Zachary Estates in Pensacola

Zachary Estates

Established HOA neighborhood · Pensacola · ZIP 32526

An established 1990s HOA neighborhood of Adams-built homes in northwest Pensacola.

Established 1990sHOA governedNorthwest corridor
Live Market Pulse
52/100
Momentum
Buyer-Leaning Market (limited data)
Zachary Estates is an established Adams-built HOA neighborhood, so condition, the home, and the lot set where a home lands more than any headline number; confirm specifics per property.
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Unlock Off-Market Zachary Estates

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
$260K
Median Price
4mo
Supply
0days
Avg DOM
Soft
Seller Leverage
$155/sf
Median $/Sqft
-6%
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Zachary Estates is a settled, single-phase HOA neighborhood of about 123 homes built by Adams Homes starting in 1999, off Zachary Boulevard in the growing northwest Pensacola corridor near Navy Federal. The read is condition and the lot together with the HOA terms, on a consistent late-1990s stock, with the managed standard and the corridor growth as the backdrop."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Zachary Estates market snapshot (as of June 11, 2026): the median sale price is about $260K ($155 per sq ft), a buyer-leaning market (limited data). Based on 3 recent closings in live Pensacola MLS data.

Zachary Estates is an established HOA neighborhood in northwest Pensacola, Escambia County (ZIP 32526), off Zachary Boulevard, developed in a single phase of about 123 lots starting in 1999 with homes built by Adams Homes.

As a late-1990s community, the housing stock is relatively consistent, so condition and updates separate one sale from the next. An HOA protects a community standard, so confirm the dues and rules.

The relatively young, consistent stock and the managed standard are durable draws, while the HOA terms shape the carrying cost.

Northwest Pensacola sits in the growing corridor anchored by the Navy Federal expansion and funded road projects, with shopping and I-10 close.

Best for

  • Buyers who want a consistent late-1990s home in a managed neighborhood
  • Navy Federal and northwest-corridor commuters
  • Buyers who value a community standard
  • Buyers comfortable with HOA dues and rules

Probably not for

  • Buyers who want no HOA and the lowest carrying cost
  • Buyers who want a waterfront or beach address
  • Buyers who want a large custom or estate home
  • Buyers who want an urban, walkable setting

How Zachary Estates is performing right now

52/100
momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
4Months of supplytight
0Median days on marketdays
0 : 1Under contract vs for salestrong demand
3Sold in last 12 monthsliquidity
+127%Median price since 2012appreciation
+3%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 Zachary Estates 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 Zachary Estates buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Zachary Estates

Live MLS inventory for Zachary Estates. 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 Zachary Estates 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

Zachary Estates offers a consistent, managed northwest Pensacola neighborhood near Navy Federal and I-10.

Northwest Pensacola retail~5 to 10 min · daily needs
Interstate 10~10 min · regional access
Navy Federal corridor (Beulah)~15 to 20 min · major employer
Downtown Pensacola~25 min · via I-10
Pensacola Int'l Airport (PNS)~25 min · east side
Pensacola Beach~40 min · via Gulf Breeze

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 Zachary Estates with Momentum Realty’s local guides.

BaybrookBaybrookPensacola, FL · adjacentHeritage WoodsHeritage WoodsPensacola, FL · adjacentGLGlenhollowPensacola, FL · 0.4 miForest CreekForest CreekPensacola, FL · 0.6 miOakcliff EstatesOakcliff EstatesPensacola, FL · 0.6 miEagle PointeEagle PointePensacola, FL · 0.7 miTOTwenty One OaksPensacola, FL · 0.9 miAmelia PlaceAmelia PlacePensacola, FL · 1.2 miBrylingtonManorBrylingtonManorPensacola, FL · 1.2 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
Zachary Estates (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

Zachary Estates 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 Zachary Estates address.

The takeaway

What is shaping value around Zachary Estates: the historic Navy Federal expansion, the funded Beulah I-10 interchange, and steady growth in the north and northwest Pensacola corridor. Each item is sourced and linked.

Recent Developments in Zachary Estates

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

Net OutlookBullishThe corridor's drivers point up: a major employer expanding nearby and funded road capacity. The watch items are condition on a varied stock and statewide insurance costs.

