415 E Jordan St · Pensacola, FL 32503

$195,000

3 bd · 1.0 ba · 1,218 sqft · SingleFamily public records · 260 Days on market

Built 1943 6,098 sqft lot $160/sqft · 17% below area Est $236k · 17% under

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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 +17.8/30.0
• ARV discount +15.0/15.0
• DSCR +5.6/10.0
• 1% rule +4.4/10.0
• 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

Listing remarks MLS

Discover the perfect blend of 1943 charm and modern updates. This 3-bed, 1-bath cottage features original hardwood floors, classic built-in bookshelves, and a flexible bonus room (office/playroom). The location defines the lifestyle: just 2.5 miles to downtown, 18 mins to Pensacola Beach, and 1 mile to East Hill's popular breweries & parks. A full privacy fence creates a quiet backyard oasis. Rest easy knowing the major updates are complete: Roof (2020), HVAC (2019), and modern plumbing/wiring. With its blend of history, updates, and prime location, this home is an ideal residence or a smart investment (STR/res/comm potential).

Key facts

• Full privacy fence
• Bonus room
• Updated roof

Tags

• ORIGINAL HARDWOOD FLOORS
• BUILT-IN BOOKSHELVES
• BONUS ROOM
• FULL PRIVACY FENCE
• UPDATED ROOF
• UPDATED HVAC

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $195k.

Deal economics

• At list price, monthly cash flow is $161 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $184k (5.6% below list).
• Recommended offer: $172k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.3% 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).
• This rent runs 31% of the median local income ($71k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k 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

• It's been on market 260 days — a 12% lower offer ($172k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 10y ago; this cycle's ask has dropped $35k (15%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1943 — 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.

Recommended offer $171,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 260 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1943 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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.
6. 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.
7. 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: 0.94% ✗
• Cap rate: 7.29%
• Cash-on-cash: 3.55%
• DSCR: 1.16
• GRM: 8.8

CMA / ARV

• ARV (median comp): $236,000
• List price: $195,000
• Delta: -17.37%
• 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
110 E Jordan St	0.25mi	3/2.0	1,196 (-2%)	2mo	$238,000	$199	80
310 E Moreno St	0.32mi	3/1.0	1,261 (+4%)	2mo	$70,000	$56	78
2345 N 8th Ave	0.26mi	3/2.0	1,120 (-8%)	2mo	$234,000	$209	68
2412 N 7th Ave	0.29mi	3/2.0	1,084 (-11%)	4mo	$210,000	$194	61
2911 N Hayne St	0.60mi	4/2.0 (+1)	1,206 (-1%)	2mo	$168,000	$139	60
1811 N 8th Ave	0.24mi	4/2.0 (+1)	1,354 (+11%)	4mo	$599,999	$443	58
205 E Hatton St	0.38mi	3/2.0	1,064 (-13%)	2mo	$200,000	$188	56
1316 N Davis Hwy	0.47mi	2/1.5 (-1)	1,344 (+10%)	4mo	$235,000	$175	51
609 E Fisher	0.48mi	3/2.0	1,400 (+15%)	1mo	$295,000	$211	48
2911 N Miller St	0.64mi	3/2.0	1,345 (+10%)	2mo	$240,000	$178	47
1015 E Brainerd St	0.73mi	3/2.0	1,353 (+11%)	2mo	$499,000	$369	42
415 E Gonzalez St	0.67mi	3/2.5	1,386 (+14%)	1mo	$405,000	$292	39

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

5-year hold

• IRR: -10.3%
• Equity multiple: 0.62×
• Total profit: $-20,597
• Equity at exit: $29,075

10-year hold

• IRR: -0.4%
• Equity multiple: 0.97×
• Total profit: $-1,721
• Equity at exit: $16,860

