Lake Francis Homes in Pensacola

Lake Francis Homes

Established 1988 · Intracoastal West · ZIP 32224

A newer, single-family subdivision in northwest Pensacola, Escambia County, where the value is the specific home, the lot, and a convenient, growing-area location.

Newer single-familyPensacola, Escambia CountyConvenient location
Live Market Pulse
53/100
Momentum
Buyer-Leaning Market (limited data)
Tight supply keeps sellers in control, but dated interiors still trade at a discount, so condition is where buyers win.
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Unlock Off-Market Lake Francis Homes

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
$295K
Median Price
0mo
Supply
58days
Avg DOM
Soft
Seller Leverage
$164/sf
Median $/Sqft
-6%
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Lake Francis Homes reads as a newer single-family subdivision in northwest Pensacola, Escambia County, ZIP 32526, with modern homes reported from roughly the low 200s to the mid 300s for two to four bedroom plans (levinrinkerealty.com; hittthemarket.com, 2026). A related Lake Francis Estates subdivision exists nearby, so confirm the exact community for a specific listing. The buy is the specific home and lot: confirm the floor plan and finishes, any HOA dues and what they cover, the lot and any flood determination, and comp it against the closest comparable Escambia County sale."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Lake Francis Homes market snapshot (as of June 11, 2026): the median sale price is about $295K ($164 per sq ft), a buyer-leaning market (limited data). Based on 6 recent closings in live Pensacola MLS data.

Lake Francis Homes is a newer single-family subdivision in northwest Pensacola, Escambia County, ZIP 32526, with modern homes (levinrinkerealty.com; hittthemarket.com, 2026).

Third-party listings describe two to four bedroom plans with contemporary, energy-efficient designs reported from roughly the low 200s to the mid 300s, so compare strictly by plan, size, finish level, and lot rather than a subdivision average; a related Lake Francis Estates subdivision exists nearby, so confirm the exact community (levinrinkerealty.com, 2026).

The strength is the convenient northwest Pensacola location with access to downtown, Interstate 10, and the Gulf Coast beaches a short drive away; confirm the exact drive for a specific address.

It is served by the Escambia County School District; assignments are set by address, so confirm the current zoned schools with the district.

Best for

  • Buyers who want a newer single-family home in a convenient northwest Pensacola location
  • First-time and move-up buyers comparing builder or resale plans on plan, lot, and finishes
  • Buyers who value contemporary, energy-efficient designs

Probably not for

  • Buyers who want an established, mature-tree neighborhood or a waterfront lot
  • Buyers who want a large resort-amenity or golf community
  • Anyone unwilling to confirm the exact community, any HOA, the lot, and the flood determination

How Lake Francis Homes is performing right now

53/100
momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
0Months of supplytight
66Median days on marketdays
1 : 0Under contract vs for salestrong demand
6Sold 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 Lake Francis Homes 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 Lake Francis Homes buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Lake Francis Homes

Live MLS inventory for Lake Francis Homes. 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.

No homes are actively for sale in Lake Francis Homes right now, so its recent closed sales are shown, 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 location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

Interstate 10~8 to 15 min · commuting
U.S. Highway 29~5 to 12 min · the corridor
Downtown Pensacola~20 to 30 min · employers
Navy Federal Credit Union campus~10 to 18 min · employer
University of West Florida~15 to 25 min · campus
Pensacola International Airport (PNS)~18 to 28 min · travel

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Lake Francis Homes with Momentum Realty’s local guides.

Pine Forest HillsPine Forest HillsPensacola, FL · adjacentWRWeavers RunCantonment, FL · 1.4 miMIMilestoneCantonment, FL · 1.6 miGEGraystone EstatesCantonment, FL · 1.8 miPDPreserve at Deer RunPensacola, FL · 1.9 miWilde Lake EstatesWilde Lake EstatesPensacola, FL · 1.9 miEBThe Enclaveat Bella TerraCantonment, FL · 2.0 miGBGrove at Bella TerraCantonment, FL · 2.0 miHuntington CreekHuntington CreekPensacola, FL · 2.1 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
Lake Francis Homes (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

Lake Francis Homes 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 Francis Homes address.

The takeaway

What is actually shaping value in Lake Francis Homes, sourced and dated. We do not publish rumor.

Recent Developments in Lake Francis Homes

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

Net OutlookBullishA newer single-family subdivision whose value tracks the specific home and a convenient northwest Pensacola location, with contemporary designs and a growing area as draws.

Convenient, growing northwest Pensacola location

BullishNotable impact
SignificanceRadius: Northwest Pensacola

A convenient location with access to Interstate 10, Highway 29, and major employers supports durable demand in a growing part of Escambia County (third-party context, 2026).

Two related Lake Francis communities

NeutralNotable impact
SignificanceRadius: Lake Francis

A related Lake Francis Estates subdivision exists nearby; confirm the exact community, plan, and HOA for a specific listing so you are comparing the right one (levinrinkerealty.com, 2026).

