Summerdale in Pace

Summerdale

Established community · Pace, Santa Rosa County · ZIP 32571

An established, no-HOA Pace community on public utilities near Spencer Field and Five Points.

No HOAPublic utilitiesPace schools
Live Market Pulse
49/100
Momentum
Buyer-Leaning Market (limited data)
This is a mixed-vintage, no-HOA Pace market, so the vintage, condition, and lot decide where a home trades.
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Unlock Off-Market Summerdale

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
$286K
Median Price
24mo
Supply
22days
Avg DOM
Soft
Seller Leverage
$147/sf
Median $/Sqft
-6%
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Summerdale is an established no-HOA community in Pace near Spencer Field, built from 1998 with new construction continuing into recent years, so it reads as a mixed-vintage neighborhood with a real value angle. The pull is no HOA, public water and sewer, the Pace school district, and a convenient Five Points location. Value turns on the vintage, condition, and lot. Your leverage is reading the renovation math honestly against the Pace field."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Summerdale market snapshot (as of June 11, 2026): the median sale price is about $286K ($147 per sq ft), with homes averaging 22 days on market and 24.0 months of supply, a buyer-leaning market (limited data). Based on 1 recent closings in live Pensacola MLS data.

Summerdale is an established community in Pace (ZIP 32571), Santa Rosa County, near Spencer Field and Highway 90. It was started in 1998 with new construction continuing into recent years, so the neighborhood mixes older and newer homes while maintaining a consistent subdivision feel.

The homes range broadly from about $275,000 to $389,000, with square footage from roughly 1,437 to 3,004 square feet. Being an older neighborhood, Summerdale has no homeowners association or yearly fee, yet maintains a pleasant appearance, and all homes are on public water and public sewer.

The location is convenient: within jogging distance of Benny Russell Park, less than seven minutes to Five Points, about 15 minutes from Interstate 10, 25 minutes from Whiting Field, and 30 to 40 minutes from Pensacola Beach and Navarre Beach. It is in the Pace school district, part of the A-rated Santa Rosa County School District; confirm the zoning by address.

Because the stock spans 1998 into recent construction, the buy hinges on the vintage, an honest read of condition, and the specific lot. Well-kept and updated homes are the part of the value that holds up at resale, and the no-HOA, public-utility setup is a real carrying-cost and convenience plus.

Best for

  • Buyers who want an established Pace home with no HOA and public utilities
  • Buyers prioritizing the Pace school district and a Five Points location
  • Buyers comfortable with a mix of older and newer homes
  • Buyers who value being near Benny Russell Park and convenient corridors

Probably not for

  • Buyers who want a uniform, single-vintage subdivision
  • Buyers who want a downtown or beachfront location
  • Buyers seeking large estate lots or acreage
  • Buyers who want HOA-managed amenities

How Summerdale is performing right now

49/100
momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
24Months of supplytight
22Median days on marketdays
0 : 2Under contract vs for salestrong demand
1Sold in last 12 monthsliquidity
+127%Median price since 2012appreciation
+22%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 Summerdale 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 Summerdale buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Summerdale

Live MLS inventory for Summerdale. 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 Summerdale 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 Pace location is the draw: Five Points, a park, and I-10 are a short drive, with no HOA and public utilities, in the Pace school district.

Pace (Five Points)~7 min · ~3 miles
Benny Russell Park~3-5 min · ~1 mile
Interstate 10 (Avalon Blvd)~15 min · ~9 miles
NAS Whiting Field~25 min · ~14 miles
Downtown Pensacola~25-30 min · ~16 miles
Pensacola Beach~30-40 min · ~22 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 Summerdale with Momentum Realty’s local guides.

Spencers RidgeSpencers RidgePace, FL · adjacentSpencer Oaks LandingSpencer Oaks LandingPace, FL · 0.6 miFloridatown HeightsFloridatown HeightsPace, FL · 1.0 miHidden ForestHidden ForestPace, FL · 1.4 miJaimee'sRidgeJaimee'sRidgeMilton, FL · 1.4 miLakewood ManorLakewood ManorMilton, FL · 1.9 miAvalon ParkAvalon ParkMilton, FL · 2.3 miHeatherwoodHeatherwoodPace, FL · 2.3 miCottonwoodCottonwoodMilton, FL · 2.4 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
Summerdale (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
  • Santa Rosa 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

Summerdale is served by Santa Rosa 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 Summerdale address.

The takeaway

What is actually shaping value around Summerdale: a no-HOA, public-utility structure, rapid Pace growth and A-rated schools, and a convenient Five Points location. Each item is sourced and linked.