Cash invested: $54,600 (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

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 32503

• Rents YoY: 3.4%
• Active inventory: 240
• Price-to-rent: 8.8×

Monthly cashflow live

• Estimated rent: $1,841 high
• Mortgage (P&I): −$1,023
• Tax from tax record: −$189 /mo · $2,266/yr
• Insurance: −$81
• HOA: −$0
• Vacancy / Maint / Mgmt: −$387
• Net cashflow: $161

Break-even live

Break-even rent $1,636

Max offer price $195,000

Occupancy floor 86%

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: $48,750
• Closing costs: $5,850
• Reserves months: —
• Total cash needed: —

Rent comps 22 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2008 N 8th Ave Pensacola, FL	3.0	2.0	1058	$1,250	$1.18	13d	1	0.22mi
2115 N 12th Ave Pensacola, FL	2.0	1.5	950	$1,800	$1.89	13d	1	0.50mi
1106 Doctor Martin Luther King Junior Dr Unit A Pensacola, FL	2.0	1.0	762	$1,295	$1.70	13d	1	0.67mi
407 W Jordan St Unit NA Pensacola, FL	3.0	2.0	1300	$2,200	$1.69	23d	1	0.69mi
3131 N 10th Ave Pensacola, FL	3.0	1.5	1085	$1,700	$1.57	23d	1	0.73mi
1011 Doctor M.L.K. Jr Dr Unit B Pensacola, FL	2.0	1.0	877	$1,200	$1.37	23d	1	0.73mi
801 E Gonzalez St Pensacola, FL	3.0	2.0	1200	$2,200	$1.83	13d	1	0.73mi
1414 E Mallory St Pensacola, FL	3.0	2.0	1323	$3,400	$2.57	23d	1	0.81mi
721 W Jordan St Pensacola, FL	3.0	2.0	1030	$1,895	$1.84	23d	1	0.81mi
1215 N C St Pensacola, FL	3.0	1.0	1203	$1,775	$1.48	13d	1	1.09mi
422 N Davis Hwy Pensacola, FL	2.0	1.5	941	$2,100	$2.23	23d	1	1.09mi
1704 E Lee St Pensacola, FL	3.0	2.0	1226	$2,295	$1.87	23d	1	1.09mi
511 E La Rua St Pensacola, FL	3.0	1.0	1128	$1,475	$1.31	13d	1	1.10mi
307 E La Rua St Pensacola, FL	2.0	1.0	826	$1,575	$1.91	21d	1	1.10mi
504 N Spring St Unit B Pensacola, FL	3.0	1.5	1485	$1,995	$1.34	23d	1	1.20mi
1010 N D St Pensacola, FL	2.0	2.0	1196	$1,850	$1.55	23d	1	1.22mi
615 N A St Pensacola, FL	3.0	2.0	1122	$1,900	$1.69	13d	1	1.34mi
811 N D St Pensacola, FL	2.0	2.0	1035	$1,395	$1.35	23d	1	1.34mi
814 N E St Pensacola, FL	3.0	2.0	1440	$1,695	$1.18	23d	1	1.36mi
218 Junction Ave Pensacola, FL	2.0	2.5	1295	$2,400	$1.85	23d	1	1.46mi
1720 E La Rua St Unit A Pensacola, FL	2.0	1.0	800	$1,550	$1.94	23d	1	1.47mi
220 W Chase St Pensacola, FL	2.0	1.0	648	$1,241	$1.92	23d	1	1.48mi

Listing history 40 events

1. 2026-06-18
   days on market $195,000 Active 260 DOM
2. 2026-06-17
   days on market $195,000 Active 259 DOM
3. 2026-06-16
   days on market $195,000 Active 258 DOM
4. 2026-06-15
   days on market $195,000 Active 257 DOM
5. 2026-06-14
   days on market $195,000 Active 255 DOM
6. 2026-06-10
   days on market $195,000 Active 252 DOM
7. 2026-06-09
   days on market $195,000 Active 251 DOM
8. 2026-06-08
   days on market $195,000 Active 250 DOM
9. 2026-06-07
   days on market $195,000 Active 249 DOM
10. 2026-06-03
    days on market $195,000 Active 245 DOM
11. 2026-06-02
    days on market $195,000 Active 244 DOM
12. 2026-06-01
    days on market $195,000 Active 243 DOM
13. 2026-05-31
    days on market $195,000 Active 242 DOM
14. 2026-05-31
    pricedays on market $195,000 Active 241 DOM
15. 2026-04-25
    price $200,000 639-char remark

