Windchase Bay in Pensacola

Windchase Bay

Established 1988 · Intracoastal West · ZIP 32224

An affordable, residential Escambia Bay condo on Scenic Highway, minutes from the airport.

Bayfront viewsResidential (no STR)Minutes to the airport
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 Windchase Bay

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

"Windchase Bay is an affordable, residential (no short-term rental) condominium community on Scenic Highway above Escambia Bay in southeast Pensacola, an owner-and-long-term-resident building rather than a vacation complex. The appeal is bay views and a central location at an attainable price, two-bedroom units commonly $185,000 to $230,000, minutes from the airport and I-110. The carry is a $400-a-month condo fee covering the pool and building maintenance, with no CDD. The honest reads are that this is a 1983 garden-style building (budget for ongoing capital needs and confirm the reserve and inspection posture), weak zoned schools, and bayfront flood and wind insurance. Buy it for affordable bayfront, owner-occupied living near the airport; verify the reserves and price the insurance."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Windchase Bay is an established condominium community at 2299 Scenic Highway in southeast Pensacola (Escambia County, 32503), in two-story garden-style buildings on the eastern shore of Escambia Bay, built around 1983.

It is a residential community of two-bedroom, two-bath units (roughly 1,000 to 1,200-plus square feet), some with vaulted ceilings, private patios, and bay views, with two assigned parking spaces, a gated pool, and landscaped grounds. It is owner-occupied and long-term rental, not a vacation-rental building.

The carry is a flat $400-a-month condo fee covering common-area and building maintenance and the pool, with no CDD. As a 1983 building, confirm the reserve and milestone-inspection posture before buying.

The appeal is affordable bayfront living in a central location, about nine minutes to the airport and a short drive to downtown and I-110. The trade-offs are the older building's capital needs, weak zoned schools, and bayfront flood and wind insurance.

Best for

  • Owner-occupants who want affordable bayfront views near the airport
  • Buyers who prefer a stable, residential building over a vacation complex
  • Buyers who will verify the older building's reserves and price the insurance

Probably not for

  • Investors seeking short-term rental income
  • Families set on strong zoned schools
  • Buyers sensitive to a $400-a-month fee on an aging building

How Windchase Bay 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 Windchase Bay 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 Windchase Bay buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Windchase Bay

Live MLS inventory for Windchase Bay. 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 Windchase Bay 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.

Pensacola International Airport (PNS)~9 min · ~3.4 miles
Downtown Pensacola~10-12 min · ~4-5 miles
I-10 (via I-110)~10-15 min · north
NAS Pensacola~25 min · ~11 miles
Pensacola Beach~20-25 min · via Gulf Breeze
Escambia Bay (on-site)~0 min · bayfront setting

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 Windchase Bay with Momentum Realty’s local guides.

EPEast Pensacola HeightsPensacola, FL · 0.6 miPensacola Scenic ArmsPensacola Scenic ArmsPensacola, FL · 1.0 miCountry Club PlaceCountry Club PlacePensacola, FL · 1.0 miCordovaParkCordovaParkPensacola, FL · 1.2 miMIMiradorPensacola, FL · 1.3 miMHMallory HeightsPensacola, FL · 1.4 miPensacola RichelieuPensacola RichelieuPensacola, FL · 1.5 miLakewoodCottagesLakewoodCottagesPensacola, FL · 1.6 miCPCordova PlacePensacola, FL · 1.7 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
Windchase Bay (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

Windchase Bay 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 Windchase Bay address.

The takeaway

What is actually shaping value at Windchase Bay, sourced and dated. The residential bayfront setting, the airport proximity, and the older building are the practical facts.

Recent Developments in Windchase Bay

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

Net OutlookBullishThe backdrop is an affordable, active 32503 condo market and a stable owner-occupied building. The recurring item is the 1983 building's capital and reserve posture.

