Listing data updated October 12, 2026 at 4:38 AM ET · checked against the MLS hourly
4Bedrooms
3Bathrooms
3,054Sq Ft
2013Year Built
$196Per Sq Ft
Waterfront3-car garageNo CDD on recordFEMA Zone X4 bedrooms
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.
22% above
$/sq ft vs community
$196 here vs $161 median sold (12 mo)
Buyer leverage
Seller-leaning
92 days on market
No active listings
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~110 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 12, 2026, 989 Legacy Oaks Dr in Legacy Oaks, Pensacola is listed at $599,900 (3,054 sq ft, about $196 per sq ft). That is 20% above Legacy Oaks's median closed sale of $499,000 over the last 12 months (3 recorded sales). Per square foot it is above the community's recent $161/sq ft by about 22%. It has been 92 days on market. Listing facts: built in 2013, waterfront, HOA dues of $45/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
Built 2013 · 13 yrs
3,054 sq ft of living area
3-car garage
Listed at $599,900 — recent neighborhood median sale price ~$499,000 (nearby sales; deemed reliable, not an appraisal)
92 days on market
HOA $45/mo (per listing)
Listing description
About this home
Welcome to 989 Legacy Oaks Drive, a beautifully maintained 4-bedroom, 3-car garage McKenzie floor plan in one of Pensacola’s most desirable neighborhoods. Designed for comfort, efficiency, and peace of mind, this home offers an impressive list of upgrades rarely found in competing properties. A standout feature is the fully enclosed, climate-controlled bonus room with hurricane-impact windows and doors, surround sound, and HVAC integration.
This versatile space is ideal as a sunroom, media room, second living area, home office, or guest retreat. Inside, you'll find hardwood flooring throughout the main living areas, plantation shutters, crown molding, high ceilings, a dedicated study, abundant storage, and a large walk-in pantry with custom shelving. The kitchen features upgraded stainless steel appliances, under-cabinet lighting, reverse osmosis drinking water filtration, and opens seamlessly to the living and dining areas.
The spacious primary suite offers a garden tub, separate shower, walk-in closet, private water closet, and ample storage. Major upgrades include a 36-panel solar system, whole-house generator, security system with cameras, smart-home features, LeafFilter gutters, new HVAC, new water heater, UV air purification system, hot water recirculation system, saltwater conditioning system, gas fireplace with blower and remote, surround sound, and 220V garage service. Outside, enjoy mature landscaping, palm trees, a decorative fountain, paver accents, irrigation system, privacy fencing, soffit lighting, and a powered workshop/storage building with electricity and loft storage.
With a dedicated study, bonus room, workshop, partially floored attic, extensive closet space, oversized pantry, and 3-car garage, this home offers exceptional functionality and storage. If you're looking for a move-in-ready home built for long-term comfort, efficiency, and security, this one is a must-see.
All 55 photos
Description provided by KELLER WILLIAMS REALTY GULF 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$599,900
Bed / bath4 / 3
Living area3,054 sq ft
Year built2013
Property typeSingle Family Residence
Garage3-car
MLS #684997
Listing status92 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~110 ft
CountyEscambia - Fl
Area listings0 active · 0 under contract
Estimated first-year tax~$6,299/yr
CDD assessmentNone on record
HOA$45/mo
Calculated estimates
Price per sq ft$196
Estimated monthly payment$4,105
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$499,000
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
$4,105/mo
Principal & interest $3,323/mo81%
Taxes $525/mo13%
Insurance $212/mo5%
HOA $45/mo1%
$4,105/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.)
~$6,299/yr
Estimate: a typical Escambia - Fl 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)
$2k–$4k/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
$45/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
~110 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 · Legacy Oaks
Pricing & the Legacy Oaks market
How this home is priced against recent nearby sales, and where Legacy Oaks 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.
Median $/sq ft by year
Community sold $/sq ft, 2019–2026. This home lists at $196/sq ft.
Median sale price by year
12-month median closed price, 2013–2026.
