6995 Moore Ave · Bellview, FL 32526

$189,000

3 bd · 2.0 ba · 1,325 sqft · SingleFamily public records · 135 Days on market

Built 1974 6,969 sqft lot $143/sqft · 6% below area Est $201k · 6% 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 +19.1/30.0
• ARV discount +10.2/15.0
• DSCR +6.0/10.0
• 1% rule +3.8/10.0
• Rent growth +3.6/5.0
• Schools +3.6/10.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Discover the perfect blend of comfort, functionality, and privacy in this all-brick 3-bedroom, 2-bath home. Ideally situated backing up to a serene 65-acre parcel, you’ll enjoy added seclusion and peaceful views right from your backyard. Inside, the open-concept family room, dining area, and kitchen flow seamlessly together, filled with abundant natural light from large windows and glass doors. The converted attached garage provides heated and cooled additional living space—perfect for a home office, playroom, or media area—and includes an extra-large utility room with indoor laundry. Each secondary bedroom features plush carpeting and generous storage space. The spacious primary suite easily accommodates a king-sized bedroom set and includes a refreshed ensuite bath with a tub/shower combination, updated vanity, and modern flooring and fixtures. Step outside to enjoy an expansive covered patio—ideal for evening relaxation or summertime barbecues. The fenced backyard is perfectly sized for low-maintenance living, while the detached storage shed offers plenty of room for yard tools and seasonal décor. Don’t miss the opportunity to make this inviting home yours—schedule your tour today!

Key facts

• All brick
• 6,969 sq ft lot
• Garage

Tags

• ALL BRICK
• SERENE 65 ACRE PARCEL
• OPEN CONCEPT FAMILY ROOM
• CONVERTED ATTACHED GARAGE
• EXTRA LARGE UTILITY ROOM
• SPACIOUS PRIMARY SUITE

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $189k.

Deal economics

• At list price, monthly cash flow is $202 ($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 $166k (12.1% below list).
• Recommended offer: $166k (12.1% below list) — sets the bar for 1% rule.
• Cap rate 7.6% vs local median 5.2% in Bellview — 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 67/100 on livability (#561 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools D+, amenities F, commute F.
• 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 fast (+4.4%/yr); 417 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 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 $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 135 days — a 12% lower offer ($166k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 18y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $76k; list at $189k implies a 149% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $166,065 (12.1% below list)

Questions for the listing agent

1. It's been on market 135 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 1974 — 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. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. 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.
7. 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.
8. 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: 0.88% ✗
• Cap rate: 7.58%
• Cash-on-cash: 4.58%
• DSCR: 1.20
• GRM: 9.5

CMA / ARV

• ARV (median comp): $200,972
• List price: $189,000
• Delta: -5.96%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7065 Ben Sasser Dr	0.04mi	4/2.0 (+1)	1,378 (+4%)	4mo	$236,900	$172	83
7125 Ben Sasser Dr	0.12mi	4/2.0 (+1)	1,378 (+4%)	4mo	$235,000	$171	80
6931 Falcon Dr	0.57mi	3/2.0	1,347 (+2%)	2mo	$265,000	$197	69
7206 Esther St	0.62mi	4/2.0 (+1)	1,346 (+2%)	2mo	$221,000	$164	61
7260 Baronne Pl	0.41mi	3/2.0	1,468 (+11%)	4mo	$135,000	$92	59
3135 Bent Oak Dr	0.55mi	3/2.0	1,206 (-9%)	3mo	$215,000	$178	57
7170 Peninsula Dr	0.39mi	4/2.0 (+1)	1,457 (+10%)	4mo	$252,000	$173	57
6945 Falcon Dr	0.54mi	3/2.0	1,468 (+11%)	1mo	$235,000	$160	56
7016 Esther St	0.60mi	3/2.0	1,448 (+9%)	1mo	$239,900	$166	56
7109 Redondo Dr	0.47mi	4/2.0 (+1)	1,474 (+11%)	2mo	$233,000	$158	53
2794 King St	0.50mi	4/2.0 (+1)	1,521 (+15%)	1mo	$255,000	$168	46
3001 Christine St	0.66mi	3/2.0	1,512 (+14%)	5mo	$199,000	$132	41

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 · 4.42% rent growth · sell at horizon

5-year hold

• IRR: -7.8%
• Equity multiple: 0.71×
• Total profit: $-15,443
• Equity at exit: $28,181

10-year hold

• IRR: 3.2%
• Equity multiple: 1.24×
• Total profit: $12,903
• Equity at exit: $16,341

Cash invested: $52,920 (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 32526

• Home prices YoY: -28.3%
• Rents YoY: 4.4%
• Active inventory: 417
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $1,661 high
• Mortgage (P&I): −$991
• Tax from tax record: −$40 /mo · $479/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$349
• Net cashflow: $202

Break-even live

Break-even rent $1,405

Max offer price $189,000

Occupancy floor 83%

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: $47,250
• Closing costs: $5,670
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7135 Pearson Rd Unit 7 Pensacola, FL	2.0	2.0	902	$1,125	$1.25	23d	1	0.17mi
3230 Palmdale Ave Pensacola, FL	3.0	2.0	1300	$1,500	$1.15	23d	1	0.51mi
3219 Fresno Ave Pensacola, FL	3.0	2.0	1192	$1,375	$1.15	23d	1	0.52mi
7318 Hayward Ave Unit P30 P30 Pensacola, FL	2.0	2.0	1000	$1,200	$1.20	23d	1	0.56mi
4930 Laceiba Dr Pensacola, FL	3.0	1.5	1020	$1,300	$1.27	21d	1	1.05mi
2702 Massachusetts Ave Pensacola, FL	1.0–3.0	1.0–2.5	1150	$1,745	$1.52	14d	9	1.21mi
8240 Tempest Dr Pensacola, FL	2.0	2.0	1300	$1,600	$1.23	21d	1	1.27mi
1860 Broyhill Ln Pensacola, FL	3.0	2.0	1561	$1,600	$1.02	23d	1	1.33mi
3216 Two Sisters Way Pensacola, FL	3.0	2.0	1117	$1,700	$1.52	23d	1	1.50mi

