114 E Maxwell St · Pensacola, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 105°F)
- 7 days/yr
- Hot days in 30 yrs
- 22 days/yr
Wind risk 9/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 1 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the C+ grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- Cash flow +23.1/30.0
- ARV discount +15.0/15.0
- DSCR +7.4/10.0
- 1% rule +5.5/10.0
- Livability +4.2/5.0
- Schools +3.6/10.0
- Rent growth +3.3/5.0
- Condition / age +2.5/5.0
- Appreciation +0.0/10.0
$145,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Reduced Price! Welcome to this beautifully renovated 2 bedroom, 1 bath cottage located just minutes from downtown Pensacola! This stylish home blends comfort and convenience, offering quick access to local restaurants, shops, and just 2 minutes from I-110. Inside, you'll find LVP flooring throughout, tile in the bathroom and laundry, and a modern kitchen featuring quartz countertops and brand new appliances. The home also includes a washer and dryer, adding to its move-in-ready appeal. Step outside to enjoy a spacious, fully fenced backyard, perfect for entertaining, gardening, or giving your pets room to roam freely. Whether you're a first-time homebuyer, downsizing, or looking for a smart investment, this property is an excellent opportunity at an affordable price. Don’t miss your chance - schedule a showing today! Buyer and/or buyer's agent to verify all information.
Key facts
- Quartz countertops
- Renovated home
- Updated kitchen
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/1.0-bath single-family listed at $145k.
Deal economics
- At list price, monthly cash flow is $259 ($3k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $145k).
- Cap rate 8.4% vs local median 3.6% in Pensacola — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 83/100 on livability (#53 in FL, #924 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+.
- Escambia (suburban): math 40% / reading 45% proficiency, ranked #56 of 73 in FL (top 77%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Market conditions: Rents rising (+3.4%/yr); 240 active listings in the ZIP; 22 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 1,479 units permitted in Escambia County in 2024 (0 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
- Escambia County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
Negotiation context
- Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
- 5 sale attempts since 26y ago; this cycle's ask has dropped $54k (27%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $47k; list at $145k implies a 209% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: built in 1941 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- Built in 1941 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.
Investment metrics
- 1% rule
- 1.05% ✓
- Cap rate
- 8.44%
- Cash-on-cash
- 7.66%
- DSCR
- 1.34
- GRM
- 7.9
CMA / ARV
- ARV (median comp)
- $210,716
- List price
- $145,000
- Delta
- -30.76%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 1316 1/2 E Baars St | 0.53mi | 3/1.0 (+1) | 989 (0%) | 1mo | $300,000 | $303 | 69 |
| 2504 N Davis Hwy | 0.37mi | 3/1.5 (+1) | 977 (-1%) | 6mo | $173,500 | $178 | 69 |
| 205 E Hatton St | 0.25mi | 3/2.0 (+1) | 1,064 (+8%) | 2mo | $200,000 | $188 | 65 |