    Show marketing remark (639 chars)

    Discover the perfect blend of 1943 charm and modern updates. This 3-bed, 1-bath cottage features original hardwood floors, classic built-in bookshelves, and a flexible bonus room (office/playroom). The location defines the lifestyle: just 2.5 miles to downtown, 18 mins to Pensacola Beach, and 1 mile to East Hill's popular breweries & parks. A full privacy fence creates a quiet backyard oasis. Rest easy knowing the major updates are complete: Roof (2020), HVAC (2019), and modern plumbing/wiring. With its blend of history, updates, and prime location, this home is an ideal residence or a smart investment (STR/res/comm potential).

16. 2026-04-21
    price $200,000 1503-char remark

    Show marketing remark (1503 chars)

    Turnkey 3BR/1BA Pensacola cottage (1943). 1,218 sf w/ original hardwood floors, built-in shelves & bonus room. Privacy fence & no HOA. Near downtown. Step inside this 1943 cottage and you’ll immediately notice the warmth of original hardwood floors and the charm of built-in bookshelves framing the front entry. The layout feels practical yet flexible—three bedrooms, one full bath, plus a bonus room that could serve as a home office, playroom, or creative space. The location is part of the lifestyle here. Just two and a half miles from downtown Pensacola, you’re close enough to enjoy concerts, festivals, and dining without the parking hassle. Drive 18 minutes the other direction and you’re on the sugar-white sand of Pensacola Beach. And if you’d rather stay close to home, East Hill’s parks, breweries, and neighborhood restaurants are only a mile away. Out back, a full privacy fence creates a quiet space for pets, gardening, or evenings with friends under string lights. The home has already been updated where it counts—roof (2020), HVAC (2019), water heater (2013), and modern plumbing and wiring—while still keeping its character. Whether you’re looking for a place to settle into yourself or considering an investment with short-term rental, this home makes sense. Its mix of history, thoughtful updates, and unbeatable proximity to both the beach and downtown allow you to live the Pensacola lifestyle without compromise.

17. 2026-03-12
    price $210,000 639-char remark

    Show marketing remark (639 chars)

    Discover the perfect blend of 1943 charm and modern updates. This 3-bed, 1-bath cottage features original hardwood floors, classic built-in bookshelves, and a flexible bonus room (office/playroom). The location defines the lifestyle: just 2.5 miles to downtown, 18 mins to Pensacola Beach, and 1 mile to East Hill's popular breweries & parks. A full privacy fence creates a quiet backyard oasis. Rest easy knowing the major updates are complete: Roof (2020), HVAC (2019), and modern plumbing/wiring. With its blend of history, updates, and prime location, this home is an ideal residence or a smart investment (STR/res/comm potential).

18. 2026-03-10
    price $210,000 1503-char remark

    Show marketing remark (1503 chars)

    Turnkey 3BR/1BA Pensacola cottage (1943). 1,218 sf w/ original hardwood floors, built-in shelves & bonus room. Privacy fence & no HOA. Near downtown. Step inside this 1943 cottage and you’ll immediately notice the warmth of original hardwood floors and the charm of built-in bookshelves framing the front entry. The layout feels practical yet flexible—three bedrooms, one full bath, plus a bonus room that could serve as a home office, playroom, or creative space. The location is part of the lifestyle here. Just two and a half miles from downtown Pensacola, you’re close enough to enjoy concerts, festivals, and dining without the parking hassle. Drive 18 minutes the other direction and you’re on the sugar-white sand of Pensacola Beach. And if you’d rather stay close to home, East Hill’s parks, breweries, and neighborhood restaurants are only a mile away. Out back, a full privacy fence creates a quiet space for pets, gardening, or evenings with friends under string lights. The home has already been updated where it counts—roof (2020), HVAC (2019), water heater (2013), and modern plumbing and wiring—while still keeping its character. Whether you’re looking for a place to settle into yourself or considering an investment with short-term rental, this home makes sense. Its mix of history, thoughtful updates, and unbeatable proximity to both the beach and downtown allow you to live the Pensacola lifestyle without compromise.

