Cardinal Cove in Pensacola

Cardinal Cove

Recent community · Northeast Pensacola · ZIP 32504

A recent single-family community in a quiet, central northeast Pensacola setting.

Nearly-new homesCentral locationQuiet dead-end
Live Market Pulse
50/100
Momentum
Buyer-Leaning Market (limited data)
These are nearly-new, relatively uniform homes, so the lot, light condition, and the price against nearby inventory decide where one trades.
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Unlock Off-Market Cardinal Cove

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive Pensacola MLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulsePensacola MLS
$848K
Median Price
0mo
Supply
58days
Avg DOM
Soft
Seller Leverage
n/a
Median $/Sqft
-6%
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Cardinal Cove is a recent single-family community off Creighton Road in central northeast Pensacola, with completions starting around 2021, so it reads as a nearly-new resale market: low-maintenance, relatively uniform homes where the lot, floor plan, and condition since move-in drive value. The pull is a central location near West Florida Hospital, the university, the airport, shopping, and dining. Your leverage is the lot and the price against nearby inventory."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Cardinal Cove is a recent single-family community in central northeast Pensacola (ZIP 32504), reached off Creighton Road and Hilburn Road. It is a brand-new subdivision with completion dates starting around January 2021, in a tucked-away, dead-end setting.

The homes are varied for a newer community, including cottage-style homes around 1,250 square feet, three-bedroom two-and-a-half-bath two-story homes around 1,648 square feet, and four-bedroom homes around 1,766 square feet. Confirm the current floor plans and availability for a specific home.

The location is central and convenient, close to West Florida Hospital, the University of West Florida, Pensacola International Airport, shopping, and dining, with quick interstate access. There is a homeowners association; confirm the current dues and what they cover, and verify whether any CDD bond applies. Confirm the zoning by address.

Because the homes are recent and relatively uniform, the buy hinges on the lot, the floor plan, and light condition since move-in rather than a deep renovation. A larger or buffered lot is the part of the value most likely to hold up at resale against competing inventory.

Best for

  • Buyers who want a nearly-new, low-maintenance home in a central location
  • Buyers who value proximity to hospitals, the university, and the airport
  • First-time and right-sizing buyers comfortable with cottage or two-story plans
  • Buyers who want a quiet, dead-end setting near conveniences

Probably not for

  • Buyers who want an established neighborhood with mature trees
  • Buyers who want a downtown or beachfront location
  • Buyers seeking large estate lots or a custom home
  • Buyers who prefer no association rules or dues

How Cardinal Cove is performing right now

50/100
momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
0Months of supplytight
66Median days on marketdays
0 : 0Under contract vs for salestrong demand
0Sold in last 12 monthsliquidity
+127%Median price since 2012appreciation
+0%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from Pensacola MLS, as of June 11, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Cardinal Cove listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in Cardinal Cove buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Cardinal Cove

Live MLS inventory for Cardinal Cove. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

Active and pending Cardinal Cove listings as of 2026-06-11, priced high to low. Copyright© 2026 by the Multiple Listing Service of the Pensacola Association of REALTORS® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS®. Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited.. Tap any home to ask about it.

Listing locations from Pensacola MLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The takeaway

The central northeast Pensacola location is the draw: hospitals, the university, the interstate, and the airport are all a short drive, with the beaches farther out.

West Florida Hospital~5-8 min · ~2 miles
Interstate 10 (Davis Hwy)~5-8 min · ~3 miles
University of West Florida~10-12 min · ~5 miles
Cordova Mall area shopping~10 min · ~4 miles
Pensacola International Airport~12 min · ~5 miles
Pensacola Beach~30 min · ~17 miles

Drive times are approximate and vary with traffic and your exact departure point. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Cardinal Cove with Momentum Realty’s local guides.

Cedarwood VillageCedarwood VillagePensacola, FL · adjacentCreighton PlaceCreighton PlacePensacola, FL · adjacentEau Claire EstatesEau Claire EstatesPensacola, FL · adjacentHearthstoneHearthstonePensacola, FL · adjacentBoone PlaceBoone PlacePensacola, FL · 0.3 miEastgateEastgatePensacola, FL · 0.3 miOlive ManorOlive ManorPensacola, FL · 0.3 miBTLa Belle TerrePensacola, FL · 0.3 miCHCreighton HeightsPensacola, FL · 0.4 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
Cardinal Cove (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take
  • Escambia County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Confirm current ratings before relying on them
  • Private and parochial options nearby

Cardinal Cove is served by Escambia County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Buying with schools in mind? We can confirm the exact zoned schools for any Cardinal Cove address.

The takeaway

What is actually shaping value around Cardinal Cove: a central location near hospitals and the university, recent low-maintenance homes, and active competing inventory across Escambia County. Each item is sourced and linked.

Recent Developments in Cardinal Cove

Our read on what is being built around Cardinal Cove, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishA central location and recent, low-maintenance homes point demand up, with steady new supply the near-term counterweight on resale. The watch item is the price gap to nearby inventory.

Central location near hospitals and the university

Ongoing
BullishNotable impact
SignificanceRadius: Community

Proximity to West Florida Hospital, the university, and the airport supports steady demand for a central community.