Recent Developments in Summerdale

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

Net OutlookBullishThe no-HOA value, public utilities, Pace growth, and schools point demand up. The watch item for a buyer is the vintage and condition on a specific home.

No HOA and public utilities are a value edge

Ongoing
BullishNotable impact
SignificanceRadius: Community

No yearly HOA fee plus public water and sewer keep carrying costs predictable, a real plus for value buyers.

Fast-growing Pace and A-rated schools

2025
BullishNotable impact
SignificanceRadius: County

Strong Pace growth and the Pace schools underpin demand for established, well-located neighborhoods.

Convenient Five Points and park access

Ongoing
BullishMinor impact
SignificanceRadius: Community

Proximity to Five Points, Benny Russell Park, and I-10 supports steady demand.

Mixed vintages keep it a home-by-home market

Ongoing
NeutralMinor impact
SignificanceRadius: Community

A spread of vintages means value is set home by home, not by a community average.

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 Summerdale, 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. January 2025
    County

    Santa Rosa County posts continued strong growth

    County data and reporting showed Santa Rosa among the fastest-growing counties in the metro, with strong, sustained housing demand in the Pace area. Why it matters: Sustained growth and schools underpin demand across Pace. Source

  2. March 2025
    Market

    Santa Rosa County housing inventory and sales climb

    Market data showed inventory and monthly sales rising sharply in early 2025 across the county. Why it matters: A deeper market gives buyers more options to weigh, a factor for pricing. 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 Summerdale, this is the order of operations we would run, and the one we run for our clients.

1

Confirm the vintage. Verify whether a home is from the earlier or later phases, since the neighborhood spans 1998 into recent years.

2

Read the condition. Price the systems honestly for the home's vintage before you judge the list price.

3

Confirm the no-HOA, public utilities. Verify there is no HOA fee and that the home is on public water and sewer.

4

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

5

Match the home to real comps. Vintage, condition, and the lot decide where a Summerdale home lands.

Best Buy
A well-kept newer or updated home on a solid lot, with no HOA, matched to comps
Biggest Risk
Underbudgeting systems on an older home, or assuming a single vintage
Best Lot
A larger or quieter lot on a well-maintained street
Smart Timing
Confirm the vintage, the public utilities, 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

Summerdale is an established community in Pace, near Spencer Field and Highway 90, started in 1998 with new construction continuing into recent years, mixing older and newer homes while maintaining a consistent subdivision feel. Homes range from about $275,000 to $389,000 and roughly 1,437 to 3,004 square feet. It has no homeowners association or yearly fee, all homes are on public water and public sewer, and it is within jogging distance of Benny Russell Park and minutes from Five Points and I-10, in the Pace school district. There is no golf or country-club membership; the value story is the home's vintage, condition, the lot, and the no-HOA, public-utility convenience.

The takeaway

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

The Earlier-Phase Home
$286K to $286K

Older homes from the earlier phases, the value entry into a no-HOA, public-utility Pace community.

Lowest entry
The Updated or Newer Home
$286K to $286K

Updated older homes or newer-phase construction on solid lots, the move-in heart of the market here.

Most inventory
The Top
$286K to $286K

Larger, newer or fully updated homes on the best lots, the homes that hold 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.

$286K to $286K
The Earlier-Phase Home
Older homes from the earlier phases, the value entry into a no-HOA, public-utility Pace community.
$286K to $286K
The Updated or Newer Home
Updated older homes or newer-phase construction on solid lots, the move-in heart of the market here.
$286K to $286K
The Top
Larger, newer or fully updated homes on the best lots, the homes that hold 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.

No HOA and public utilitiesStrong
Fast-growing Pace and A-rated schoolsStrong
Convenient Five Points and park accessPositive
Mixed vintages and conditionRead it carefully
Older systems on earlier-phase homesManage 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 Summerdale

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.

No HOA, public utilities, and the Pace schools are the draw. The deal is won or lost on the vintage, condition, and the renovation math.

Jon Brooks · Founder, Momentum Realty
7.5B · Buy Score
Resale Strength7.5/10
Renovation Risk4.8/10
Location Efficiency7.6/10
Long-Term Defensibility7.4/10
Carrying Cost Advantage8.8/10

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 Summerdale 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 carry the edge here
  • Vintage matters as much as the lot
  • No HOA means more freedom and responsibility
  • Public water and sewer simplify the systems
  • Read the vintage and condition before the finishes

In a mixed-vintage, no-HOA Pace community, the vintage and the lot do much of the work on value. Larger, quieter lots and newer or well-updated homes carry the durable edge, while older homes vary in condition. Read the home's vintage and condition, and price it to recent Pace comparable sales rather than a community average.

