PendingSingle Family Residence▼ Price cut: $16,000 (8/22)
$365,990
3-Bedroom Home in Jubilee
6988 Terrapin Dr, Pace, FL 32571
Single Family Residence in Jubilee, Pace · No CDD on record · Built 2026
Jubilee · Pace, FL 32571 · Santa Rosa County
Listing data updated October 12, 2026 at 4:38 AM ET · checked against the MLS hourly
3Bedrooms
3Bathrooms
2,261Sq Ft
2026Year Built
$162Per Sq Ft
2-car garageNew constructionNo CDD on recordFEMA Zone X
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.
18% below
$/sq ft vs community
$162 here vs $198 median sold (12 mo)
Buyer leverage
Strong buyer advantage
238 days on market
180.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~203 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 12, 2026, 6988 Terrapin Dr in Jubilee, Pace is listed at $365,990 (2,261 sq ft, about $162 per sq ft). It has been 238 days on market. Listing facts: new construction, HOA dues of $107/mo. 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
New construction — built 2026
2,261 sq ft of living area
2-car garage
Listed at $365,990 — recent neighborhood median sale price ~$450,000 (nearby sales; deemed reliable, not an appraisal)
238 days on market
HOA $107/mo (per listing)
Listing description
About this home
This home offers a well-designed layout that allows multi-generational living or roommate potential since each bedroom is in a different part of the home with easy access to a bathroom for ultimate privacy. Upon entering the foyer, you’ll immediately notice a guest retreat to the left, complete with a bedroom, separate full bathroom and linen closet. This arrangement provides privacy and convenience for guests or family members.
To the right, a long wall presents the perfect opportunity for showcasing your cherished family photographs, adding a personal touch to your home. As you continue past the front bedroom, you’ll find an open dining room and great room, creating an inviting and spacious atmosphere for entertaining and relaxation. Just off the great room, an outdoor living area awaits, offering an ideal space for enjoying fresh air and creating lasting memories.
The great room seamlessly connects to the breakfast nook and kitchen, forming the heart of the home. The kitchen features an island with a sink and dishwasher, ensuring a convenient and efficient workspace. Whether you’re cooking a delicious meal or hosting a casual gathering, the open layout allows for easy interaction and conversation with family and friends.
The oversized owner’s suite is situated off the kitchen, providing a private retreat. This luxurious space boasts a large walk-in closet, accommodating all your wardrobe needs, as well as a linen closet in the owner’s bathroom for additional storage. The owner’s suite offers a sanctuary of tranquility and comfort.
Backtracking through the kitchen towards the front of the home, you’ll encounter the laundry room. Continuing through the home, you’ll find a corridor that leads to the two-car garage. Along this corridor, a private wing awaits, which includes an additional bedroom, third bathroom and a linen closet, perfect for accommodating guests or serving as a separate living space.
All 7 photos
Description provided by HOLIDAY BUILDERS OF THE GULF COAST, 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$365,990
Bed / bath3 / 3
Living area2,261 sq ft
Year built2026
Property typeSingle Family Residence
Garage2-car
MLS #675995
Listing statusPending
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~203 ft
CountySanta Rosa
Area listings7 active · 1 under contract
Estimated first-year tax~$3,843/yr
CDD assessmentNone on record
HOA$107/mo
Calculated estimates
Price per sq ft$162
Estimated monthly payment$2,551
Insurance (illustrative)$1k–$2k/yr
Messtimate range$413,763 – $470,288
Comparable-sales median$450,000
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
$2,551/mo
Principal & interest $2,027/mo79%
Taxes $320/mo13%
Insurance $96/mo4%
HOA $107/mo4%
$2,551/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$3,843/yr
Estimate: a typical Santa Rosa effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
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)
$1k–$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 insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$107/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 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
~203 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Santa Rosa 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 Santa Rosa County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Low
DroughtRelatively Low
HailRelatively Low
Cold waveRelatively Moderate
Winter weatherRelatively Low
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 · Jubilee
Pricing & the Jubilee market
How this home is priced against recent nearby sales, and where Jubilee 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.