Recent, low-maintenance homes

Ongoing
BullishNotable impact
SignificanceRadius: Community

Nearly-new homes with modern finishes appeal to first-time and right-sizing buyers.

Heavy new-home approvals countywide

2025
NeutralNotable impact
SignificanceRadius: County

Thousands of new homes approved across Escambia mean a recent home competes with steady inventory.

Quiet, dead-end setting

Ongoing
BullishMinor impact
SignificanceRadius: Community

A tucked-away, dead-end layout adds a quiet feel that supports demand in a central area.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Cardinal Cove, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

  1. October 2025
    Metro

    Pensacola International Airport breaks ground on terminal expansion

    The airport broke ground in October 2025 on a roughly $113 million terminal expansion, part of broader metro investment supporting the Pensacola area. Why it matters: Metro investment supports the wider Pensacola market over time. Source

  2. January 2025
    County

    Escambia County approves thousands of new homes

    Reporting noted Escambia County approved well over 3,000 new homes in 2025 as growth continued across the county's corridors. Why it matters: A strong approvals pipeline reflects demand but also means competing supply nearby. Source

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

If we were buying in Cardinal Cove, this is the order of operations we would run, and the one we run for our clients.

1

Read the lot and light condition. On a recent home, check the lot and any wear since move-in rather than a deep renovation.

2

Confirm the floor plan. Verify whether a home is a cottage, two-story, or larger plan, and the layout for your needs.

3

Confirm the HOA and any CDD. Get the current dues and verify whether a CDD bond rides on the homesite.

4

Verify the school zoning. Confirm the assigned schools for the specific address with the district.

5

Match the home to real comps. Floor plan, lot, and condition since move-in decide where a nearly-new home lands.

Best Buy
A well-kept home on a larger or quieter lot, priced against nearby inventory
Biggest Risk
Paying a new-construction premium for a resale without weighing nearby inventory
Best Lot
A larger or quieter lot over a tight interior lot
Smart Timing
Confirm the HOA, any CDD, and school zoning before you offer
The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Cardinal Cove is a recent single-family community in central northeast Pensacola, reached off Creighton Road and Hilburn Road in a quiet, dead-end setting, with completion dates starting around January 2021. The homes are varied for a newer community, including cottage-style homes around 1,250 square feet, two-story three-bedroom homes around 1,648 square feet, and four-bedroom homes around 1,766 square feet. It is central and convenient, close to West Florida Hospital, the University of West Florida, the airport, shopping, and dining. It has a homeowners association. There is no golf or country-club membership; the value story is the lot, the floor plan, light condition since move-in, and the price against nearby inventory.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

The Cottage

The smaller cottage-style plans, the low-maintenance, nearly-new entry into a central location.

Lowest entry
The Core Home

The two-story and larger plans on solid lots, well kept since move-in, the heart of the resale market here.

Most inventory
The Best Lot

A well-kept home on a larger or quieter dead-end lot, the configuration that holds value best.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

The Cottage
The smaller cottage-style plans, the low-maintenance, nearly-new entry into a central location.
The Core Home
The two-story and larger plans on solid lots, well kept since move-in, the heart of the resale market here.
The Best Lot
A well-kept home on a larger or quieter dead-end lot, the configuration that holds value best.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

15-Second Take
  • Renovation math decides the deal
  • Better lots and views resell strongest
  • Roof and HVAC age drive the insurance quote
  • Interior lots are where buyers overpay
Jon Brooks, Momentum Realty
Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Central location near hospitals and UWFStrong
Recent, low-maintenance homesStrong
Quiet, dead-end settingSolid
Competing nearby inventoryManage it
Varied floor plans to confirmRead it carefully

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Jon Brooks, Momentum Realty
Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Cardinal Cove

15-Second Take
  • Calling the listing agent (who works for the seller)
  • Misjudging the renovation budget
  • Overpaying for an interior lot
  • Underbudgeting the carrying costs
  • Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

These homes are nearly new and uniform. The deal is won or lost on the lot, light condition, and the price versus nearby inventory.

Jon Brooks · Founder, Momentum Realty
7.5B · Buy Score
Resale Strength7.4/10
Renovation Risk2.6/10
Location Efficiency8.0/10
Long-Term Defensibility7.0/10
Carrying Cost Advantage8.0/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Why our read on Cardinal Cove is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live Pensacola MLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live Pensacola MLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

Which Lots & Views Hold Value Best

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)
$261 value$401 premium
Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from Pensacola MLS; for orientation, not an appraisal.

15-Second Take
  • Larger and quieter lots hold value best
  • Tight interior lots are where buyers overpay
  • On a young home, the lot is the main differentiator
  • Light condition since move-in matters, not a reno
  • Weigh the lot against nearby inventory

In a recent community of nearly-new homes, the floor plans are relatively uniform, so the lot does most of the work on value. Larger or quieter dead-end lots hold value better than tight ones, and light condition since move-in matters more than a deep renovation. Read the lot and condition, and price the home against other recent inventory nearby.

Cardinal Cove in 15 seconds.

