Spencers Ridge
Homes for Sale in Pace, FL
All 284 homes for sale in Pace, FL · median $385,908 · Santa Rosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of KELLER WILLIAMS REALTY GULF COAST · via Pensacola MLS
Homes listed or recently sold were built 2016–2016; 3 of 3 report an HOA (median $12/mo); none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 150 ft). Spencers Ridge is a community in Pace, Santa Rosa County, FL. Across Pace as a whole, 338 homes closed in the last 12 months at a median of $374,902, 55 median days on market, with 48 homes for sale today. At that median and Santa Rosa County's FY2025-26 rate of 12.81 mills, annual property tax runs about $4,800 ($4,300 with the full homestead exemption).
Spencers Ridge is a compact, single-decade build-out in Pace — 81 homes, all delivered between 2014 and 2017, with a median build year of 2016. That tight construction window matters: floor plans, systems, and finishes are broadly consistent across the neighborhood, so what actually moves a price here is condition, lot position, and updates rather than a wide age spread. The median home runs about 2,812 square feet, which is a substantial footprint, and that size is a big part of what any list price is really paying for.
There are zero active listings as of mid-2026, and an 84% homestead share tells you most of these homes are lived in, not rotated as rentals or flips. That combination means supply is thin and turnover is slow. For a buyer, patience and readiness are the whole game — when something lists, you move. For a seller, a well-kept home entering an empty field of competition has real leverage, but you still price to the median reality, not to a number you wish the market would pay.
Nearby homes for sale
No active listings inside Spencers Ridge right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Spencers Ridge is a small, newer subdivision in Pace built out over a short 2014–2017 stretch, dominated by larger, owner-occupied homes and characterized by low turnover rather than constant listing churn.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of Spencers Ridge. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Spencers RidgePhotos from Pensacola MLS listings in Spencers Ridge; content deemed reliable but not guaranteed.
Who Spencers Ridge is best for.
Best for
- Buyers wanting a larger, newer home around 2,800 square feet who can stay ready and pounce when one lists
- Long-hold owner-occupants who value a consistent, single-era neighborhood over shared amenities
- Sellers with a well-kept home who want to price realistically into a market with no direct competition
Probably not for
- Buyers on a tight timeline who need to purchase within a set window
- Anyone prioritizing community amenities such as a pool, gate, or clubhouse
- Investors seeking high turnover or rental-heavy inventory, given the high owner-occupancy
The market around Spencers Ridge
Spencers Ridge is too small for its own price trend, so here is the market around it.
Across Santa Rosa County, 581 homes are active and 348 pending (38% under contract).
ZIP and county figures describe the wider market, not Spencers Ridge specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Spencers Ridge, Pace
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. 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.
Spencers Ridge on the map.
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.
The Spencers Ridge buying strategy.
If we were buying in Spencers Ridge 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 Spencers Ridge.
A homogeneous build with thin supply
The defining feature here is consistency. With every home built inside a four-year span and a median year of 2016, buyers are comparing homes of similar vintage and structure — the differentiators are upkeep, renovations since delivery, and lot. That makes pricing more legible than in older, mixed-era neighborhoods, but it also means the median price should be read as a condition-driven figure with a real spread on either side, not a fixed sticker. We do not publish a price range for this community because the honest data point is the median and the qualitative story around it.
No community amenities surface from current MLS listings — no pool, gate, or clubhouse identified — so value lives in the homes themselves and the Pace location within Santa Rosa County, not in shared facilities. The high homestead share and the absence of active inventory reinforce that this is a hold-and-live neighborhood. Deals happen on the neighborhood's timeline, not the buyer's.
The location and the amenities are priced into every listing in Spencers Ridge. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a neighborhood with no active listings and slow turnover, timing and off-market awareness do more than any search alert. We track what actually trades in Spencers Ridge, help sellers price to the real median and condition story rather than a wished-for number, and get ready buyers positioned to act the moment a home surfaces. When it is not the right fit, we will say so.
Spencers Ridge in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $12/month · median of 24 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $12 per month — the median AssociationFee across 24 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Spencers Ridge buy.
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 Spencers Ridge sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Spencers Ridge, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Spencers Ridge home worth?
Get a no-obligation home value based on real comparable sales in Spencers Ridge, 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 all homes for sale in Pace →
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Santa Rosa 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 · Santa Rosa 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.
Spencers Ridge Market Scorecard
Spencers Ridge is currently a buyer-leaning market (limited data). Limited supply, a median asking price of n/a.
Typical home value in the 32571 ZIP is $330,382, about 25.6% 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.
Frequently Asked Questions
How many homes are in Spencers Ridge?
What share of Spencers Ridge is owner-occupied?
When were the homes in Spencers Ridge built?
Who is the best real estate agent for Spencers Ridge?
How do I find a top Pace real estate agent who knows Spencers Ridge?
Can Momentum Realty connect me with an agent for Spencers Ridge?
Where is Spencers Ridge, and what county is it in?
Should you buy in Spencers Ridge?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Pensacola MLS, refreshed twice daily (last: September 20, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (community parcel extract) |
| Under-contract shares | Pensacola MLS records, as of 2026-07-12 |
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.
Own a home here?
You just read the data. Now see what your home is worth.
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 local comps.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Spencers Ridge fits the bigger picture — live prices, inventory, and Momentum Scores:
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