Affordable bayfront, residential building

BullishBay views at an attainable price (two-bedroom units $185,000 to $230,000) in a residential, owner-occupied building near the airport is real value. impact
SignificanceRadius: Community

Affordable bayfront, residential building

Long-term residential, no short-term rentals

BullishThe community is owner-occupied and long-term rental, with no evidence of short-term-rental marketing, supporting stability. impact
SignificanceRadius: Community

Long-term residential, no short-term rentals

1983 building with capital needs

BearishA 42-year-old bayfront building has ongoing capital needs; confirm the reserve study, milestone-inspection posture, and any assessment. impact
SignificanceRadius: Community

1983 building with capital needs

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 Windchase Bay, 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. 2025-2026
    Community

    Active COA, modest condo market

    The Windchase Bay COA published newsletters into 2025-2026 and is professionally managed; units sold around $215,000 to $450,000 (the high end an outlier) with a 2026 listing near $199,900. Why it matters: An active COA is a positive; confirm the reserve and inspection posture and comp within the building. Source

  2. 2025
    Insurance

    Pensacola FEMA flood maps updated

    The Pensacola FEMA flood maps updated in August 2025, relevant to a bayfront building on Escambia Bay. Why it matters: Confirm the building's flood posture and any owner-required coverage for the unit. 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 Windchase Bay, this is the order of operations we would run, and the one we run for our clients.

1

Get the reserve and inspection posture. As a 1983 bayfront building, request the reserve study, any milestone-inspection status, and the assessment history before you write.

2

Run the all-in cost with the $400 fee. Model the monthly fee plus taxes and bayfront insurance against the purchase price.

3

Confirm the leasing rules. Long-term leasing is allowed; confirm the rules and that short-term rentals are not permitted if that matters to you.

4

Confirm the building insurance. Verify the master wind and flood policy and any owner-required coverage on a bayfront building.

5

Verify the school zone. Confirm the assigned schools by address, noting the weaker zoned schools.

Best Buy
A well-kept bay-view unit in a building with a clear reserve and inspection picture, bought as an owner-occupant for the affordable bayfront and airport proximity.
Biggest Risk
A special assessment on the aging building, or underpricing bayfront insurance.
Best Lot
Unit floor, layout, and bay-view orientation vary; weigh those rather than a yard.
Smart Timing
An affordable, active market supports demand; the key variable is the building's reserve and capital posture.
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

Windchase Bay is an established residential condominium community at 2299 Scenic Highway in southeast Pensacola (Escambia County, 32503), in two-story garden-style buildings on Escambia Bay, built around 1983, with two-bedroom units (roughly 1,000 to 1,200-plus square feet), a gated pool, and bay views. It is owner-occupied and long-term rental, not a vacation-rental building. The carry is a flat $400-a-month condo fee with no CDD; as a 1983 building, confirm the reserve and milestone-inspection posture. The appeal is affordable bayfront living minutes from the airport; trade-offs are the older building's capital needs, weak zoned schools, and bayfront flood and wind insurance. 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: standard two-bedroom units

The lower end is the standard two-bedroom units (around 1,000 to 1,200 square feet), with an active listing near $199,900 and a 2023 sale around $215,000 (Highrises / Zillow, 2023-2026).

Lowest entry
Mid: updated or bay-view units

The core is updated or better bay-view two-bedroom units, with for-rent asking around $1,350 to $1,700 a month indicating the residential, long-term character (Apartments.com, 2026).

Most inventory
High: largest units

The top is the largest units, with a 2024 sale around $450,000 for a larger floor plan (Zillow, 2024) as an outlier. Floor, view, and size separate these; comp within the building.

Strongest resale

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

Entry: standard two-bedroom units
The lower end is the standard two-bedroom units (around 1,000 to 1,200 square feet), with an active listing near $199,900 and a 2023 sale around $215,000 (Highrises / Zillow, 2023-2026).
Mid: updated or bay-view units
The core is updated or better bay-view two-bedroom units, with for-rent asking around $1,350 to $1,700 a month indicating the residential, long-term character (Apartments.com, 2026).
High: largest units
The top is the largest units, with a 2024 sale around $450,000 for a larger floor plan (Zillow, 2024) as an outlier. Floor, view, and size separate these; comp within the building.

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 Windchase Bay

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.

Windchase Bay is affordable, residential bayfront near the airport. The honest read is the 1983 building's reserves and the $400 fee, not the view alone.

Jon Brooks · Founder, Momentum Realty
7.0B · Buy Score
Resale Strength7.0/10
Renovation Risk5.8/10
Location Efficiency8.0/10
Long-Term Defensibility7.2/10
Carrying Cost Advantage6.2/10

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 Windchase Bay 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
  • It is a condo: weigh floor, layout, and bay view.
  • The building's reserves and capital posture are the asset risk.
  • Bay-view units carry the premium.

