118 days on market (MLS)Single Family Residence▼ Price cut: $50,100 (9/29)
$1,199,900
3-Bedroom Home in Innerarity Island
5402 North Shore Rd, Pensacola, FL 32507
Single Family Residence in Innerarity Island, Pensacola · No CDD on record · Built 2024
Innerarity Island · Pensacola, FL 32507 · Escambia - Fl County
Listing data updated October 13, 2026 at 6:02 AM ET · checked against the MLS hourly
3Bedrooms
2.5Bathrooms
2,306Sq Ft
2024Year Built
$520Per Sq Ft
3-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.
111% above
$/sq ft vs community
$520 here vs $246 median sold (12 mo)
Buyer leverage
Strong buyer advantage
118 days on market
15.4 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~5 ft elevation
$3k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 13, 2026, 5402 North Shore Rd in Innerarity Island, Pensacola is listed at $1,199,900 (2,306 sq ft, about $520 per sq ft). That is 112% above Innerarity Island's median closed sale of $565,000 over the last 12 months (7 recorded sales). Per square foot it is above the community's recent $246/sq ft by about 111%. It has been 118 days on market. Listing facts: built in 2024, HOA dues of $43/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 2024 · 2 yrs
2,306 sq ft of living area
3-car garage
Listed at $1,199,900 — recent neighborhood median sale price ~$565,000 (nearby sales; deemed reliable, not an appraisal)
118 days on market
HOA $43/mo (per listing)
Listing description
About this home
This gorgeous, newly custom-built home is the epitome of coastal luxury & fortification. Its unparalleled western views over the Intercoastal Waterway, paired with exceptional design & construction standards, make this a once in a lifetime home. The property includes 3 beds, 2.5 baths across 2306 sqft indoors, 2612 sqft of storage & a 3 car garage, and 933 sqft of outdoor living area.
The vaulted ceilings and vast windows of the main room bring in abundant natural light and views. The screened-in deck offers exceptional sunsets, a hardline gas outdoor kitchen, a hot tub on a reinforced deck, and custom retractable shades. All living area is on the single upper level where you enjoy the safety & views of the elevated home with the convenience of the full-size elevator!
Uncompromising standards are evident throughout and begin well beyond what can be seen. Boasting a Gold Fortification Standard, the home exceptionally built and is very affordably insured. The entire structure sits above the flood zone, allowing the garage level to have a bathroom, elevator access, and all be insured!
All windows and doors are impact resistant glass, always keeping the home protected. The vast list of upgrades continue with 2 Geothermal HVAC systems, full metal roof, all composite decking, tankless gas water heater, central vacuum system, all stainless & aluminum handrail systems, high end shower jet systems, all automatic shades, backlit granite throughout the custom kitchen and wet bar, 400 amp power supply with 2 EV chargers, whole house water filtration system, reverse osmosis system, large horseshoe drive, and fans, heaters, & speakers throughout the decks and garage. The foundation is wrapped by a professionally installed retaining bed, designed for protection and green thumb enthusiasts.
All of this, nestled within the private, quiet, elegant Innerarity Island neighborhood with a community park and beach boardwalk walking distance away. Don’t miss this stunning opportunity!
All 72 photos
Description provided by McDaniel Properties 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$1,199,900
Bed / bath3 / 2.5
Living area2,306 sq ft
Year built2024
Property typeSingle Family Residence
Garage3-car
MLS #683667
Listing status118 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~5 ft
CountyEscambia - Fl
Area listings9 active · 0 under contract
Estimated first-year tax~$12,599/yr
CDD assessmentNone on record
HOA$43/mo
Calculated estimates
Price per sq ft$520
Estimated monthly payment$8,071
Insurance (illustrative)$3k–$6k/yr
Messtimate range$532,686 – $1,102,268
Comparable-sales median$565,000
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
$8,071/mo
Principal & interest $6,646/mo82%
Taxes $1,050/mo13%
Insurance $332/mo4%
HOA $43/mo1%
$8,071/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.
$741,146
Market value
$741,146
Assessed
$690,424
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)
$3k–$6k/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
$43/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
~5 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 · Innerarity Island
Pricing & the Innerarity Island market
How this home is priced against recent nearby sales, and where Innerarity Island 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 Innerarity Island
Each dot is a closed sale since 2005 (165 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 $520/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 25 (cold).