Summerdale in 15 seconds.

Best forBuyers who want an established Pace home with no HOA and public utilities in the Pace school district.
Biggest advantageNo HOA, public water and sewer, and a convenient Five Points location with strong schools.
Biggest riskCondition and systems costs across a mixed-vintage housing stock.
Sweet spotA well-kept newer or updated home on a solid lot, with no HOA, priced to comps.
Avoid ifYou want a uniform subdivision, HOA amenities, or a downtown or beach location.

HOA, CDD & Fees

15-Second Take
  • No HOA and no yearly fee
  • Public water and public sewer
  • Mixed vintages, 1998 into recent years
  • Pace school district, near Five Points
  • Budget condition by the home's vintage

Summerdale has no homeowners association or yearly fee, a real carrying-cost plus. Confirm there are no surprises for a specific home with the listing.

With no HOA, there are no amenity dues; the homes are on public water and public sewer, and the county maintains the public roads.

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

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 Summerdale, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Spencers Ridge, 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 Summerdale home worth?

Get a no-obligation home value based on real comparable sales in Summerdale 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 Summerdale 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 Summerdale 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.

Summerdale Market Scorecard

Strong buyer's market

Summerdale is currently a strong buyer's market. About 24.0 months of supply, a median asking price of $348,500, and homes go under contract in about 45 days.

24.0
Months supply
$348,500
Median list
$286,000
Median sold
$179
Per sqft
45
Days on mkt
2/0/1
Active/Pend/Sold

Typical home value in the 32571 ZIP is $327,859, about 25.9% below the Florida norm (Zillow Home Value Index).

Zoom out for the wider market: ZIP market scorecard · county 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 Summerdale in Pace?
Summerdale is an established community in Pace (ZIP 32571), Santa Rosa County, near Spencer Field and Highway 90.
What kind of homes are in Summerdale?
Single-family homes ranging from about $275,000 to $389,000 and roughly 1,437 to 3,004 square feet, spanning 1998 into recent construction.
Does Summerdale have an HOA?
No. Being an older neighborhood, Summerdale has no homeowners association or yearly fee, yet maintains a pleasant appearance. Confirm there are no surprises for a specific home.
Are Summerdale homes on city water and sewer?
Yes. All homes are on public water and public sewer, rather than well and septic. Confirm for a specific home.
Does Summerdale have a CDD fee?
No. The neighborhood pre-dates the CDD-heavy era of new master plans, so a CDD bond is not expected. Confirm per parcel as a matter of course.
What schools serve Summerdale?
Summerdale is in the Pace school district, part of the A-rated Santa Rosa County School District. Confirm the exact assignment for a specific address with the district.
Is Summerdale conveniently located?
Yes. It is within jogging distance of Benny Russell Park, less than seven minutes to Five Points, about 15 minutes from I-10, and 25 minutes from Whiting Field.
How old are the homes in Summerdale?
The neighborhood was started in 1998 with new construction continuing into recent years, so homes span a range of vintages. Read the systems carefully on any specific home.
Is Summerdale a good value?
No HOA fee, public utilities, and a convenient location make it appealing to value-focused buyers. The right figure for a specific home is a comparable-sales read.
Is Summerdale a good investment?
Pace's strong growth, the no-HOA structure, and the schools support demand. As with any mixed-vintage market, condition and the lot drive the outcome; this is not a guarantee of future value.
How far is Summerdale from the beaches?
Pensacola Beach and Navarre Beach are 30 to 40 minutes away. Confirm your real commute at your real departure time.
Should I use the listing agent to buy in Summerdale?
No. The listing agent works for the seller. On a mixed-vintage home where condition swings value, having your own representation is the highest-leverage decision you make.
Buyers who want an established Pace home with no HOA and public utilitiesExcellent fit
Buyers prioritizing the Pace school district and a Five Points locationExcellent fit
Buyers comfortable with a mix of older and newer homesExcellent fit
Buyers who value being near Benny Russell Park and convenient corridorsExcellent fit
Value-focused buyers who appreciate no yearly HOA feeExcellent fit
Buyers who want a uniform, single-vintage subdivisionProbably not
Buyers who want a downtown or beachfront locationProbably not
Buyers seeking large estate lots or acreageProbably not
Buyers who want HOA-managed amenitiesProbably not
Buyers unwilling to budget condition on an older homeProbably not

Get the inside read on Summerdale

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

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

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