Property timeline
This home’s history
2013BuiltPer public record
About Jul 2026Listed (per MLS)MLS reports 92 cumulative days on market as of October 12, 2026
Aug 4, 2026First seen on movewithmomentum.comObserved at $650,000
Aug 25, 2026Price cut$625,000 (-$25,000, -3.8%)
Sep 16, 2026Price cut$599,900 (-$25,100, -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 $599,900Momentum Realty · on market 92 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
4 closed sales in Legacy Oaks 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
$549,900
956 Legacy Oaks Dr, Pensacola
5 / 3.5 bd/ba · 2,890 sq ft · $190/sq ft
Courtesy of D R Horton Realty of NW Florida, LLC · View details →
Sold Feb 2026
$549,900
956 Legacy Oaks Dr, Pensacola
5 / 3.5 bd/ba · 2,890 sq ft · $190/sq ft
Courtesy of D R Horton Realty of NW Florida, LLC · View details →
Sold Feb 2026
$493,000
887 Legacy Oaks Dr, Pensacola
4 / 3.5 bd/ba · 3,271 sq ft · $151/sq ft
Courtesy of KELLER WILLIAMS REALTY GULF COAST · View details →
Sold Feb 2026
$493,000
887 Legacy Oaks Dr, Pensacola
4 / 3.5 bd/ba · 3,271 sq ft · $151/sq ft
Courtesy of KELLER WILLIAMS REALTY GULF COAST · View details →
Median of these 4 sales: $499,000 ($161/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.
$433,668the mess$549,720
Stronger local evidence — 4 comparable closed sales in Legacy Oaks, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $599,900 — 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 — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
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 $45/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: 92 days on market vs. a 72-day community median
0 active listings competing, 1 under contract
2 closed here in the last 12 months
For reference, this home is listed at $599,900 ($196/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: 3,054 sq ft × $142–$180/sq ft (±12% around the median of 4 comparable closed sales in Legacy Oaks, 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
48/100
Strongest on: Flood safety (95), Insurance cost (78)
0 limited50100 exceptional
48/100 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 area0
This home $196/sq ft vs the community 12-month median $161/sq ft.
Affordability16
List price $599,900 vs the community median $499,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~110 ft elevation. Verify the parcel with FEMA.
Insurance cost78
From FEMA Zone X and a 2013 build. Obtain a property-specific quote.
Market liquidity42
Community median 72 days on market (12-month record).
Pricing power57
Recent sales closed at about 96.7% of original asking (~3.3% below). More room below asking generally favors buyers.
Coverage: 6 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 $196 per square foot, about 22% above the community’s $161 median. Legacy Oaks’s 12-month median sold price per square foot is $161. Confidence: Low · 3 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 Legacy Oaks sales closed near 96.7% 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.
Updated October 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by KELLER WILLIAMS REALTY GULF COAST · MLS # 684997
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Keep looking
Similar homes for sale near Legacy Oaks
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 4 miles south of Legacy Oaks.
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 5 miles west of Legacy Oaks.
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 5 miles southeast of Legacy Oaks.
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.
EnsleyAssigned elementary school · Escambia - Fl County School District
FERRY PASSAssigned middle school · Escambia - Fl County School District
Pine ForestAssigned 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 989 Legacy Oaks Dr, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2013: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $45/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 Escambia - Fl County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 3,054 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 $6,299/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 in Legacy Oaks, last 18 months, as of July 13, 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 989 Legacy Oaks Dr and when was it built?
Per the listing record, 989 Legacy Oaks Dr was built in 2013 and has 3,054 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 989 Legacy Oaks Dr in?
989 Legacy Oaks Dr is in Legacy Oaks in Pensacola, Escambia - Fl County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 989 Legacy Oaks Dr have an HOA, and how much are the dues?
The listing reports HOA dues of $45 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 989 Legacy Oaks Dr differ from the current owner's?
The estimate on this page (about $6,299 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 989 Legacy Oaks 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 989 Legacy Oaks 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.