19. 2026-01-30
    price $220,000 639-char remark

    Show marketing remark (639 chars)

    Discover the perfect blend of 1943 charm and modern updates. This 3-bed, 1-bath cottage features original hardwood floors, classic built-in bookshelves, and a flexible bonus room (office/playroom). The location defines the lifestyle: just 2.5 miles to downtown, 18 mins to Pensacola Beach, and 1 mile to East Hill's popular breweries & parks. A full privacy fence creates a quiet backyard oasis. Rest easy knowing the major updates are complete: Roof (2020), HVAC (2019), and modern plumbing/wiring. With its blend of history, updates, and prime location, this home is an ideal residence or a smart investment (STR/res/comm potential).

20. 2026-01-29
    price $220,000 1503-char remark

    Show marketing remark (1503 chars)

    Turnkey 3BR/1BA Pensacola cottage (1943). 1,218 sf w/ original hardwood floors, built-in shelves & bonus room. Privacy fence & no HOA. Near downtown. Step inside this 1943 cottage and you’ll immediately notice the warmth of original hardwood floors and the charm of built-in bookshelves framing the front entry. The layout feels practical yet flexible—three bedrooms, one full bath, plus a bonus room that could serve as a home office, playroom, or creative space. The location is part of the lifestyle here. Just two and a half miles from downtown Pensacola, you’re close enough to enjoy concerts, festivals, and dining without the parking hassle. Drive 18 minutes the other direction and you’re on the sugar-white sand of Pensacola Beach. And if you’d rather stay close to home, East Hill’s parks, breweries, and neighborhood restaurants are only a mile away. Out back, a full privacy fence creates a quiet space for pets, gardening, or evenings with friends under string lights. The home has already been updated where it counts—roof (2020), HVAC (2019), water heater (2013), and modern plumbing and wiring—while still keeping its character. Whether you’re looking for a place to settle into yourself or considering an investment with short-term rental, this home makes sense. Its mix of history, thoughtful updates, and unbeatable proximity to both the beach and downtown allow you to live the Pensacola lifestyle without compromise.

21. 2026-01-05
    price $225,000 639-char remark

    Show marketing remark (1503 chars)

    Turnkey 3BR/1BA Pensacola cottage (1943). 1,218 sf w/ original hardwood floors, built-in shelves & bonus room. Privacy fence & no HOA. Near downtown. Step inside this 1943 cottage and you’ll immediately notice the warmth of original hardwood floors and the charm of built-in bookshelves framing the front entry. The layout feels practical yet flexible—three bedrooms, one full bath, plus a bonus room that could serve as a home office, playroom, or creative space. The location is part of the lifestyle here. Just two and a half miles from downtown Pensacola, you’re close enough to enjoy concerts, festivals, and dining without the parking hassle. Drive 18 minutes the other direction and you’re on the sugar-white sand of Pensacola Beach. And if you’d rather stay close to home, East Hill’s parks, breweries, and neighborhood restaurants are only a mile away. Out back, a full privacy fence creates a quiet space for pets, gardening, or evenings with friends under string lights. The home has already been updated where it counts—roof (2020), HVAC (2019), water heater (2013), and modern plumbing and wiring—while still keeping its character. Whether you’re looking for a place to settle into yourself or considering an investment with short-term rental, this home makes sense. Its mix of history, thoughtful updates, and unbeatable proximity to both the beach and downtown allow you to live the Pensacola lifestyle without compromise.

