Waterfront Homes for Sale in Pensacola, FL
This page tracks every Pensacola listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
127 waterfront homes are for sale or pending in Pensacola, FL today across 54 communities. The median asking price is $635,000, from $69,900 to $4,995,000. Listings in Pensacola without that feature have a median of $319,000. Most listings right now: Bayshore (8), Harbour Pointe (5), Country Club Place (3). Updated September 27, 2026 from the MLS.
Live waterfront homes in Pensacola: the listings
90 active listings carry the flag today (11% of Pensacola inventory), median asking $597,450, $361/sq ft, median 87 days on market. Photo cards link to the listing; refreshed nightly.
Newest waterfront homes in Pensacola
The most expensive waterfront homes in Pensacola
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 16557 Perdido Key Dr #10Pw1 | $4,525,000 | 3,867 | — |
| 1921 E Strong St | $3,899,000 | 5,500 | New City |
| 835 Tanglewood Dr | $3,800,000 | 6,498 | Cordova Park |
| 10316 Chemstrand Rd | $3,495,000 | 6,954 | — |
| 1725 E La Rua St | $3,100,000 | 6,437 | New City |
| 16557 Perdido Key Dr #8Ae4 | $2,700,000 | 2,367 | — |
| 16557 Perdido Key Dr #4Be3 | $2,675,000 | 2,427 | — |
| 1660 E Texar Dr | $2,499,999 | 6,116 | North Lakeview |
| 8 Wharf Ave | $2,399,000 | 3,097 | — |
| 5692 Grande Lagoon Blvd | $2,140,000 | 3,519 | Grande Lagoon |
Waterfront Homes by price
| Band | For sale | Share |
|---|---|---|
| Under $300K | 15 | 17% |
| $300K–$500K | 21 | 23% |
| $500K–$750K | 14 | 16% |
| $750K–$1M | 11 | 12% |
| $1M+ | 29 | 32% |
Pensacola waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Bayshore | 8 | 0 | $133,500 | $69,900 |
| Harbour Pointe | 5 | 0 | $495,000 | $429,000 |
| Country Club Place | 3 | 0 | $1,117,000 | $824,900 |
| Galia | 3 | 0 | $585,000 | $449,500 |
| Gulf Beach Heights | 3 | 0 | $569,000 | $549,999 |
| Blue Angel Lake | 3 | 0 | $540,000 | $535,000 |
| Perdido Sky | 3 | 0 | $405,000 | $398,000 |
| Riviera | 3 | 0 | $285,000 | $229,900 |
| Wildwood Lakes | 3 | 0 | $219,900 | $160,000 |
| New City Tract | 2 | 1 | $3,499,500 | $3,100,000 |
| Perdido Heights | 2 | 0 | $1,124,999 | $1,100,000 |
| Mallory Square North | 2 | 0 | $1,062,000 | $975,000 |
| Laguna Pointe | 2 | 0 | $844,950 | $389,900 |
| Ramsey Beach | 2 | 0 | $779,950 | $699,900 |
| Pescador Landing | 2 | 0 | $464,450 | $459,000 |
| Lost Key Golf & Beach Club | 2 | 0 | $464,000 | $429,000 |
| Halcyon Shores | 2 | 0 | $454,500 | $399,000 |
| Lake Charlene | 2 | 0 | $332,500 | $300,000 |
| Sundown | 2 | 0 | $321,250 | $300,000 |
| Navy Point | 2 | 0 | $304,450 | $249,900 |
| Cordova Park | 1 | 0 | $3,800,000 | $3,800,000 |
| North Lakeview | 1 | 0 | $2,499,999 | $2,499,999 |
| Lakeview | 1 | 0 | $2,450,000 | $2,450,000 |
| Muscogee Wharf | 1 | 0 | $2,399,000 | $2,399,000 |
| Grande Lagoon | 1 | 0 | $2,140,000 | $2,140,000 |
| Innerarity Grants | 1 | 0 | $1,750,000 | $1,750,000 |
| Innerarity Shores | 1 | 0 | $1,499,000 | $1,499,000 |
| The Marseilles | 1 | 0 | $1,490,000 | $1,490,000 |
| Innerarity Isles | 1 | 0 | $1,250,000 | $1,250,000 |
| New Warrington | 1 | 0 | $1,200,000 | $1,200,000 |
| Key West | 1 | 0 | $1,200,000 | $1,200,000 |
| Lands End | 1 | 0 | $1,100,000 | $1,100,000 |
| Emerald Isle | 1 | 0 | $1,069,000 | $1,069,000 |
| Grandview Sunset | 1 | 0 | $999,000 | $999,000 |
| Edgewater | 1 | 0 | $989,000 | $989,000 |
| Spanish Key | 1 | 0 | $905,000 | $905,000 |
| Port Royal | 1 | 0 | $899,000 | $899,000 |
| Innerarity Island | 1 | 0 | $850,000 | $850,000 |
| Beach Colony | 1 | 0 | $769,500 | $769,500 |
| Westerly Heights | 1 | 0 | $725,000 | $725,000 |
| Barrios Grant | 1 | 0 | $710,500 | $710,500 |
| Shipwatch Surf & Yacht Club | 1 | 0 | $635,000 | $635,000 |
| Gulf Side Villa | 1 | 0 | $610,000 | $610,000 |
| Legacy Oaks | 1 | 0 | $599,900 | $599,900 |
| Scenic Terrace | 1 | 0 | $585,000 | $585,000 |
| Sherman Acres | 1 | 0 | $575,000 | $575,000 |
| Woodrun | 1 | 0 | $519,900 | $519,900 |
| Landfall | 1 | 0 | $500,000 | $500,000 |
| Estates At Marcus Lake | 1 | 1 | $458,999 | $458,999 |
| Grande Lagoon Lakes | 1 | 0 | $420,000 | $420,000 |
| Docks On Old River | 1 | 0 | $399,000 | $399,000 |
| Bayou Grande Villa | 1 | 0 | $275,000 | $275,000 |
| Hidden Springs | 1 | 0 | $235,000 | $235,000 |
| Pensacola Richelieu | 1 | 0 | $155,000 | $155,000 |
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in Pensacola?
What do waterfront homes cost in Pensacola?
Which Pensacola community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
Keep exploring Pensacola
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- Pensacola gated community homes
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- Pensacola homes under $300K
- Pensacola homes $300K–$500K
- Waterfront Homes in every city
Live data: Pensacola AOR, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Pensacola, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.