Windchase Bay is a condominium, so there is no lot; the equivalent is the unit and the building. Weigh the unit's floor, layout, and bay-view orientation, and, most of all, the 1983 building's reserve and capital posture, which is the real risk on a bayfront building. A clear reserve picture and a current inspection are what protect value here.

Windchase Bay in 15 seconds.

Best forOwner-occupants who want affordable bayfront views near the airport in a residential building.
Strong onViews, value, and location: Escambia Bay views, an attainable price, a residential building, and minutes to the airport and downtown.
WatchA 1983 building's reserve and capital posture, a $400-a-month fee, weak zoned schools, and bayfront insurance.
Not forInvestors wanting short-term rental income, families set on strong schools, or buyers sensitive to a high fee on an aging building.
The edgeA residential, long-term building keeps it stable, a plus for an owner-occupant who verifies the reserves.

HOA, CDD & Fees

15-Second Take
  • Residential (owner-occupied, long-term); no short-term rentals.
  • Condo fee $400/month; no CDD.
  • 1983 bayfront building; confirm reserves.
  • Minutes to the airport and downtown.
  • Weaker zoned schools.

The condo fee is a flat $400 a month, covering common-area and building maintenance and the pool, with no CDD. As a 1983 bayfront building, the key item is capital posture: request the reserve study, any milestone-inspection status, and the assessment history before buying. The larger cost is bayfront flood and wind insurance.

The fee covers building maintenance, the gated pool, and common areas; confirm the reserves and any pending assessment for the specific unit.

The amenity is a gated community pool with landscaped grounds; the appeal is the bayfront setting and the central location.

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 Windchase Bay, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Windchase Bay, 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 Windchase Bay home worth?

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

Windchase Bay Market Scorecard

Thin data

Windchase Bay 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 Windchase Bay a vacation-rental building?
No. It is a residential, owner-occupied condominium with long-term leasing; there is no evidence of short-term-rental marketing. Confirm the leasing rules in the documents.
What does the condo fee cover, and how much is it?
The fee is a flat $400 a month, covering common-area and building maintenance and the gated pool. No CDD applies. Confirm the reserves and any pending assessment for the specific unit.
What should I check before buying at Windchase Bay?
The building's capital posture. As a 1983 bayfront building, request the reserve study, any milestone-inspection status, and the assessment history, and run the all-in cost with the $400 fee.
How much do units at Windchase Bay cost?
Standard two-bedroom units run roughly $185,000 to $230,000, with a 2026 listing near $199,900 and a larger-unit outlier around $450,000 (Highrises / Zillow, 2023-2026). Confirm current pricing with in-building comps.
Is Windchase Bay waterfront?
Yes. It sits on the eastern shore of Escambia Bay on Scenic Highway, with bay views from many units, a genuine waterfront setting at an affordable price.
What schools serve Windchase Bay?
It is in the Escambia County School District, with assignments commonly to Scenic Heights Elementary, Ferry Pass Middle, and Washington High, which rate weaker. Confirm the assignment by address.
How central is Windchase Bay?
Very central. The airport is about nine minutes away, downtown 10 to 12, and I-110 a short drive, with NAS Pensacola about 25 minutes.
How old is the building?
It was built around 1983, so it is an older bayfront garden-style building, which is why the reserve and capital posture is the key diligence item.
Will I need flood insurance at Windchase Bay?
Likely, as a bayfront building on Escambia Bay, and the FEMA maps updated in 2025. Confirm the building's master wind and flood policy and any owner-required coverage.
What should I check before buying at Windchase Bay?
Request the reserve study and inspection posture, run the all-in cost with the $400 fee, confirm the leasing rules and building insurance, and verify the school zone.
Is Windchase Bay a good investment?
As an owner-occupant home it offers affordable bayfront living near the airport, but it is not a short-term-rental property, and the older building's capital posture, the $400 fee, and weak schools are the key variables. Verify the reserves; this is not a guarantee of future value.
Should I use the listing agent to buy in Windchase Bay?
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 are an owner-occupant who wants affordable bayfront views near the airportExcellent fit
You prefer a stable, residential building over a vacation complexExcellent fit
You will verify the older building's reserves and price the insuranceExcellent fit
You want short-term rental incomeProbably not
You are set on strong zoned schoolsProbably not
You are sensitive to a $400-a-month fee on an aging buildingProbably not

Get the inside read on Windchase Bay

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

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