22. 2026-01-05
    price $225,000 1503-char remark

    Show marketing remark (1503 chars)

    Turnkey 3BR/1BA Pensacola cottage (1943). 1,218 sf w/ original hardwood floors, built-in shelves & bonus room. Privacy fence & no HOA. Near downtown. Step inside this 1943 cottage and you’ll immediately notice the warmth of original hardwood floors and the charm of built-in bookshelves framing the front entry. The layout feels practical yet flexible—three bedrooms, one full bath, plus a bonus room that could serve as a home office, playroom, or creative space. The location is part of the lifestyle here. Just two and a half miles from downtown Pensacola, you’re close enough to enjoy concerts, festivals, and dining without the parking hassle. Drive 18 minutes the other direction and you’re on the sugar-white sand of Pensacola Beach. And if you’d rather stay close to home, East Hill’s parks, breweries, and neighborhood restaurants are only a mile away. Out back, a full privacy fence creates a quiet space for pets, gardening, or evenings with friends under string lights. The home has already been updated where it counts—roof (2020), HVAC (2019), water heater (2013), and modern plumbing and wiring—while still keeping its character. Whether you’re looking for a place to settle into yourself or considering an investment with short-term rental, this home makes sense. Its mix of history, thoughtful updates, and unbeatable proximity to both the beach and downtown allow you to live the Pensacola lifestyle without compromise.

23. 2025-10-23
    listed $230,000 Active 639-char remark

    Show marketing remark (639 chars)

    Discover the perfect blend of 1943 charm and modern updates. This 3-bed, 1-bath cottage features original hardwood floors, classic built-in bookshelves, and a flexible bonus room (office/playroom). The location defines the lifestyle: just 2.5 miles to downtown, 18 mins to Pensacola Beach, and 1 mile to East Hill's popular breweries & parks. A full privacy fence creates a quiet backyard oasis. Rest easy knowing the major updates are complete: Roof (2020), HVAC (2019), and modern plumbing/wiring. With its blend of history, updates, and prime location, this home is an ideal residence or a smart investment (STR/res/comm potential).

24. 2025-10-17
    price $230,000 1503-char remark

    Show marketing remark (1503 chars)

    Turnkey 3BR/1BA Pensacola cottage (1943). 1,218 sf w/ original hardwood floors, built-in shelves & bonus room. Privacy fence & no HOA. Near downtown. Step inside this 1943 cottage and you’ll immediately notice the warmth of original hardwood floors and the charm of built-in bookshelves framing the front entry. The layout feels practical yet flexible—three bedrooms, one full bath, plus a bonus room that could serve as a home office, playroom, or creative space. The location is part of the lifestyle here. Just two and a half miles from downtown Pensacola, you’re close enough to enjoy concerts, festivals, and dining without the parking hassle. Drive 18 minutes the other direction and you’re on the sugar-white sand of Pensacola Beach. And if you’d rather stay close to home, East Hill’s parks, breweries, and neighborhood restaurants are only a mile away. Out back, a full privacy fence creates a quiet space for pets, gardening, or evenings with friends under string lights. The home has already been updated where it counts—roof (2020), HVAC (2019), water heater (2013), and modern plumbing and wiring—while still keeping its character. Whether you’re looking for a place to settle into yourself or considering an investment with short-term rental, this home makes sense. Its mix of history, thoughtful updates, and unbeatable proximity to both the beach and downtown allow you to live the Pensacola lifestyle without compromise.