| 506 E Jordan St | 0.31mi | 2/1.0 | 902 (-9%) | 15mo | $90,000 | $100 | 58 |
| 2001 N B St | 0.50mi | 3/1.0 (+1) | 960 (-3%) | 12mo | $95,000 | $99 | 57 |
| 2412 N 7th Ave | 0.44mi | 3/2.0 (+1) | 1,084 (+10%) | 4mo | $210,000 | $194 | 52 |
| 215 E Hernandez St | 0.18mi | 3/2.0 (+1) | 1,120 (+13%) | 13mo | $220,000 | $196 | 49 |
| 312 E Brainerd St | 0.68mi | 2/1.0 | 880 (-11%) | 3mo | $158,500 | $180 | 48 |
| 2345 N 8th Ave | 0.44mi | 3/2.0 (+1) | 1,120 (+13%) | 2mo | $234,000 | $209 | 46 |
| 3001 Torres Ave | 0.70mi | 3/1.0 (+1) | 912 (-8%) | 6mo | $130,000 | $143 | 44 |
| 3219 N Tarragona St | 0.72mi | 2/2.0 | 937 (-5%) | 12mo | $184,990 | $197 | 44 |
| 604 W Avery St | 0.59mi | 2/1.0 | 844 (-15%) | 10mo | $109,500 | $130 | 40 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 3.39% rent growth · sell at horizon
- IRR
- -4.2%
- Equity multiple
- 0.84×
- Total profit
- $-6,403
- Equity at exit
- $21,620
- IRR
- 5.9%
- Equity multiple
- 1.45×
- Total profit
- $18,103
- Equity at exit
- $12,537
Cash invested: $40,600 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 87 Strongly Landlord-Friendly
- State Florida
- 87 Strongly Landlord-Friendly · R+3
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 32503
- Rents YoY
- 3.4%
- Active inventory
- 240
- Price-to-rent
- 7.9×
Monthly cashflow live
- Estimated rent
- $1,521 high interval (Pro) →
- Mortgage (P&I)
- −$760
- Tax from tax record
- −$121 /mo · $1,455/yr
- Insurance
- −$60
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$319
- Net cashflow
- $259
Break-even live
Sensitivity live
| Price | -10% $341 | -5% $300 | +0% $259 | +5% $218 | +10% $177 |
|---|---|---|---|---|---|
| Rent | -10% $139 | -5% $199 | +0% $259 | +5% $319 | +10% $379 |
| Rate | -1.0pp $332 | -0.5pp $296 | base $259 | +0.5pp $222 | +1.0pp $183 |
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $36,250
- Closing costs
- $4,350
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 22 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 2310 N Baylen St Pensacola, FL | 2.0 | 1.0 | 660 | $1,350 | $2.05 | 24d | 1 | 0.24mi |
| 2008 N 8th Ave Pensacola, FL | 3.0 | 2.0 | 1058 | $1,250 | $1.18 | 14d | 1 | 0.46mi |
| 721 W Jordan St Pensacola, FL | 3.0 | 2.0 | 1030 | $1,895 | $1.84 | 24d | 1 | 0.58mi |
| 2115 N 12th Ave Pensacola, FL | 2.0 | 1.5 | 950 | $1,800 | $1.89 | 14d | 1 | 0.73mi |
| 1106 Doctor Martin Luther King Junior Dr Unit A Pensacola, FL | 2.0 | 1.0 | 762 | $1,295 | $1.70 | 14d | 1 | 0.74mi |
| 1116 N 7th Ave Pensacola, FL | 1.0 | 1.0 | 680 | $1,520 | $2.24 | 24d | 1 | 0.79mi |
| 1011 Doctor M.L.K. Jr Dr Unit B Pensacola, FL | 2.0 | 1.0 | 877 | $1,200 | $1.37 | 24d | 1 | 0.79mi |
| 3131 N 10th Ave Pensacola, FL | 3.0 | 1.5 | 1085 | $1,700 | $1.57 | 24d | 1 | 0.82mi |
| 1177 E Lloyd St Pensacola, FL | 1.0 | 1.0 | 553 | $999 | $1.81 | 14d | 1 | 0.96mi |
| 307 E La Rua St Pensacola, FL | 2.0 | 1.0 | 826 | $1,575 | $1.91 | 21d | 1 | 1.15mi |
| 422 N Davis Hwy Pensacola, FL | 2.0 | 1.5 | 941 | $2,100 | $2.23 | 24d | 1 | 1.17mi |
| 811 N D St Pensacola, FL | 2.0 | 2.0 | 1035 | $1,395 | $1.35 | 24d | 1 | 1.19mi |
| 615 N A St Pensacola, FL | 3.0 | 2.0 | 1122 | $1,900 | $1.69 | 14d | 1 | 1.23mi |
| 1103 N 15th Ave Unit 104 Pensacola, FL | 1.0 | 1.0 | 600 | $1,150 | $1.92 | 21d | 1 | 1.23mi |