Property timeline
This home’s history
2024BuiltPer public record
About Jun 2026Listed (per MLS)MLS reports 118 cumulative days on market as of October 13, 2026
Jul 2, 2026First seen on movewithmomentum.comObserved at $1,300,000
Aug 17, 2026Price cut$1,250,000 (-$50,000, -3.8%)
Sep 29, 2026Price cut$1,199,900 (-$50,100, -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 $1,199,900Momentum Realty · on market 118 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 Innerarity Island 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 Feb 2026
$720,000
5579 North Shore Way, Pensacola
4 / 3 bd/ba · 2,333 sq ft · $309/sq ft
Courtesy of POINTE SOUTH · View details →
Sold Feb 2026
$720,000
5579 North Shore Way, Pensacola
4 / 3 bd/ba · 2,333 sq ft · $309/sq ft
Courtesy of POINTE SOUTH · View details →
Sold Apr 2026
$520,000
5304 N Shore Rd, Pensacola
4 / 3 bd/ba · 2,247 sq ft · $231/sq ft
Courtesy of Poppy Properties LLC · View details →
Sold Apr 2026
$520,000
5304 N Shore Rd, Pensacola
4 / 3 bd/ba · 2,247 sq ft · $231/sq ft
Courtesy of Poppy Properties LLC · View details →
Sold Aug 2026
$1,175,000
5470 North Shore Rd, Pensacola
3 / 2.5 bd/ba · 2,457 sq ft · $478/sq ft
Courtesy of Levin Rinke Realty · View details →
Sold Aug 2026
$1,175,000
5470 North Shore Rd, Pensacola
3 / 2.5 bd/ba · 2,457 sq ft · $478/sq ft
Courtesy of Levin Rinke Realty · View details →
Median of these 6 sales: $565,000 ($246/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.
$532,686the mess$1,102,268
Stronger local evidence — 6 comparable closed sales in Innerarity Island, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $1,199,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 107% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
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 — this home carries HOA dues of $43/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:
This home: 118 days on market vs. a 117-day community median
4 active listings competing, 2 under contract
≈15.4 months of supply
8 closed here in the last 12 months
For reference, this home is listed at $1,199,900 ($520/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: 2,306 sq ft × $231–$478/sq ft (interquartile band of 6 comparable closed sales in Innerarity Island, 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
38/100
Strongest on: Pricing power (87), Market timing (75)
0 limited50100 exceptional
38/100 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 $520/sq ft vs the community 12-month median $246/sq ft.
Affordability0
List price $1,199,900 vs the community median $565,000. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~5 ft elevation. Verify the parcel with FEMA.
Insurance cost45
From FEMA Zone AE and a 2024 build. Obtain a property-specific quote.
Market liquidity15
Community median 117 days on market, ~15.4 months of supply (12-month record).
Pricing power87
Recent sales closed at about 90.6% of original asking (~9.4% below). More room below asking generally favors buyers.
Market timing75
Momentum Market Heat is 25/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
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.
🟡 Asking $520 per square foot, about 111% above the community’s $246 median. Innerarity Island’s 12-month median sold price per square foot is $246. Median sold price per square foot is down 21.4% year over year. Confidence: Low · 7 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 Innerarity Island sales closed near 90.6% 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 9 active listings in Innerarity Island, 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 McDaniel Properties · MLS # 683667
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Keep looking
Similar homes for sale near Innerarity Island
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 · Parks Amenities
Pensacola opens public vote on Fricker Center playground design
Public voting on the new playground design for the Fricker Resource Center in Pensacola runs October 2 through October 23, 2026. The playground is part of a $9.5 million Fricker Resource Center renovation funded by 2023 grant money and some Local Option Sales Tax funds. The renovated center is scheduled to reopen in summer 2027.
Why it matters: A renovated community center and new playground would add recreation amenities for nearby Pensacola residents when it reopens in 2027. The site is about 1 mile northeast of Innerarity Island.
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 11 miles northwest of Innerarity Island.
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 4 miles northeast of Innerarity Island.
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.
Hellen CaroAssigned elementary school · Escambia - Fl County School District
BAILEYAssigned middle school · Escambia - Fl County School District
EscambiaAssigned 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 5402 North Shore Rd, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2024: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $43/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.
Listed living area is 2,306 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 $12,599/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 in Innerarity Island, 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 5402 North Shore Rd and when was it built?
Per the listing record, 5402 North Shore Rd was built in 2024 and has 2,306 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 5402 North Shore Rd in?
5402 North Shore Rd is in Innerarity Island in Pensacola, Escambia - Fl County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 5402 North Shore Rd have an HOA, and how much are the dues?
The listing reports HOA dues of $43 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 5402 North Shore Rd differ from the current owner's?
The estimate on this page (about $12,599 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 5402 North Shore Rd 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 5402 North Shore Rd 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.