HOA, lot, and flood diligence

NeutralMinor impact
SignificanceRadius: Lake Francis Homes

Carrying cost turns on any HOA, the Escambia County millage, and the FEMA flood zone for the specific parcel; verify all of them before you write.

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 Francis Homes, 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. 2026
    Community

    Documented by third-party listing sources

    Third-party listing sources describe Lake Francis Homes as a newer northwest Pensacola single-family subdivision in ZIP 32526, with modern two to four bedroom homes; a related Lake Francis Estates subdivision exists nearby. Why it matters: Confirm the exact community, the plan, any HOA, the lot, and the schools directly before relying on them. Source

  2. 2024
    Taxes

    Escambia County millage and the parcel tax bill

    The Escambia County Property Appraiser publishes parcel values and the taxing authorities set the millage; the actual lines on a Lake Francis Homes parcel set the carrying cost alongside any HOA dues and flood insurance. Why it matters: Pull the specific parcel record and taxes from the Escambia County Property Appraiser and the FEMA flood determination before you write. 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 Francis Homes, this is the order of operations we would run, and the one we run for our clients.

1

Confirm the exact community. Verify whether the home is in Lake Francis Homes or the related Lake Francis Estates before you compare or write.

2

Confirm any HOA dues and what they cover. Verify the current dues, any CDD, and the deed restrictions.

3

Compare the plan and finishes. Confirm the floor plan, square footage, and standard versus upgraded finishes for the specific home.

4

Pull the flood zone and the tax bill. Confirm the FEMA flood determination and the Escambia County parcel taxes before you write.

5

Comp on plan and condition. Price the home against the closest comparable northwest Pensacola sale of similar plan, size, and condition.

Best Buy
A well-sited plan on a usable, dry lot in the confirmed community, priced to comparable northwest Pensacola sales.
Biggest Risk
Confusing the two Lake Francis communities, an unverified flood or lot issue, or HOA terms you did not confirm.
Best Lot
The exact community, the plan, the lot, and the finish level set the value here; verify all of them.
Smart Timing
A convenient, growing-area location rewards a prepared buyer who has confirmed the community and the flood picture.
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

Lake Francis Homes is a newer single-family subdivision in northwest Pensacola, Escambia County, ZIP 32526, with modern two to four bedroom homes reported from roughly the low 200s to the mid 300s (levinrinkerealty.com; hittthemarket.com, 2026). A related Lake Francis Estates subdivision exists nearby, so confirm the exact community. Value is read home-by-home on plan, lot, and finish level, and the central diligence items are the exact community, any HOA dues and CDD, the lot and survey, the FEMA flood zone, and the Escambia County parcel taxes.

The takeaway

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

Entry: smaller two to three bedroom plans
$240K to $285K

Smaller two to three bedroom plans are the value entry here. Confirm the exact community, any HOA, the lot, and the flood zone before you write (third-party context, 2026, not MLS).

Lowest entry
Mid: core plans
$285K to $306K

The core plans are the heart of the subdivision. Price each on its plan, lot, and finishes against the closest comparable sale.

Most inventory
High: larger or fully upgraded plans
$306K to $343K

Larger and fully upgraded plans sit at the top here. Price each on its own plan, lot, and finish level, not a subdivision average.

Strongest resale

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

$240K to $285K
Entry: smaller two to three bedroom plans
Smaller two to three bedroom plans are the value entry here. Confirm the exact community, any HOA, the lot, and the flood zone before you write (third-party context, 2026, not MLS).
$285K to $306K
Mid: core plans
The core plans are the heart of the subdivision. Price each on its plan, lot, and finishes against the closest comparable sale.
$306K to $343K
High: larger or fully upgraded plans
Larger and fully upgraded plans sit at the top here. Price each on its own plan, lot, and finish level, not a subdivision average.

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.

No CDD on the tax billStrong
Central Intracoastal West locationStrong
Scarce golf and lake homesitesStrong
$30M club reinvestment to 2028Positive
All-resale 1990s conditionManage it

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 Lake Francis Homes

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.

Lake Francis Homes is newer single-family living in convenient northwest Pensacola. The deal is read home-by-home in the exact community, the plan, the lot, the finishes, any HOA, and the flood picture, not a subdivision average.

Jon Brooks · Founder, Momentum Realty
6.6B · Buy Score
Resale Strength6.4/10
Renovation Risk7.2/10
Location Efficiency7.0/10
Long-Term Defensibility6.2/10
Carrying Cost Advantage6.6/10

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 Lake Francis Homes 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
  • The exact community, the plan, the lot, and the finish level are the value; verify all of them.
  • Confirm any HOA, the flood zone, and the Escambia County taxes.
  • Comp against the closest comparable northwest Pensacola sale.