| 222 W Belmont St Pensacola, FL | 1.0 | 1.0 | 600 | $1,100 | $1.83 | 24d | 1 | 1.23mi |
| 1705 N 17th Ave Pensacola, FL | 1.0 | 1.0 | 600 | $1,095 | $1.82 | 24d | 1 | 1.24mi |
| 802 E Belmont St Pensacola, FL | 1.0 | 1.0 | 560 | $1,400 | $2.50 | 24d | 1 | 1.25mi |
| 418 N C St Pensacola, FL | 3.0 | 2.0 | 1017 | $2,775 | $2.73 | 14d | 1 | 1.38mi |
| 220 W Chase St Pensacola, FL | 2.0 | 1.0 | 648 | $1,241 | $1.92 | 24d | 1 | 1.45mi |
| 510 N G St Pensacola, FL | 2.0 | 1.0 | 704 | $850 | $1.21 | 24d | 1 | 1.45mi |
| 224 E Garden St #441 Pensacola, FL | 1.0 | 2.0 | 625 | $1,500 | $2.40 | 14d | 1 | 1.49mi |
| 224 E Garden St Pensacola, FL | 1.0 | 1.0–2.0 | 477 | $1,438 | $3.01 | 24d | 2 | 1.49mi |
Listing history 26 events
-
2026-06-18days on market $145,000 Active 9 DOM
-
2026-06-17days on market $145,000 Active 8 DOM
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2026-06-16days on market $145,000 Active 7 DOM
-
2026-06-15days on market $145,000 Active 6 DOM
-
2026-06-14days on market $145,000 Active 4 DOM
-
2026-06-10pricedays on market $145,000 Active 1 DOM
-
2026-06-02days on market $145,900 Active 304 DOM
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2026-06-01days on market $145,900 Active 303 DOM
-
2026-05-31days on market $145,900 Active 302 DOM
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2026-04-14price $150,900 888-char remark
Show marketing remark (888 chars)
Reduced Price! Welcome to this beautifully renovated 2 bedroom, 1 bath cottage located just minutes from downtown Pensacola! This stylish home blends comfort and convenience, offering quick access to local restaurants, shops, and just 2 minutes from I-110. Inside, you'll find LVP flooring throughout, tile in the bathroom and laundry, and a modern kitchen featuring quartz countertops and brand new appliances. The home also includes a washer and dryer, adding to its move-in-ready appeal. Step outside to enjoy a spacious, fully fenced backyard, perfect for entertaining, gardening, or giving your pets room to roam freely. Whether you're a first-time homebuyer, downsizing, or looking for a smart investment, this property is an excellent opportunity at an affordable price. Don’t miss your chance - schedule a showing today! Buyer and/or buyer's agent to verify all information.
-
2026-03-02price $159,500 888-char remark
Show marketing remark (888 chars)
Reduced Price! Welcome to this beautifully renovated 2 bedroom, 1 bath cottage located just minutes from downtown Pensacola! This stylish home blends comfort and convenience, offering quick access to local restaurants, shops, and just 2 minutes from I-110. Inside, you'll find LVP flooring throughout, tile in the bathroom and laundry, and a modern kitchen featuring quartz countertops and brand new appliances. The home also includes a washer and dryer, adding to its move-in-ready appeal. Step outside to enjoy a spacious, fully fenced backyard, perfect for entertaining, gardening, or giving your pets room to roam freely. Whether you're a first-time homebuyer, downsizing, or looking for a smart investment, this property is an excellent opportunity at an affordable price. Don’t miss your chance - schedule a showing today! Buyer and/or buyer's agent to verify all information.
