Twenty One Oaks in Pensacola

Twenty One Oaks

Established 1988 · Intracoastal West · ZIP 32224

A small, built-out brick community in Beulah, a very low HOA, minutes from Navy Federal.

Brick, public utilitiesVery low HOA ($215/yr)Minutes from Navy Federal
Live Market Pulse
50/100
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 Twenty One Oaks

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

"Twenty One Oaks (also styled 21 Oaks) is a small, built-out (2017-2020) Breland Homes single-family community in the Beulah area, and its value is brick construction on public utilities at one of the lowest HOAs in the metro ($215 a year), minutes from the Navy Federal Beulah campus and I-10. The 47-lot community trades roughly $290,000 to $360,000, with a 12-month minimum lease keeping it owner-occupied. The honest reads are a weak zoned middle and high school pipeline, a tight 47-lot resale market, and entry-tier finishes to inspect. Buy it for the brick build, the tiny HOA, and the Navy Federal proximity; confirm the schools, inspect the home, and comp within the community."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Twenty One Oaks is a built-out single-family community in the Beulah area of northwest Pensacola (City of Pensacola, Escambia County, 32526), entered at 8465 Beulah Road, on Twenty One Oaks Drive and Lane.

It is a small community of 47 lots of one-story four-side-brick homes (around 1,589 to 2,300 square feet, three and four bedrooms), built by Breland Homes 2017-2020 on public sewer and water with underground utilities. The builder is sold out, so purchases are resales.

The carry is exceptionally light: an HOA of $215 a year (with full reserve funding), a 12-month minimum lease, and no CDD. Confirm the dues and the CC&Rs.

The draw is brick construction on public utilities minutes from the Navy Federal Beulah campus (5 to 8 minutes) and I-10 (under 5 minutes), at a tiny HOA. The trade-offs are a weak zoned middle and high school pipeline, a tight 47-lot resale market, and entry-tier finishes to inspect.

Best for

  • Navy Federal and I-10 commuters who want brick on public utilities at a tiny HOA
  • Buyers who value a small, owner-occupied community with a low carry
  • Families drawn to a solid zoned elementary who will plan for older grades

Probably not for

  • Families set on strong middle and high schools
  • Buyers who want new construction or large lots
  • Buyers who need deep resale liquidity

How Twenty One Oaks 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 Twenty One Oaks 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 Twenty One Oaks buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Twenty One Oaks

Live MLS inventory for Twenty One Oaks. 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 Twenty One Oaks 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 location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

Navy Federal (Beulah campus)~5-8 min · same ZIP corridor
I-10 (Exit 5, Nine Mile Rd)~3-5 min · under 2 miles
Nine Mile Road retail~5 min · Publix, dining
Pensacola International Airport (PNS)~20-25 min · via I-10
Downtown Pensacola~20-25 min · via I-10 east
NAS Pensacola~30-40 min · across the metro

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 Twenty One Oaks with Momentum Realty’s local guides.

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Carrying cost · the no-CDD edge

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

Typical CDD community~$2,500/yr
Twenty One Oaks (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

Twenty One Oaks 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 Twenty One Oaks address.

The takeaway

What is actually shaping value at Twenty One Oaks, sourced and dated. The brick build, the tiny HOA, and Navy Federal proximity are the practical facts.

Recent Developments in Twenty One Oaks

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

Net OutlookBullishThe backdrop is sustained Beulah-corridor demand from Navy Federal and a softer 32526 market. The recurring items are the weaker older-grade schools and the tight resale market.

Brick on public utilities at a tiny HOA near Navy Federal

BullishFour-side-brick homes on public sewer and water at a $215/yr HOA minutes from one of the region's largest employers is real value. impact
SignificanceRadius: Beulah corridor

Brick on public utilities at a tiny HOA near Navy Federal

Tight 47-lot resale market

NeutralWith only 47 lots and the builder sold out, listings are infrequent; comp carefully on thin data. impact
SignificanceRadius: Community

Tight 47-lot resale market

Weak middle and high school pipeline

BearishThe zoned middle and high schools rate weaker; families should plan for charter or choice options. impact
SignificanceRadius: Community

Weak middle and high school pipeline

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 Twenty One Oaks, 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. 2024-2026
    Market

    Active small-community resale

    HOA dues rose from $200 (2024) to $215 (2025-2026), and homes sold and listed in the $289,900 to $360,000 range, with a Feb 2025 sale at $342,500, showing continued demand. Why it matters: Comp within the small community; the brick build and Navy Federal proximity support demand. Source

  2. 2024-2025
    Schools

    Beulah-area school grades mixed

    Beulah Elementary rates adequate (5-6/10, Niche B), while Beulah Middle (3-4/10) and Pine Forest High (weak) rate lower; Beulah Academy of Science is a nearby charter option. Why it matters: Confirm the zoned schools by address and weigh the older grades. 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 Twenty One Oaks, this is the order of operations we would run, and the one we run for our clients.