In a newer subdivision like Lake Francis Homes, value is driven by the specific plan, its finish level, and its lot, plus any HOA, not a single average, and the first step is confirming the exact community because a related Lake Francis Estates exists nearby. That means confirming the community and any dues and rental rule, comparing the plan and finishes, confirming the lot lines, verifying the FEMA flood zone and the Escambia County parcel taxes, then pricing the home against the closest comparable northwest Pensacola sale, with the convenient, growing-area location as the durable advantage.

Lake Francis Homes in 15 seconds.

Best forBuyers who want a newer single-family home in a convenient northwest Pensacola location.
Strong onContemporary designs and access to Interstate 10, Highway 29, and major employers.
WatchTwo related Lake Francis communities to distinguish, any HOA, and the FEMA flood zone per lot.
Not forBuyers who want an established neighborhood, a waterfront lot, or a large amenity community.
The edgeConfirming the exact community and pricing on plan and lot lets a prepared buyer compare and price the right one.

HOA, CDD & Fees

15-Second Take
  • Confirm the exact community and any HOA dues and CDD.
  • Verify the plan, the lot, and the FEMA flood zone for the specific home.
  • No CDD is assumed; confirm per parcel.

Lake Francis Homes is a newer subdivision; confirm any current HOA dues, any CDD, and the deed restrictions and what they cover before you offer, and confirm whether the home is in Lake Francis Homes or the related Lake Francis Estates. No CDD is assumed; confirm per parcel.

No resort amenity package is assumed; the value is the newer home and the convenient location. Confirm what any dues maintain in the community documents.

The value is the newer single-family home and the convenient northwest Pensacola access; confirm any shared facilities in the community documents.

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 Lake Francis Homes, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Newcastle Place, 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 Lake Francis Homes home worth?

Get a no-obligation home value based on real comparable sales in Lake Francis Homes 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 Lake Francis Homes 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 Lake Francis Homes 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.

Lake Francis Homes Market Scorecard

No active listings

Lake Francis Homes is currently a no active listings. Limited supply, a median asking price of n/a.

n/a
Months supply
n/a
Median list
$295,000
Median sold
n/a
Per sqft
n/a
Days on mkt
0/1/6
Active/Pend/Sold

Typical home value in the 32526 ZIP is $282,036, about 20.7% below the Florida norm (Zillow Home Value Index).

Zoom out for the wider market: ZIP market scorecard.

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 Lake Francis Homes?
It is a newer single-family subdivision in northwest Pensacola, Escambia County, ZIP 32526.
Is Lake Francis Homes the same as Lake Francis Estates?
No, they are related but distinct subdivisions in the area; confirm the exact community for a specific listing (levinrinkerealty.com, 2026).
What kind of homes are in Lake Francis Homes?
Third-party listings describe modern two to four bedroom single-family homes (levinrinkerealty.com, 2026). Compare by plan, size, finish level, and lot.
What do homes cost in Lake Francis Homes?
Pricing is reported from roughly the low 200s to the mid 300s and varies by plan, lot, and condition (illustrative, not MLS). Confirm current pricing for a specific home.
Is there an HOA?
Confirm any current HOA dues, any CDD, and the deed restrictions, and which Lake Francis community applies, before you offer.
Is there a CDD?
No CDD is assumed, but confirm per parcel before you write.
What is nearby?
Interstate 10, Highway 29, major employers, and downtown, plus the destinations noted above.
What schools serve Lake Francis Homes?
It is served by the Escambia County School District; confirm the current zoned schools by address with the district.
Is Lake Francis Homes in a flood zone?
Confirm the FEMA flood zone and insurance for the specific lot before you write.
What should I check on a home here?
Confirm the exact community, the floor plan and square footage, the finishes, the lot, and any HOA and what the dues cover.
Is Lake Francis Homes good for investors?
Its newer stock and convenient location can suit investors; confirm the exact community, any HOA rental rules, the lot, and the flood zone, and price each home on its own merits.
Should I use the listing agent to buy in Lake Francis Homes?
No. The listing agent works for the seller. On a home where the community, plan, lot, and HOA terms move value, having your own representation, which costs you nothing as the buyer, is the highest-leverage decision you make.
Buyers who want a newer single-family home in a convenient northwest Pensacola locationExcellent fit
First-time and move-up buyers comparing plans on plan, lot, and finishesExcellent fit
Buyers who value contemporary, energy-efficient designsExcellent fit
Buyers who want an established, mature-tree neighborhood or a waterfront lotProbably not
Buyers who want a large resort-amenity or golf communityProbably not
Anyone unwilling to confirm the exact community, any HOA, the lot, and the flood determinationProbably not

Get the inside read on Lake Francis Homes

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Lake Francis Homes 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 Lake Francis Homes specialist will reach out personally, usually the same day.

Lake Francis Homes median home price history from 2012 to 2026 — chart by Momentum Realty
Median sale price in Lake Francis Homes, 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.

Zoom out before you decide: see the Pensacola area market guide or every community in the Neighborhood Finder.

More Pensacola & Pensacola, Escambia & Santa Rosa guides

Compare before you commit — every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of Pensacola, Escambia & Santa Rosa or the full Neighborhood Finder.

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