-
2026-02-20price $165,000 888-char remark
Show marketing remark (888 chars)
Reduced Price! Welcome to this beautifully renovated 2 bedroom, 1 bath cottage located just minutes from downtown Pensacola! This stylish home blends comfort and convenience, offering quick access to local restaurants, shops, and just 2 minutes from I-110. Inside, you'll find LVP flooring throughout, tile in the bathroom and laundry, and a modern kitchen featuring quartz countertops and brand new appliances. The home also includes a washer and dryer, adding to its move-in-ready appeal. Step outside to enjoy a spacious, fully fenced backyard, perfect for entertaining, gardening, or giving your pets room to roam freely. Whether you're a first-time homebuyer, downsizing, or looking for a smart investment, this property is an excellent opportunity at an affordable price. Don’t miss your chance - schedule a showing today! Buyer and/or buyer's agent to verify all information.
-
2026-02-18status Active 888-char remark
Show marketing remark (888 chars)
Reduced Price! Welcome to this beautifully renovated 2 bedroom, 1 bath cottage located just minutes from downtown Pensacola! This stylish home blends comfort and convenience, offering quick access to local restaurants, shops, and just 2 minutes from I-110. Inside, you'll find LVP flooring throughout, tile in the bathroom and laundry, and a modern kitchen featuring quartz countertops and brand new appliances. The home also includes a washer and dryer, adding to its move-in-ready appeal. Step outside to enjoy a spacious, fully fenced backyard, perfect for entertaining, gardening, or giving your pets room to roam freely. Whether you're a first-time homebuyer, downsizing, or looking for a smart investment, this property is an excellent opportunity at an affordable price. Don’t miss your chance - schedule a showing today! Buyer and/or buyer's agent to verify all information.
-
2026-02-12historical Contingent 888-char remark
Show marketing remark (888 chars)
Reduced Price! Welcome to this beautifully renovated 2 bedroom, 1 bath cottage located just minutes from downtown Pensacola! This stylish home blends comfort and convenience, offering quick access to local restaurants, shops, and just 2 minutes from I-110. Inside, you'll find LVP flooring throughout, tile in the bathroom and laundry, and a modern kitchen featuring quartz countertops and brand new appliances. The home also includes a washer and dryer, adding to its move-in-ready appeal. Step outside to enjoy a spacious, fully fenced backyard, perfect for entertaining, gardening, or giving your pets room to roam freely. Whether you're a first-time homebuyer, downsizing, or looking for a smart investment, this property is an excellent opportunity at an affordable price. Don’t miss your chance - schedule a showing today! Buyer and/or buyer's agent to verify all information.
-
2026-01-15price $170,000 888-char remark
Show marketing remark (888 chars)
Reduced Price! Welcome to this beautifully renovated 2 bedroom, 1 bath cottage located just minutes from downtown Pensacola! This stylish home blends comfort and convenience, offering quick access to local restaurants, shops, and just 2 minutes from I-110. Inside, you'll find LVP flooring throughout, tile in the bathroom and laundry, and a modern kitchen featuring quartz countertops and brand new appliances. The home also includes a washer and dryer, adding to its move-in-ready appeal. Step outside to enjoy a spacious, fully fenced backyard, perfect for entertaining, gardening, or giving your pets room to roam freely. Whether you're a first-time homebuyer, downsizing, or looking for a smart investment, this property is an excellent opportunity at an affordable price. Don’t miss your chance - schedule a showing today! Buyer and/or buyer's agent to verify all information.
-
2025-10-20price $175,000 888-char remark
Show marketing remark (888 chars)
Reduced Price! Welcome to this beautifully renovated 2 bedroom, 1 bath cottage located just minutes from downtown Pensacola! This stylish home blends comfort and convenience, offering quick access to local restaurants, shops, and just 2 minutes from I-110. Inside, you'll find LVP flooring throughout, tile in the bathroom and laundry, and a modern kitchen featuring quartz countertops and brand new appliances. The home also includes a washer and dryer, adding to its move-in-ready appeal. Step outside to enjoy a spacious, fully fenced backyard, perfect for entertaining, gardening, or giving your pets room to roam freely. Whether you're a first-time homebuyer, downsizing, or looking for a smart investment, this property is an excellent opportunity at an affordable price. Don’t miss your chance - schedule a showing today! Buyer and/or buyer's agent to verify all information.