25. 2025-10-01
    listed $240,000 Active 1503-char remark

    Show marketing remark (1503 chars)

    Turnkey 3BR/1BA Pensacola cottage (1943). 1,218 sf w/ original hardwood floors, built-in shelves & bonus room. Privacy fence & no HOA. Near downtown. Step inside this 1943 cottage and you’ll immediately notice the warmth of original hardwood floors and the charm of built-in bookshelves framing the front entry. The layout feels practical yet flexible—three bedrooms, one full bath, plus a bonus room that could serve as a home office, playroom, or creative space. The location is part of the lifestyle here. Just two and a half miles from downtown Pensacola, you’re close enough to enjoy concerts, festivals, and dining without the parking hassle. Drive 18 minutes the other direction and you’re on the sugar-white sand of Pensacola Beach. And if you’d rather stay close to home, East Hill’s parks, breweries, and neighborhood restaurants are only a mile away. Out back, a full privacy fence creates a quiet space for pets, gardening, or evenings with friends under string lights. The home has already been updated where it counts—roof (2020), HVAC (2019), water heater (2013), and modern plumbing and wiring—while still keeping its character. Whether you’re looking for a place to settle into yourself or considering an investment with short-term rental, this home makes sense. Its mix of history, thoughtful updates, and unbeatable proximity to both the beach and downtown allow you to live the Pensacola lifestyle without compromise.

26. 2021-10-08
    soldstatus $195,000 Sold
27. 2021-09-09
    historical Contingent
28. 2021-09-08
    status Active
29. 2021-09-08
    price $175,000
30. 2021-07-30
    historical
31. 2021-07-13
    historical Contingent
32. 2021-07-09
    status Active
33. 2021-06-26
    historical Contingent
34. 2021-06-24
    listed $159,900 Active
35. 2019-11-20
    soldstatus $62,400
36. 2019-11-20
    soldstatus $62,400
37. 2019-07-09
    listed $69,900
38. 2017-04-07
    historical
39. 2016-10-06
    listed $35,000
40. 1975-01-01
    soldstatus $18,000

ⓘ 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: $2,266 · $189/mo
• Projected year-2 tax: $2,266 · $189/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

Taxation est. · year 1

• Rental income: $22,088
• − Mortgage interest: −$10,923
• − Property taxes: −$2,266
• − Insurance: −$975
• − Repairs & maintenance: −$1,767
• − Management: −$1,767
• − Depreciation: −$5,673
• Taxable loss: −$1,283
• Est. tax savings @ 24.0%: +$308
• After-tax cash flow: $2,245/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

Amenities A Commute A+ Cost of living A+ Crime B Employment C Housing A+ Health & safety A+ User ratings F

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: 30.8% rent · 69.2% 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
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+1011.1% since first listed

26 events — show timeline

• 2026-04-25 Price Changed $200,000 NAMLS
• 2026-04-21 Price Changed $200,000 PARMLS
• 2026-03-12 Price Changed $210,000 NAMLS
• 2026-03-10 Price Changed $210,000 PARMLS
• 2026-01-30 Price Changed $220,000 NAMLS
• 2026-01-29 Price Changed $220,000 PARMLS
• 2026-01-05 Price Changed $225,000 NAMLS
• 2026-01-05 Price Changed $225,000 PARMLS
• 2025-10-23 Listed $230,000 NAMLS
• 2025-10-17 Price Changed $230,000 PARMLS
• 2025-10-01 Listed $240,000 PARMLS
• 2021-10-08 Sold (MLS) $195,000 PARMLS
• 2021-09-09 Contingent — PARMLS
• 2021-09-08 Relisted — PARMLS
• 2021-09-08 Price Changed $175,000 PARMLS
• 2021-07-30 Listing Removed — PARMLS
• 2021-07-13 Contingent — PARMLS
• 2021-07-09 Relisted — PARMLS
• 2021-06-26 Contingent — PARMLS
• 2021-06-24 Listed $159,900 PARMLS
• 2019-11-20 Sold (Public Records) $62,400 Public Records
• 2019-11-20 Sold (MLS) $62,400 PARMLS
• 2019-07-09 Listed $69,900 PARMLS
• 2017-04-07 Listing Removed — PARMLS
• 2016-10-06 Listed $35,000 PARMLS
• 1975-01-01 Sold (Public Records) $18,000 Public Records

Property tax history

+11.8%/yr

Latest (2025): $2,266 · +6.6% YoY. Source: county tax records.