True comps, carrying-cost math, and listings before the portals.
🟡 Balanced market. 4.4 months of supply and 20% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Pensacola MLS records, as of July 13, 2026. Confidence: High (5 active and pending listings, 11 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($305K) is down 14.0% from the prior 12 months ($354K) and up 142% since 2012. With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Pensacola MLS closed sales, 12-month windows ending July 13. Confidence: Medium (11 and 12 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 13, 2026 · Live data: Pensacola MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Lake Charlene market snapshot (as of July 13, 2026): the median sale price is about $305K ($145 per sq ft over the trailing 12 months of closed sales), a median 122 days on market for closed sales, and 4.4 months of supply, a balanced market. The trailing-12-month median is down 14% from the prior 12 months and up 142% since 2012, computed from record-level Pensacola MLS closed sales (11 closings in the current window).
Aerial and on-site photos of Lake Charlene. Swipe to explore the community.
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Lake Charlene
Lake Charlene
Lake Charlene
Lake Charlene
Lake CharleneTight 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 25, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Lake Charlene listings and the trailing twelve months of closed sales.
Our proprietary read on how a home in Lake Charlene buys, holds, and resells. See the five factors.
Live MLS inventory for Lake Charlene. 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 · 1 daysTop listing
Active · 0 days
Active · 3 days
Active · 4 days
Active · 238 days
Pending · 9 days
Pending · 171 daysActive and pending Lake Charlene listings as of 2026-06-25, 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.
Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.
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 location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive from Lake Charlene.
Drive times from Lake Charlene. They are approximate and vary with traffic and your exact start point.
Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.
Explore more neighborhoods near LakeCharlene Homes for Sale in Pensacola, FL with Momentum Realty’s local guides.
Carrying cost · the no-CDD edge
No CDD bond means thousands less per year than newer master plans.
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.
Lake Charlene 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 Lake Charlene address.
What actually shapes value in Lake Charlene: it is an established, amenity-rich lake community in southwest Pensacola near NAS Pensacola and the beaches, with a community pool, tennis, and a lakeside pavilion. Each item is sourced.
Our read on what is being built around Lake Charlene, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.
A genuine amenity package and a namesake lake set Lake Charlene apart from plain established neighborhoods.
Real, HOA-funded amenities support demand and resale.
Base and beach proximity drive steady demand, including from military households.
Water recreation on the lake is a durable, scarce neighborhood amenity.
The amenities are funded by HOA dues; price them into the carrying cost.
Aging roofs and systems on resale homes are the main risk to underwrite.
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 Lake Charlene, 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 ↓
Neighborhood profiles describe Lake Charlene as an established lake community with a pool, tennis, a lakeside pavilion, a fishing area, and a paddlecraft launch, minutes from NAS Pensacola and the Gulf beaches. Why it matters: A genuine amenity base and a lake support durable resale demand in southwest Pensacola. Source
Local profiles highlight Lake Charlene's lakeside pavilion, tennis, playground, and sidewalks, and its convenient location near NAS Pensacola and the beaches. Why it matters: Sustained desirability of the amenity-rich lake community supports resale despite older housing stock. 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 Lake Charlene, this is the order of operations we would run, and the one we run for our clients.
Price the HOA amenities in. The pool, tennis, lake, and pavilion are funded by dues; get the current figure.
Read the resale condition. Roof, HVAC, and updates vary across an established neighborhood.
Use the amenities and lake as the anchor. They are the durable resale draw; buy near them.
Check the NAS Pensacola commute. Confirm your real drive to base and the beaches at your departure time.
Match the home to real comps. Condition and lot, not square footage alone, set the number.
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.
Lake Charlene is an established single-family lake community in southwest Pensacola, governed by a homeowners association, with a community pool, tennis courts, a playground, a lakeside pavilion, a fishing area, a paddlecraft launch, sidewalks, and street lights. It sits minutes from NAS Pensacola and the Gulf beaches. Homes are resale, so confirm the HOA dues and the condition of a specific home.
Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.
Here are the broad resale bands in Lake Charlene today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.
The smaller, original single-family homes, the value way into an amenity-rich lake community.
Renovated or well-kept homes near the lake and amenities, the heart of the market.
The largest, best-kept homes on the best lots near the lake, the strongest resale here.
Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.
Median sale price over the trailing 12 months ending July 13 of each year, from record-level Pensacola MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($305K) IS the median in the snapshot above, and the move from 2025 ($354K) IS the -14.0% one-year change.
Windows contain 7 to 30 sales each (11 in the current window); every figure carries its sample size, and thin markets swing on single closings. 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. Deemed reliable but not guaranteed.
Before the list price, the Florida math the portals skip. These are Escambia County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Escambia County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
36% of homes for sale in ZIP 32506 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-07-18).
Lake Charlene is currently a buyer-leaning market (limited data). About 4.4 months of supply, a median asking price of $342,500, and homes go under contract in about 32.0 days.
Typical home value in the 32506 ZIP is $245,506, about 18.1% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: 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. Refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Live MLS inventory for Lake Charlene. 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 · 0 daysTop listingActive · 1 daysActive · 63 daysActive · 238 daysPending · 15 daysActive and pending Lake Charlene listings as of 2026-07-03, 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.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Pensacola MLS. Map data © OpenStreetMap, tiles © CARTO.
If we were buying in Lake Charlene today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Lake Charlene.
At a median of $145 per square foot, Lake Charlene prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 4.4 months of supply, a balanced market, with a Market Heat score of 14 and the trailing-12-month median down 14% year over year. Homes that do trade take a median 122 days on market, useful leverage on any listing that has lingered.
The location and the amenities are priced into every listing in Lake Charlene. The deal is won or lost on condition, the comps, and the renovation math.
Our proprietary 0 to 10 read across the factors that decide how a home in Lake Charlene buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (4.6). Basis: Long-Term Appreciation +142% since 2012; Recent Direction -14.0% year-over-year; Liquidity & Demand 4.4 months of supply; Pricing Power 87.6% sale-to-list. Refreshed with each data update.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Lake Charlene sales matched to your home.
If you are thinking about selling in Lake Charlene, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
Get a no-obligation home value based on real comparable sales in Lake Charlene, 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 homes for sale in Lake Charlene on the map →
Lake Charlene is currently a balanced market (limited data). About 4.4 months of supply, a median asking price of $347,500, and homes go under contract in about 2.0 days.
Typical home value in the 32506 ZIP is $245,506, about 18.1% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: 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. Refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Explore more neighborhoods near Lake Charlene with Momentum Realty’s local guides.
| Live listings | Pensacola MLS, refreshed twice daily (last: July 3, 2026) |
| Community market stats | Pensacola MLS closed sales, 12-month windows ending July 13, 2026 |
| Under-contract shares | Pensacola MLS records, as of 2026-07-12 |
| Historical depth | Closed-sale records back to 2005 (277 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Pensacola MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Zoom out before you decide: see the Duval County market guide or every community in the Neighborhood Finder.
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Pensacola MLS member average and 8 days faster, and we’ll price yours against live your area comps.
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