-
2025-09-10price $180,000 888-char remark
Show marketing remark (888 chars)
Reduced Price! Welcome to this beautifully renovated 2 bedroom, 1 bath cottage located just minutes from downtown Pensacola! This stylish home blends comfort and convenience, offering quick access to local restaurants, shops, and just 2 minutes from I-110. Inside, you'll find LVP flooring throughout, tile in the bathroom and laundry, and a modern kitchen featuring quartz countertops and brand new appliances. The home also includes a washer and dryer, adding to its move-in-ready appeal. Step outside to enjoy a spacious, fully fenced backyard, perfect for entertaining, gardening, or giving your pets room to roam freely. Whether you're a first-time homebuyer, downsizing, or looking for a smart investment, this property is an excellent opportunity at an affordable price. Don’t miss your chance - schedule a showing today! Buyer and/or buyer's agent to verify all information.
-
2025-08-18price $195,000 888-char remark
Show marketing remark (888 chars)
Reduced Price! Welcome to this beautifully renovated 2 bedroom, 1 bath cottage located just minutes from downtown Pensacola! This stylish home blends comfort and convenience, offering quick access to local restaurants, shops, and just 2 minutes from I-110. Inside, you'll find LVP flooring throughout, tile in the bathroom and laundry, and a modern kitchen featuring quartz countertops and brand new appliances. The home also includes a washer and dryer, adding to its move-in-ready appeal. Step outside to enjoy a spacious, fully fenced backyard, perfect for entertaining, gardening, or giving your pets room to roam freely. Whether you're a first-time homebuyer, downsizing, or looking for a smart investment, this property is an excellent opportunity at an affordable price. Don’t miss your chance - schedule a showing today! Buyer and/or buyer's agent to verify all information.
-
2025-08-02$199,000 Active 888-char remark
Show marketing remark (888 chars)
Reduced Price! Welcome to this beautifully renovated 2 bedroom, 1 bath cottage located just minutes from downtown Pensacola! This stylish home blends comfort and convenience, offering quick access to local restaurants, shops, and just 2 minutes from I-110. Inside, you'll find LVP flooring throughout, tile in the bathroom and laundry, and a modern kitchen featuring quartz countertops and brand new appliances. The home also includes a washer and dryer, adding to its move-in-ready appeal. Step outside to enjoy a spacious, fully fenced backyard, perfect for entertaining, gardening, or giving your pets room to roam freely. Whether you're a first-time homebuyer, downsizing, or looking for a smart investment, this property is an excellent opportunity at an affordable price. Don’t miss your chance - schedule a showing today! Buyer and/or buyer's agent to verify all information.
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2019-10-25soldstatus $47,000
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2019-10-24soldstatus $52,000 214-char remark
Show marketing remark (214 chars)
$$$ INVESTOR SPECIAL $$$ - An amazing opportunity! 2/1 Brick Single Family Residential at roughly 1000 sq ft - needs mild rehab - brand new AC, newer roof, hardwood, near rental ready! Just needs finishing touches!
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2019-09-10$59,000 214-char remark
Show marketing remark (214 chars)
$$$ INVESTOR SPECIAL $$$ - An amazing opportunity! 2/1 Brick Single Family Residential at roughly 1000 sq ft - needs mild rehab - brand new AC, newer roof, hardwood, near rental ready! Just needs finishing touches!