1

Verify the schools, especially older grades. Confirm the assigned schools by address, weighing the adequate elementary and the weaker middle and high schools and any charter options.

2

Confirm the HOA and CC&Rs. Verify the $215/yr HOA, the 12-month minimum lease, and the CC&Rs.

3

Get an independent inspection. Use your own inspector on a 2017-2020 Breland home for the roof, systems, and grading.

4

Confirm there is no CDD. Verify there is no CDD for the specific parcel.

5

Comp within the community. Resale comps are thin in a 47-lot community; price to recent Twenty One Oaks sales.

Best Buy
A well-kept 2017-2020 brick home priced to recent in-community comps, with the HOA confirmed and a clean inspection, minutes from Navy Federal.
Biggest Risk
Overpaying on thin comps, or buying without weighing the older-grade schools.
Best Lot
Lots are small and similar; weigh what the home backs to and the drainage.
Smart Timing
A softer 32526 market gives buyers room; comp carefully in a small community.
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

Twenty One Oaks (also styled 21 Oaks) is a built-out single-family community in the Beulah area of northwest Pensacola (City of Pensacola, Escambia County, 32526), entered at 8465 Beulah Road, with 47 lots of one-story four-side-brick homes (around 1,589 to 2,300 square feet) built by Breland Homes 2017-2020 on public sewer and water. The carry is exceptionally light, with a $215-a-year HOA (full reserve funding, 12-month minimum lease) and no CDD. The draw is brick construction on public utilities minutes from the Navy Federal Beulah campus and I-10; trade-offs are a weak zoned middle and high school pipeline, a tight 47-lot resale market, and entry-tier finishes to inspect. Schools are in the Escambia County School District; confirm assignments by address.

The takeaway

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

Entry: smaller brick homes

The lower end is the smaller three-bedroom brick homes (around 1,589 square feet), with a 2025 listing around $289,900 (Rocket Homes). The tiny HOA keeps the carry minimal.

Lowest entry
Mid: three- and four-bedroom homes

The core is the three- and four-bedroom homes (around 1,798 to 2,100 square feet), with a Feb 2025 sale around $342,500 (Zillow).

Most inventory
High: largest or updated homes

The top is the largest or most updated homes, with a 2026 listing around $360,000 (Redfin). Size and condition separate these; comp within the community.

Strongest resale

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

Entry: smaller brick homes
The lower end is the smaller three-bedroom brick homes (around 1,589 square feet), with a 2025 listing around $289,900 (Rocket Homes). The tiny HOA keeps the carry minimal.
Mid: three- and four-bedroom homes
The core is the three- and four-bedroom homes (around 1,798 to 2,100 square feet), with a Feb 2025 sale around $342,500 (Zillow).
High: largest or updated homes
The top is the largest or most updated homes, with a 2026 listing around $360,000 (Redfin). Size and condition separate these; comp within the community.

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 Twenty One Oaks

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.

Twenty One Oaks is brick on public utilities at a tiny HOA near Navy Federal. The honest read is the weaker older-grade schools and a tight resale market, not the carry.

Jon Brooks · Founder, Momentum Realty
7.6B+ · Buy Score
Resale Strength7.6/10
Renovation Risk8.2/10
Location Efficiency8.4/10
Long-Term Defensibility7.6/10
Carrying Cost Advantage8.6/10

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 Twenty One Oaks 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
  • Lots are small and similar; check what each backs to.
  • Weigh drainage on the specific lot.
  • Confirm the FEMA flood zone for the address.

Twenty One Oaks' lots are small, similar Breland parcels, so the lot read is about the margins: what the home backs to, the drainage, and the FEMA flood zone for the specific Beulah address. Because the homes are similar four-side-brick builds, the lot and the home's condition, not square footage alone, separate one home's value from the next.

Twenty One Oaks in 15 seconds.