Navy Federal expansion nearby

Ongoing
BullishMajor impact
SignificanceRadius: Area

An employer growing toward roughly 10,000 area jobs anchors housing demand across the corridor.

$240M funded Beulah I-10 interchange

2024
BullishMajor impact
SignificanceRadius: Corridor

Funded interchange and I-10 widening improve regional access for the north and northwest corridor.

Steady corridor growth

Ongoing
BullishNotable impact
SignificanceRadius: Area

Sustained corridor growth supports demand, with road projects addressing the added traffic.

Convenient access to jobs and shopping

Ongoing
BullishNotable impact
SignificanceRadius: Area

Proximity to employment and retail keeps the buyer pool steady.

Varied housing stock

Ongoing
NeutralNotable impact
SignificanceRadius: Community

A varied stock means condition and the lot, not a single standard, set pricing.

Florida insurance costs

Ongoing
BearishNotable impact
SignificanceRadius: Area

Rising statewide insurance is a carrying-cost factor to confirm early.

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 Zachary Estates, 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 2024
    Employer

    Navy Federal expansion drives Pensacola-area growth

    Navy Federal Credit Union, the region's largest private employer, continued a historic expansion of its campus, with thousands of added jobs and capital investment reported near $1 billion. Why it matters: A major employer growing nearby anchors demand across the north and northwest Pensacola corridor. Source

  2. July 2024
    Infrastructure

    Beulah I-10 interchange gets $240M in state funding

    The Beulah Road and I-10 interchange project, with I-10 widening from the state line east, received $240 million in state funding, phased over several years. Why it matters: Funded road capacity improves access for the corridor Zachary Estates sits in. 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 Zachary Estates, this is the order of operations we would run, and the one we run for our clients.

1

Read the home and the lot, the condition, the plan, and the lot.

2

Check the systems and any updates, which drive price and insurability on a resale.

3

Confirm any HOA, whether a CDD applies, and whether a parcel is on public utilities or well and septic.

4

Verify the zoned schools by address.

5

Cross-shop a peer, and weigh Amelia Place nearby.

Best Buy
A sound home on a strong lot at the right price
Biggest Risk
Underbudgeting systems or overlooking utilities and HOA terms
Best Lot
Larger and well-positioned lots over standard interior lots
Smart Timing
Confirm condition, utilities, and any HOA 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

Zachary Estates is an established HOA neighborhood in northwest Pensacola off Zachary Boulevard, developed in a single phase of about 123 lots starting in 1999 with homes built by Adams Homes. As a late-1990s community the stock is relatively consistent, so condition and updates separate one sale from the next, and an HOA protects a community standard. Northwest Pensacola sits in the growing corridor anchored by the Navy Federal expansion and funded road projects. Confirm the HOA dues and rules, any CDD, the systems, and school zoning per home.

The takeaway

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

The Starter
$245K to $260K

Smaller or value homes, the entry into the community.

Lowest entry
The Core Home
$260K to $275K

Sound homes on solid lots, the heart of the market here.

Most inventory
The Larger Home
$275K to $275K

Larger homes on the better lots, the homes that hold value best in the subdivision.

Strongest resale

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

$245K to $260K
The Starter
Smaller or value homes, the entry into the community.
$260K to $275K
The Core Home
Sound homes on solid lots, the heart of the market here.
$275K to $275K
The Larger Home
Larger homes on the better lots, the homes that hold value best in the subdivision.

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.

Consistent late-1990s stockStrong
Managed HOA standardStrong
Northwest corridor growthPositive
1990s systems age and HOA termsManage it
Florida insurance costsManage 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 Zachary Estates

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.

The managed standard and the corridor growth are the draw. The deal is won or lost on the home, the lot, and the HOA terms.

Jon Brooks · Founder, Momentum Realty
7.7B · Buy Score
Resale Strength7.7/10
Renovation Risk6.4/10
Location Efficiency7.8/10
Long-Term Defensibility7.8/10
Carrying Cost Advantage7.6/10

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 Zachary Estates 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 home and the lot drive value
  • Larger, well-positioned lots hold value best
  • The managed standard supports value
  • Confirm any HOA or CDD
  • Read the home and the lot first

In a residential subdivision, value is in the specific home and lot. Zachary Estates's a consistent Adams-built stock with a managed standard in a growing corridor is the durable draw, while individual homes vary by condition. Read the systems and the lot first, then price against carefully matched comps.