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2004-02-19historical
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2003-11-08$44,900
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2001-04-20soldstatus $13,500
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2000-03-24$17,900
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast FL · Resets to sale price
- Current annual tax
- $1,455 · $121/mo
- Projected year-2 tax
- $1,455 · $121/mo
- Expected delta
- $0/yr ($0/mo · 0.0%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 10/10 Extreme 7 d/yr ≥105°F today · 22 d/yr by 30 yrs out
- Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $18,247
- − Mortgage interest
- −$8,122
- − Property taxes
- −$1,455
- − Insurance
- −$725
- − Repairs & maintenance
- −$1,460
- − Management
- −$1,460
- − Depreciation
- −$4,218
- Taxable income
- $807
- Est. tax owed @ 24.0%
- −$194
- After-tax cash flow
- $2,917/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Schools (NCES district)
- District
- Escambia
- NCES district ID
- 1200510
- Math proficiency
- 40% ▼ -9.00%
- Reading proficiency
- 45% ▼ -4.00%
- Median HH income
- $44,649
- Composite
- 36.04/100
- National rank
- #4773
- State rank
- #56 of 73 in FL
Livability — Pensacola
- Score
- 83/100
- State rank
- #53
- US rank
- #924
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Pensacola, FL
- County
- Escambia County · 301,722 people
- City population
- 237,636
- Metro
- Pensacola-Ferry Pass-Brent, FL
- Population (ZIP)
- 33,559
- Household income
- $71,411
- Rent vs Own
- Severe rent burden
- 948.0
Population outlook (Escambia County) Hauer SSP2
- Today (2025)
- 334,637 people
- By 2030
- 345,779 · +3.3%
- By 2040
- 364,828 · +9.0%
- By 2050
- 378,514 · +13.1%
- By 2075
- 403,220 · +20.5%
- By 2100
- 386,125 · +15.4%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (68%)
- Race & ethnicity
- White 68% Black 20% Two or more races 6% Hispanic / Latino 5% Asian 2%
- Common ancestry
- Lithuanian 3% Italian 2% Romanian 2%
- Foreign-born
- 5% · Canada, China
- Languages at home
- 93% English-only · Spanish 3% Arabic 1% Tagalog/Filipino 1%
Political lean MEDSL · Escambia
- 2024 margin
- R (+19.5) · D 39.7% · R 59.2% · Other 1.1%
- 2008→2024 swing
- -0.2pp no change · 2008: -19.3pp · 2024: -19.5pp
- All cycles
- 2024: R+19.5 2020: R+15.1 2016: R+20.6 2012: R+20.6 2008: R+19.3
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -300.02%
- Current HPI
- 294.4873
- Rent YoY
- ▲ 3.39%
- Metro
- Pensacola-Ferry Pass-Brent, FL
- State GDP YoY
- ▲ 3.28%
- F500 in state
- 36
Industry mix (Fortune 500 HQ in FL)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Industrial Technology | 2 | $29B |
|
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
+743.0% since first listed17 events — show timeline
- 2026-04-14 Price Changed $150,900 PARMLS
- 2026-03-02 Price Changed $159,500 PARMLS
- 2026-02-20 Price Changed $165,000 PARMLS
- 2026-02-18 Relisted — PARMLS
- 2026-02-12 Contingent — PARMLS
- 2026-01-15 Price Changed $170,000 PARMLS
- 2025-10-20 Price Changed $175,000 PARMLS
- 2025-09-10 Price Changed $180,000 PARMLS
- 2025-08-18 Price Changed $195,000 PARMLS
- 2025-08-02 Listed $199,000 PARMLS
- 2019-10-25 Sold (Public Records) $47,000 Public Records
- 2019-10-24 Sold (MLS) $52,000 PARMLS
- 2019-09-10 Listed $59,000 PARMLS
- 2004-02-19 Listing Removed — PARMLS
- 2003-11-08 Listed $44,900 PARMLS
- 2001-04-20 Sold (MLS) $13,500 PARMLS
- 2000-03-24 Listed $17,900 PARMLS
Property tax history
+4.8%/yrLatest (2025): $1,455 · +11.5% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…