Best forNavy Federal and I-10 commuters who want brick on public utilities at a tiny HOA minutes from work.
Strong onConstruction and carry: four-side-brick homes, public sewer and water, a $215/yr HOA, and minutes to Navy Federal and I-10.
WatchA weak middle and high school pipeline, a tight 47-lot resale market, and entry-tier finishes to inspect.
Not forFamilies set on strong older-grade schools, buyers wanting new construction or large lots, or those needing deep resale liquidity.
The edgeBrick on public utilities at a tiny HOA near Navy Federal rewards a prepared buyer who comps carefully.

HOA, CDD & Fees

15-Second Take
  • HOA $215/yr, among the lowest in the metro.
  • No CDD; 12-month minimum lease.
  • Four-side-brick on public sewer and water.
  • 47 lots; thin resale supply.
  • Weaker zoned middle and high schools.

The HOA is $215 a year (up from $200 in 2024), with full reserve funding and a 12-month minimum lease, and no CDD, among the lowest dues in the metro. Confirm the dues, the CC&Rs, and the pet limit (two per unit). The real costs are taxes, insurance, and the upkeep of a 2017-2020 home.

Dues cover common-area landscaping at the modest level; confirm the exact coverage for the specific home.

There are no resort amenities; the appeal is the brick construction, the public utilities, and the Navy Federal proximity.

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 Twenty One Oaks, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Twenty One Oaks, 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 Twenty One Oaks home worth?

Get a no-obligation home value based on real comparable sales in Twenty One Oaks 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 Twenty One Oaks 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 Twenty One Oaks 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.

Twenty One Oaks Market Scorecard

Thin data

Twenty One Oaks 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

Is Twenty One Oaks the same as 21 Oaks?
Yes. The community is styled both Twenty One Oaks and 21 Oaks, a 47-lot Breland Homes brick community in the Beulah area (8465 Beulah Road, 32526).
Does Twenty One Oaks have an HOA or CDD?
It has a very low HOA of $215 a year (full reserve funding, 12-month minimum lease) and no CDD. Confirm the dues and the CC&Rs.
Who built Twenty One Oaks?
Breland Homes built the 47-lot community 2017-2020, in one-story four-side-brick plans from about 1,589 to 2,300 square feet on public utilities. It is sold out, so purchases are resales.
How close is Twenty One Oaks to Navy Federal?
Very close, about 5 to 8 minutes to the Navy Federal Beulah campus, with I-10 under 5 minutes, putting the airport and downtown within about 20 to 25 minutes.
How much do homes in Twenty One Oaks cost?
Resales ran roughly $290,000 to $360,000 (Zillow / Rocket / Redfin, 2024-2026), with a Feb 2025 sale at $342,500. Confirm current pricing with in-community comps.
What schools serve Twenty One Oaks?
It is in the Escambia County School District, typically Beulah Elementary (adequate, 5-6/10), Beulah Middle (weaker), and Pine Forest High (weak), with Beulah Academy of Science a nearby charter option. Confirm the assignment by address.
Are the homes brick and on public utilities?
Yes. The homes are four-side brick on public sewer and water with underground utilities, not well and septic.
Is Twenty One Oaks gated?
No. Per the HOA record there are no access devices; it is an open, built-out community, not gated.
Is Twenty One Oaks in a flood zone?
Flood risk is parcel-specific; the Beulah area is at moderate elevation. Confirm the FEMA flood zone for the specific lot.
What should I check before buying in Twenty One Oaks?
Verify the schools, confirm the HOA and CC&Rs, get an independent inspection, confirm there is no CDD, and comp to recent in-community sales.
Is Twenty One Oaks a good investment?
Brick on public utilities at a tiny HOA minutes from Navy Federal supports steady demand, but the weaker older-grade schools and a tight resale market are factors. Comp carefully and verify the schools; this is not a guarantee of future value.
Should I use the listing agent to buy in Twenty One Oaks?
No. The listing agent works for the seller. Having your own representation to read the comps, the costs, and the inspection is the highest-leverage decision you make.
You commute to Navy Federal or the I-10 corridor and want brick at a tiny HOAExcellent fit
You value a small, owner-occupied community with a low carryExcellent fit
You are drawn to a solid zoned elementary and will plan for older gradesExcellent fit
You are set on strong middle and high schoolsProbably not
You want new construction or large lotsProbably not
You need deep resale liquidityProbably not

Get the inside read on Twenty One Oaks

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

Twenty One Oaks median home price history from 2012 to 2026 — chart by Momentum Realty
Median sale price in Twenty One Oaks, 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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