Zachary Estates in 15 seconds.

Best forBuyers who want a consistent late-1990s home in a managed neighborhood near Navy Federal.
Biggest advantageA consistent Adams-built stock with a managed standard in the growing northwest corridor.
Biggest riskSystems age and HOA terms on a late-1990s stock.
Sweet spotA sound home on a strong lot matched to recent comps.
Avoid ifYou want no HOA, a waterfront address, or an urban setting.

HOA, CDD & Fees

15-Second Take
  • Established 1990s Adams-built HOA neighborhood
  • About 123 homes, single phase
  • Confirm dues, rules, and any CDD
  • Home, lot, and HOA terms drive value
  • Northwest corridor growth

Zachary Estates is an HOA neighborhood; confirm the current dues, what they cover, and the rules with the association. Confirm whether a CDD applies per parcel. Confirm insurance, a statewide cost factor.

Generally a traditional subdivision; confirm any association rights, restrictions, or utility arrangements on a specific property.

The takeaway

In Zachary Estates your home, lot, and condition decide your number; we build the case with real comps, not an automated guess.

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 Zachary Estates, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Amelia 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 Zachary Estates home worth?

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

Zachary Estates Market Scorecard

Balanced

Zachary Estates is currently a balanced. About 4.0 months of supply, a median asking price of $285,000.

4.0
Months supply
$285,000
Median list
$260,000
Median sold
$160
Per sqft
n/a
Days on mkt
1/0/3
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 Zachary Estates?
Zachary Estates is an established HOA neighborhood in northwest Pensacola, Escambia County (ZIP 32526), off Zachary Boulevard.
What kind of homes are in Zachary Estates?
Adams Homes built in a single phase of about 123 lots starting in 1999, a relatively consistent late-1990s stock. Condition and updates separate one sale from the next.
What do homes cost in Zachary Estates?
It is a condition-and-lot-driven established market. The figure that matters is the comparable-sales read on a specific home.
Does Zachary Estates have an HOA?
It may carry an HOA or deed restrictions. Confirm whether one applies, the dues, and the rules per home.
What schools serve Zachary Estates?
It is part of Escambia County Public Schools. School assignment is by address, so confirm the exact zoning for a specific home.
When was Zachary Estates built?
It was developed in a single phase of about 123 lots starting in 1999, with homes built by Adams Homes. Confirm the build year on a specific home.
Why is public detail on Zachary Estates limited?
It is a smaller community, so detailed public information is thin. The best read is the comparable-sales analysis on a specific home, which is what we provide.
Is there a CDD in Zachary Estates?
Confirm whether a Community Development District applies to a specific parcel as part of your due diligence.
Is Zachary Estates a good investment?
Its location and setting support steady demand. As with any residential community, the home, the lot, and condition drive the outcome; this is not a guarantee of future value.
What should I check before buying in Zachary Estates?
The home's condition and systems, the lot, utilities, any HOA, school zoning, and the comparable-sales read.
Is Zachary Estates a good fit for first-time buyers?
It can be, depending on the specific home and price. Confirm the condition, any HOA, and the comparable-sales read on a specific home.
What should I confirm about the lot in Zachary Estates?
Confirm the lot size, any drainage, the trees or setting, and what the home backs to, since the lot is a real value factor here.
Should I use the listing agent to buy in Zachary Estates?
No. The listing agent works for the seller. Having your own representation, especially when condition and the lot swing value, is the highest-leverage decision you make.
Buyers who want a consistent late-1990s home in a managed neighborhoodExcellent fit
Navy Federal and northwest-corridor commutersExcellent fit
Buyers who value a community standardExcellent fit
Buyers comfortable with HOA dues and rulesExcellent fit
Buyers who want no HOA and the lowest carrying costProbably not
Buyers who want a waterfront or beach addressProbably not
Buyers who want a large custom or estate homeProbably not
Buyers who want an urban, walkable settingProbably not

Get the inside read on Zachary Estates

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

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