Property timeline
This home’s history
2026BuiltPer public record
About Feb 2026Listed (per MLS)MLS reports 238 cumulative days on market as of October 12, 2026
Jul 2, 2026First seen on movewithmomentum.comObserved at $405,012
Aug 14, 2026Price cut$388,990 (-$16,022, -4.0%)
Aug 16, 2026Price cut$381,990 (-$7,000, -1.8%)
Aug 22, 2026Price cut$365,990 (-$16,000, -4.2%)
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 $365,990Momentum Realty · on market 238 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 Jun 2026
$520,000
5912 Dun Barton Ct, Pace
4 / 3 bd/ba · 2,249 sq ft · $231/sq ft
Courtesy of Woodlands & Homes, LLC · View details →
Sold Jul 2026
$410,000
4232 N Cambridge Way, Pace
4 / 2.5 bd/ba · 2,242 sq ft · $183/sq ft
Courtesy of Flint Realty · View details →
Sold Mar 2026
$388,000
6065 Autumn Pines Cir, Pace
4 / 2 bd/ba · 2,296 sq ft · $169/sq ft
Courtesy of Levin Rinke Realty · View details →
Sold Jul 2026
$430,000
4151 Castle Gate Dr, Pace
3 / 2 bd/ba · 2,202 sq ft · $195/sq ft
Courtesy of Primis Realty · View details →
Sold Apr 2026
$485,000
7612 Dewey Jernigan Rd, Pace
4 / 3 bd/ba · 2,327 sq ft · $208/sq ft
Courtesy of Levin Rinke Realty · View details →
Sold Jun 2026
$470,000
7628 Dewey Jernigan Rd, Pace
4 / 3 bd/ba · 2,327 sq ft · $202/sq ft
Courtesy of Levin Rinke Realty · View details →
Median of these 6 sales: $450,000 ($198/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.
$413,763the mess$470,288
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: $365,990 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 14% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
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 $107/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:
15 active listings competing, 1 under contract
1 closed here in the last 12 months
For reference, this home is listed at $365,990 ($162/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: 2,261 sq ft × $183–$208/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 12, 2026.
Momentum Scores
Momentum Property Score
88/100
Strongest on: Price vs area (95), Flood safety (95)
0 limited50100 exceptional
88/100 is exceptional 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 area95
This home $162/sq ft vs the community 12-month median $198/sq ft.
Affordability81
List price $365,990 vs the community median $450,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~203 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2026 build. Obtain a property-specific quote.
Coverage: 4 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 $162 per square foot, about 18% below the community’s $198 median. Jubilee’s 12-month median sold price per square foot is $198. 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: one of only 7 active listings in Jubilee, no CDD assessment.
Updated October 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by HOLIDAY BUILDERS OF THE GULF COAST, LLC · MLS # 675995
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Keep looking
Similar homes for sale near Jubilee
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 10 miles southwest of Jubilee.
Santa Rosa commissioners consider $826,544 signal at SR 87 and Ray Helms Road
The September 22 Santa Rosa County commission agenda included an $826,544 contract with Griffin Traffic Signals for a traffic light at State Road 87 and Ray Helms Road, the truck route to Milton Interchange Park, plus resurfacing and sidewalk work. A separate $106,480 contract would replace signs at the park, now called the I-10 Coastal Commerce Center. The article is a preview of the meeting.
Why it matters: A signal and resurfacing on SR 87 would affect truck and commuter traffic flow near the I-10 industrial park in Milton. The project is about 12 miles northeast of Jubilee, elsewhere in Santa Rosa County.
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 south of Jubilee.
Goldring Gulf Distributing plans expansion at Milton facility
Goldring Gulf Distributing filed plans to add 76,400 square feet to its existing 192,000 square foot beverage distribution facility in the Santa Rosa County Industrial Park in East Milton. The expansion would grow the company's footprint in Northwest Florida.
Why it matters: Enlarges an established industrial and distribution operation within the Santa Rosa County Industrial Park and expands the county's industrial base. The project is about 11 miles east of Jubilee, elsewhere in Santa Rosa County.
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 Santa Rosa 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.
GRADEB
ChumucklaAssigned elementary school · Santa Rosa County School District · Grade B (Florida DOE 2025-26)
CENTRALAssigned middle school · Santa Rosa County School District
CentralAssigned high school · Santa Rosa 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 6988 Terrapin Dr, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
HOA dues are listed at $107/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
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 Santa Rosa County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 2,261 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 $3,843/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 12, 2026)
Comparable sales
Pensacola MLS closed sales within about 3 miles, last 18 months, as of August 10, 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 6988 Terrapin Dr and when was it built?
Per the listing record, 6988 Terrapin Dr was built in 2026 and has 2,261 sq ft of living area, 3 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 6988 Terrapin Dr in?
6988 Terrapin Dr is in Jubilee in Pace, Santa Rosa County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 6988 Terrapin Dr have an HOA, and how much are the dues?
The listing reports HOA dues of $107 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 6988 Terrapin Dr differ from the current owner's?
The estimate on this page (about $3,843 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 6988 Terrapin 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 6988 Terrapin 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.