Best forBuyers who want a nearly-new, low-maintenance home in a central, convenient northeast Pensacola location.
Biggest advantageA recent home near hospitals, the university, and the airport in a quiet, dead-end setting.
Biggest riskPaying a premium over nearby inventory, plus any CDD or HOA carrying cost.
Sweet spotA well-kept home on a larger or quieter lot, priced against nearby inventory.
Avoid ifYou want an established neighborhood, large lots, or a downtown or beach location.

HOA, CDD & Fees

15-Second Take
  • HOA community, confirm the current dues
  • Verify whether a CDD bond applies per homesite
  • Recent homes, completions from around 2021
  • Central, near hospitals and the university
  • Quiet, dead-end setting

Cardinal Cove has a homeowners association; confirm the current dues amount and billing for the specific home with the listing.

Typical neighborhood HOA upkeep of common areas and entries. Verify exactly what is covered and whether any community development district (CDD) bond also applies to the homesite.

There is no golf or country-club membership tied to this community.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Momentum listings (YTD)
97.98%
Sold-to-list ratio across our market for our agents, sellers keeping more of their price.
Market average (YTD)
96.73%
The broader metro average sold-to-list ratio over the same period.
Momentum days on market
64 days
Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
Market days on market
72 days
The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Cardinal Cove, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Sunrunner, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Cardinal Cove home worth?

Get a no-obligation home value based on real comparable sales in Cardinal Cove matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See the full Cardinal Cove home value & selling guide, recent comps, fees, and 2026 timing →

Real comps, not a Zestimate.

Price History: What Homes Here Have Actually Sold For

Median sale prices in Cardinal Cove year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.

Cardinal Cove Market Scorecard

Thin data

Cardinal Cove is currently a thin data. Limited supply, a median asking price of n/a.

n/a
Months supply
n/a
Median list
n/a
Median sold
n/a
Per sqft
n/a
Days on mkt
0/0/0
Active/Pend/Sold

Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Where is Cardinal Cove in Pensacola?
Cardinal Cove is a recent single-family community in central northeast Pensacola (ZIP 32504), reached off Creighton Road and Hilburn Road in a quiet, dead-end setting.
When were the homes in Cardinal Cove built?
It is a brand-new subdivision with completion dates starting around January 2021, so most purchases are nearly-new homes.
What kind of homes are in Cardinal Cove?
Varied for a newer community: cottage-style homes around 1,250 square feet, two-story three-bedroom homes around 1,648 square feet, and four-bedroom homes around 1,766 square feet.
Does Cardinal Cove have an HOA?
Yes. Confirm the current dues and what they cover for a specific home with the listing.
Does Cardinal Cove have a CDD fee?
Verify whether a community development district (CDD) bond applies to the specific homesite. Confirm per parcel as a matter of course.
What schools serve Cardinal Cove?
Cardinal Cove is part of Escambia County Public Schools. School assignment is by address, so confirm the exact zoning for a specific home with the district.
Is Cardinal Cove centrally located?
Yes. It is close to West Florida Hospital, the University of West Florida, Pensacola International Airport, shopping, and dining, with quick interstate access.
What floor plans are available in Cardinal Cove?
Plans include cottage-style single-level homes and two-story homes across three and four bedrooms. Confirm the available plans for a specific home with the listing.
Is Cardinal Cove a good value?
As a recent community, it can offer a nearly-new, low-maintenance home, but weigh any resale against other recent inventory nearby. The right figure is a comparable-sales read.
Is Cardinal Cove a good investment?
A central location and recent construction support demand. As with any newer community, the lot, condition, and competing inventory drive resale outcomes; this is not a guarantee of future value.
How far is Cardinal Cove from the beaches?
It sits inland in northeast Pensacola, with the Gulf beaches a drive away. Confirm your real commute at your real departure time.
Should I use the listing agent to buy in Cardinal Cove?
No. The listing agent works for the seller. Even on a nearly-new home, having your own representation protects your interests on price and the contract.
Buyers who want a nearly-new, low-maintenance home in a central locationExcellent fit
Buyers who value proximity to hospitals, the university, and the airportExcellent fit
First-time and right-sizing buyers comfortable with cottage or two-story plansExcellent fit
Buyers who want a quiet, dead-end setting near conveniencesExcellent fit
Buyers who will weigh a resale against nearby inventoryExcellent fit
Buyers who want an established neighborhood with mature treesProbably not
Buyers who want a downtown or beachfront locationProbably not
Buyers seeking large estate lots or a custom homeProbably not
Buyers who prefer no association rules or duesProbably not
Buyers unwilling to confirm the HOA or any CDDProbably not

Get the inside read on Cardinal Cove

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Cardinal Cove home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

We respond personally, usually the same day.

You are all set.

A Momentum Realty Cardinal Cove specialist will reach out personally, usually the same day.

Cardinal Cove median home price history from 2012 to 2026 — chart by Momentum Realty
Median sale price in Cardinal Cove, Florida by year (2012–2026). Source: Momentum Realty.
Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Listing data provided by the Multiple Listing Service of the Pensacola Association of REALTORS®. Information deemed reliable but not guaranteed.

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