recent nearby sales, and where Pen Haven 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.
Price vs. size in Pen Haven
Each dot is a closed sale since 2005 (205 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Pensacola MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2018–2026. This home lists at $152/sq ft.
Median sale price by year
12-month median closed price, 2013–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 48 (normal).
Property timeline
This home’s history
1953BuiltPer public record
About Oct 2026Listed (per MLS)MLS reports 17 cumulative days on market as of October 19, 2026
Oct 1, 2026First seen on movewithmomentum.comObserved at $150,000
NowUnder contractCurrently 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 $150,000Momentum Realty · on market 17 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 in Pen Haven 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 Oct 2026
$40,000
8 Union Ct, Pensacola
3 / 2 bd/ba · 1,000 sq ft · $40/sq ft
Courtesy of Voyage Real Estate LLC · View details →
Sold Dec 2025
$144,000
4957 Elsa Ave, Pensacola
3 / 1 bd/ba · 1,000 sq ft · $144/sq ft
Courtesy of HomeSmart Sunshine Realty · View details →
Sold Dec 2025
$129,500
31 Randolph Dr, Pensacola
3 / 1 bd/ba · 918 sq ft · $141/sq ft
Courtesy of First Town Properties LLC · View details →
Sold Dec 2025
$85,000
50 Pen Haven Dr, Pensacola
3 / 1 bd/ba · 904 sq ft · $94/sq ft
Courtesy of ERIC GLEATON REALTY, INC · View details →
Sold Jan 2026
$190,000
1106 N 50th Ave, Pensacola
3 / 2 bd/ba · 1,086 sq ft · $175/sq ft
Courtesy of Beycome of Florida, LLC · View details →
Sold Feb 2026
$220,000
4953 Martha Ave, Pensacola
3 / 2 bd/ba · 1,120 sq ft · $196/sq ft
Courtesy of KELLER WILLIAMS REALTY GULF COAST · View details →
Median of these 6 sales: $154,500 ($142/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
49/100
Strongest on: Market liquidity (68), Affordability (55)
0 limited50100 exceptional
49/100 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.
Price vs area32
This home $152/sq ft vs the community 12-month median $142/sq ft.
Affordability55
List price $150,000 vs the community median $154,500. Not a measure of personal affordability.
Market liquidity68
Community median 53 days on market, ~1.8 months of supply (12-month record).
Pricing power40
Recent sales closed at about 100.0% of original asking (~0.0% below). More room below asking generally favors buyers.
Market timing52
Momentum Market Heat is 48/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
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 $152 per square foot, about 7% above the community’s $142 median. Pen Haven’s 12-month median sold price per square foot is $142. Median sold price per square foot is up 1.0% year over year. Confidence: Medium · 12 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.
Recent Pen Haven sales closed near 100.0% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Pensacola MLS records, community-level, 12 months ending July 13, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 2 active listings in Pen Haven, no CDD assessment.
Updated October 19, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 48 Pen Haven Dr?
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 NextHome Emerald Coast · MLS # 689744
Request a showing
Keep looking
Similar homes for sale near Pen Haven
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 · Schools
Escambia schools plan to close Lincoln Park Elementary and redraw attendance zones
Escambia County Public Schools plans to close Lincoln Park Elementary because enrollment is below 300, with state data showing 202 students for 2025-26. A zoning advisory committee was asked to redraw boundaries, with Brentwood Elementary (397 students) and Ensley Elementary (465 students) named as likely receiving schools. The article is an opinion piece that reports these district figures.
Why it matters: Attendance zone changes could alter school assignments, bus routes and daily travel for households around the affected Pensacola-area campuses. The site is about 3 miles north of Pen Haven.
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 8 miles north of Pen Haven.
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 6 miles northeast of Pen Haven.
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.
GRADEC
West PensacolaAssigned elementary school · Escambia County School District · Grade C (Florida DOE 2025-26)
GRADEC
WARRINGTONAssigned middle school · Escambia County School District · Grade C (Florida DOE 2025-26)
GRADEC
EscambiaAssigned 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 48 Pen Haven Dr, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1953 (73 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.
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.
Listed living area is 989 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 $1,750/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $375 more per year than the current owner’s estimated bill (+27%). 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 19, 2026)
Comparable sales
Pensacola MLS closed sales in Pen Haven, 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 48 Pen Haven Dr and when was it built?
Per the listing record, 48 Pen Haven Dr was built in 1953 and has 989 sq ft of living area, 3 bedrooms and 1.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 48 Pen Haven Dr in?
48 Pen Haven Dr is in Pen Haven in Pensacola, Escambia County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 48 Pen Haven 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 48 Pen Haven Dr differ from the current owner's?
The estimate on this page (about $1,750 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $375 more per year than the current owner’s estimated bill (+27%). 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 48 Pen Haven 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 48 Pen Haven 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.
