8685 Salt Grass Dr, Pensacola, FL 32526
- Sun, Oct 25, 2 PM–4 PM
Sources: Pensacola MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
8685 Salt Grass Dr in Nature Trail, Pensacola is listed at $710,000 (2,848 sq ft, about $249 per sq ft). That sits within a few percent of Nature Trail's median closed sale of $740,000 over the last 12 months (41 recorded sales). It came to market within the past week. Listing facts: built in 2014, HOA dues of $170/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2014 · 12 yrs
- 2,848 sq ft of living area
- 3-car garage
- Listed at $710,000 — recent neighborhood median sale price ~$740,000 (nearby sales; deemed reliable, not an appraisal)
- Active listing
- HOA $170/mo (per listing)
About this home
OPEN HOUSE: Sun, Oct 25 1-3PM ~Welcome Home to Nature Trail: From its screened saltwater pool to its newly remodeled kitchen, this property has been thoughtfully curated and transformed into the perfect place to call home. The 4-bedroom, 3-bathroom home features double tray ceilings and a front office/study with French doors that leads into an oversized formal dining room. A custom dining sideboard and drink fridge make entertaining fun and easy.
Flowing into the comfortable living room, you’ll notice a focal fireplace and French doors and windows opening to the expansive covered back porch. Durable wood-look tile and complementing tile flow throughout the living areas. With white kitchen cabinets, quartz countertops, and brand-new KitchenAid appliances, you will be humming as you move about your gorgeous kitchen during early mornings, festive gatherings, and everyday life.
The expansive floor plan gives the primary suite true privacy, with a sitting area beneath a double tray ceiling. Dual walk-in closets offer generous storage, and the large primary bath features a double vanity, tile shower, and soaking garden tub. Three additional bedrooms sit on the other side of the house, two of which are lovingly connected by a Jack-and-Jill bathroom.
The remaining bathroom has been thoughtfully customized as well. Perhaps the most inviting feature of this property is the screened saltwater pool. Gentle on skin and easier to maintain, it is a natural gathering place nearly year-round.
Additionally, a fully fenced backyard is covered in plush Zoysia grass, soft underfoot and perfect for the Gulf Coast summers. Nestled amongst backyard fun, an outdoor, covered pergola makes grilling and relaxing by the outdoor fireplace a dream. The three-car garage features a professionally coated floor for a clean, finished look.
The distinguished Nature Trail community offers trails, pools, a fitness center, pickleball, basketball and tennis courts, and a fishing pond. Come see it today!
All 38 photos
Description provided by World Impact Real Estate 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
Estimated monthly payment
- Principal & interest $3,933/mo 74%
- Taxes $965/mo 18%
- Insurance $246/mo 5%
- HOA $170/mo 3%
$5,313/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty 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.
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.
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.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
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 8685 Salt Grass 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 $5,125/yr (certified county roll, taxable value × millage). Buy at the asking price of $710,000 and the first-year bill resets to about $11,575/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 | $170/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| 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 $2,000–$4,500/yr; neither is a quote. |
| Roof and age | Built in 2014. An original roof is about 12 years old: inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage. |
Estimated carrying cost at the asking price, before the mortgage: about $1,332/month (tax $965, HOA $170, insurance $197). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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.
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.
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.
Internet & broadband
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Nature Trail market
How this home is priced against recent nearby sales, and where Nature Trail 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.
This home’s history
- 2014BuiltPer public record
- Oct 23, 2026First seen on movewithmomentum.comObserved at $710,000
- 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.
Price & listing history
Building permits
Comparable recent sales
6 closed sales in Nature Trail 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.
Median of these 6 sales: $740,000 ($254/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
Momentum Property Score
60/100 is solid, mid-pack 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.
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.
The Momentum read
🟡 Asking $249 per square foot, about in line with the community’s $254 median. Nature Trail’s 12-month median sold price per square foot is $254. 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: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 23, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by World Impact Real Estate · MLS # 690374
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Similar homes for sale near Nature Trail
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 Nature Trail
- 28 Norwood Dr · $172,000 · 3 bd / 1.0 ba · listed October 23, 2026 (courtesy of Bastion Realty LLC)
- 4123 Belmont St · $59,999 · 2 bd / 1.0 ba · listed October 23, 2026 (courtesy of Coldwell Banker Realty)
- 2318 N Baylen St · $250,000 · 3 bd / 2.5 ba · listed October 23, 2026 (courtesy of World Impact Real Estate)
- 1969 Caracara St · $310,900 · 4 bd / 2.0 ba · listed October 23, 2026 (courtesy of D R Horton Realty of NW Florida, LLC)
- 9910 Oak Haven Rd · $149,000 · 3 bd / 1.5 ba · listed October 23, 2026 (courtesy of Joseph Walter Realty, LLC)
- 1981 Caracara St · $325,900 · 5 bd / 3.0 ba · listed October 23, 2026 (courtesy of D R Horton Realty of NW Florida, LLC)
Recently off market in Nature Trail
- 8564 Foxtail Loop · last listed $1,000,000 · 2026-10-18
- 8725 Rush Ln · last listed $570,000 · 2026-10-07
- 8508 Salt Grass Dr W · last listed $575,000 · 2026-10-03
- 5965 Dahoon Dr · last listed $465,000 · 2026-09-30
- 5837 Dahoon Dr · last listed $699,000 · 2026-09-26
- 8414 Foxtail Loop · last listed $715,000 · 2026-09-16
Just listed: new homes for sale in the Pensacola area in the last 48 hours · updated hourly · RSS · The Pensacola area market today: new listings, price cuts, pendings
More on Nature Trail
Go deeper on Nature Trail
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.
Assigned schools
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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 8685 Salt Grass Dr, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2014: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $170/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- 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 2,848 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 $11,575/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $6,450 more per year than the current owner’s estimated bill (+126%). 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.
Data sources & freshness
| Listing record | Pensacola MLS, checked against the MLS hourly (last: October 23, 2026) |
| Comparable sales | Pensacola MLS closed sales in Nature Trail, last 18 months, as of October 23, 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.
Frequently asked questions
How big is 8685 Salt Grass Dr and when was it built?
Per the listing record, 8685 Salt Grass Dr was built in 2014 and has 2,848 sq ft of living area, 4 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 8685 Salt Grass Dr in?
8685 Salt Grass Dr is in Nature Trail in Pensacola, Escambia County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 8685 Salt Grass Dr have an HOA, and how much are the dues?
The listing reports HOA dues of $170 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 8685 Salt Grass Dr differ from the current owner's?
The estimate on this page (about $11,575 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $6,450 more per year than the current owner’s estimated bill (+126%). 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 8685 Salt Grass 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.
See 8685 Salt Grass Dr 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 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.
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Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.