645 Lost Key Dr #506, Pensacola, FL 32507
Sources: Pensacola MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 19, 2026, 645 Lost Key Dr #506 in Lost Key Golf & Beach Club, Pensacola is listed at $515,000 (1,572 sq ft, about $328 per sq ft). It came to market within the past week. Listing facts: built in 2007, HOA dues of $1,429/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 2007 · 19 yrs
- 1,572 sq ft of living area
- New to market
- HOA $1,429/mo (per listing)
This home’s history
- 2007BuiltPer public record
- Aug 29, 2026First trackedObserved at $515,000
- NowActiveCurrently for sale
Build year is from public record. Listing 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.
Estimated monthly payment
- Principal & interest $2,727/mo 57%
- Taxes $451/mo 9%
- Insurance $204/mo 4%
- HOA $1,429/mo 30%
$4,811/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Based on certified county tax rollAdjust for your exemptions, portability, and down payment
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.
Sources: Florida DOR certified tax roll (2025), Pensacola MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Property Score
41/100 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.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $328 per square foot, about in line with the community’s $328 median. Lost Key Golf & Beach Club’s 12-month median sold price per square foot is $328. 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: a golf-course community, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 19, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
It’s all about location and San Anton at Lost Key Golf & Beach Club delivers it beautifully. Nestled in Perdido Key, FL between Pensacola and Orange Beach, this vibrant coastal community offers an exceptional lifestyle for the whole family. Enjoy a round of golf and then relax at the golf clubhouse or head to the tennis and pickleball courts around the corner.
Beachgoers can bike, walk, or take the complimentary shuttle to the Gulf front Beach Club where a pool, restaurant, bar and beach chair service create the perfect day of sun, sand, dining, and drinks. Explore scenic walking and biking trails, cool off in San Anton’s private pool or unwind on your private screened balcony while reading, watching boats glide along the Intracoastal or taking in the ever changing views from peaceful mornings to spectacular sunsets. It’s all about location continues.
Unit 506 delivers - a bright, airy end unit filled with abundant natural light from two extra windows offering more expansive views of the Intracoastal Waterway and the 17th and 18th holes of the Arnold Palmer designed championship golf course just steps away from this beautifully maintained Lost Key property. Inside, the spacious split bedroom floor plan features three generously sized bedrooms, a large kitchen with stainless steel appliances, granite countertops, custom backsplash and a breakfast bar, plus an expansive great room and dining area with floor to ceiling double doors that open to the screened balcony. Freshly painted and lightly furnished Unit 506 is ready to enjoy immediately while giving you the freedom to style it your way.
As a standalone condominium building, San Anton offers its residents a private, uncrowded area with room to play and relax. This end unit layout also provides two additional closets for valuable additional storage, plus a deeded storage unit and deeded parking spot. San Anton Unit 506 offers the ideal blend of comfort, natural light, amenities and location.
All 45 photos
Description provided by RE/MAX HORIZONS REALTY 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
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.
Actual list price: $515,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% 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 — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — this home carries HOA dues of $1,429/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:
- 610 active listings competing, 235 under contract
For reference, this home is listed at $515,000 ($328/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 1,572 sq ft × $289–$367/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 19, 2026.
Similar homes for sale near Lost Key Golf & Beach Club
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in Lost Key Golf & Beach Club
- 1923 Crown Pointe Blvd · $450,000 · 4 bd / 2.0 ba · listed September 17, 2026 (courtesy of Kaiser Sotheby's International Realty)
- 1240 Bridge Creek Ter · $174,500 · 3 bd / 2.0 ba · listed September 17, 2026 (courtesy of Coldwell Banker Realty)
- 13555 Perdido Key Dr #5CU · $269,000 · 1 bd / 1.0 ba · listed September 17, 2026 (courtesy of Perdido Key Resort Realty LLC)
- 13555 Perdido Key Dr #B8 · $359,000 · 3 bd / 2.5 ba · listed September 17, 2026 (courtesy of Perdido Key Resort Realty LLC)
- 1271 Trammel Blvd · $255,000 · 3 bd / 2.0 ba · listed September 16, 2026 (courtesy of Coldwell Banker Realty)
- 312 N Davis Hwy · $399,000 · 2 bd / 1.0 ba · listed September 16, 2026 (courtesy of Octavius Real Estate)
Price & listing history
Building permits
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.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by RE/MAX HORIZONS REALTY · MLS # 688252
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Recent sales activity in Lost Key Golf & Beach Club
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Lost Key Golf & Beach Club neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Assigned schools
Schools currently assigned to this address in Escambia - Fl County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 645 Lost Key Dr #506, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2007 (19 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 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 1,572 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 $5,408/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
Amenities and HOA/CDD detail on the neighborhood guide.
Data sources & freshness
| Listing record | Pensacola MLS, refreshed twice daily (last: September 19, 2026) |
| Community market stats | Pensacola MLS closed sales, as of September 19, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| 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 645 Lost Key Dr #506 and when was it built?
Per the listing record, 645 Lost Key Dr #506 was built in 2007 and has 1,572 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 645 Lost Key Dr #506 in?
645 Lost Key Dr #506 is in Lost Key Golf & Beach Club in Pensacola, Escambia - Fl County. The community section on this page shows recent closed sales, days on market, and active inventory for Lost Key Golf & Beach Club from the same MLS data.
Does 645 Lost Key Dr #506 have an HOA, and how much are the dues?
The listing reports HOA dues of $1,429 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 645 Lost Key Dr #506 differ from the current owner's?
The estimate on this page (about $5,408 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 645 Lost Key Dr #506 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.
See 645 Lost Key Dr #506 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 a typical county millage rate to the list price 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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