Listing history 26 events

1. 2026-06-18
   days on market $189,000 Active 135 DOM
2. 2026-06-17
   days on market $189,000 Active 134 DOM
3. 2026-06-16
   days on market $189,000 Active 133 DOM
4. 2026-06-15
   days on market $189,000 Active 132 DOM
5. 2026-06-14
   days on market $189,000 Active 130 DOM
6. 2026-06-10
   days on market $189,000 Active 127 DOM
7. 2026-06-09
   days on market $189,000 Active 126 DOM
8. 2026-06-08
   days on market $189,000 Active 125 DOM
9. 2026-06-07
   days on market $189,000 Active 124 DOM
10. 2026-06-03
    days on market $189,000 Active 120 DOM
11. 2026-06-02
    days on market $189,000 Active 119 DOM
12. 2026-06-01
    days on market $189,000 Active 118 DOM
13. 2026-05-31
    days on market $189,000 Active 117 DOM
14. 2026-05-31
    days on market $189,000 Active 116 DOM
15. 2026-05-13
    price $189,000 1246-char remark

    Show marketing remark (1246 chars)

    Discover the perfect blend of comfort, functionality, and privacy in this all-brick 3-bedroom, 2-bath home. Ideally situated backing up to a serene 65-acre parcel, you’ll enjoy added seclusion and peaceful views right from your backyard. Inside, the open-concept family room, dining area, and kitchen flow seamlessly together, filled with abundant natural light from large windows and glass doors. The converted attached garage provides heated and cooled additional living space—perfect for a home office, playroom, or media area—and includes an extra-large utility room with indoor laundry. Each secondary bedroom features plush carpeting and generous storage space. The spacious primary suite easily accommodates a king-sized bedroom set and includes a refreshed ensuite bath with a tub/shower combination, updated vanity, and modern flooring and fixtures. Step outside to enjoy an expansive covered patio—ideal for evening relaxation or summertime barbecues. The fenced backyard is perfectly sized for low-maintenance living, while the detached storage shed offers plenty of room for yard tools and seasonal décor. Don’t miss the opportunity to make this inviting home yours—schedule your tour today!

16. 2026-03-25
    status Active 1246-char remark

    Show marketing remark (1246 chars)

    Discover the perfect blend of comfort, functionality, and privacy in this all-brick 3-bedroom, 2-bath home. Ideally situated backing up to a serene 65-acre parcel, you’ll enjoy added seclusion and peaceful views right from your backyard. Inside, the open-concept family room, dining area, and kitchen flow seamlessly together, filled with abundant natural light from large windows and glass doors. The converted attached garage provides heated and cooled additional living space—perfect for a home office, playroom, or media area—and includes an extra-large utility room with indoor laundry. Each secondary bedroom features plush carpeting and generous storage space. The spacious primary suite easily accommodates a king-sized bedroom set and includes a refreshed ensuite bath with a tub/shower combination, updated vanity, and modern flooring and fixtures. Step outside to enjoy an expansive covered patio—ideal for evening relaxation or summertime barbecues. The fenced backyard is perfectly sized for low-maintenance living, while the detached storage shed offers plenty of room for yard tools and seasonal décor. Don’t miss the opportunity to make this inviting home yours—schedule your tour today!

17. 2025-11-30
    historical 1246-char remark

    Show marketing remark (1246 chars)

    Discover the perfect blend of comfort, functionality, and privacy in this all-brick 3-bedroom, 2-bath home. Ideally situated backing up to a serene 65-acre parcel, you’ll enjoy added seclusion and peaceful views right from your backyard. Inside, the open-concept family room, dining area, and kitchen flow seamlessly together, filled with abundant natural light from large windows and glass doors. The converted attached garage provides heated and cooled additional living space—perfect for a home office, playroom, or media area—and includes an extra-large utility room with indoor laundry. Each secondary bedroom features plush carpeting and generous storage space. The spacious primary suite easily accommodates a king-sized bedroom set and includes a refreshed ensuite bath with a tub/shower combination, updated vanity, and modern flooring and fixtures. Step outside to enjoy an expansive covered patio—ideal for evening relaxation or summertime barbecues. The fenced backyard is perfectly sized for low-maintenance living, while the detached storage shed offers plenty of room for yard tools and seasonal décor. Don’t miss the opportunity to make this inviting home yours—schedule your tour today!

18. 2025-10-10
    listed $196,000 Active 1246-char remark

    Show marketing remark (1246 chars)

    Discover the perfect blend of comfort, functionality, and privacy in this all-brick 3-bedroom, 2-bath home. Ideally situated backing up to a serene 65-acre parcel, you’ll enjoy added seclusion and peaceful views right from your backyard. Inside, the open-concept family room, dining area, and kitchen flow seamlessly together, filled with abundant natural light from large windows and glass doors. The converted attached garage provides heated and cooled additional living space—perfect for a home office, playroom, or media area—and includes an extra-large utility room with indoor laundry. Each secondary bedroom features plush carpeting and generous storage space. The spacious primary suite easily accommodates a king-sized bedroom set and includes a refreshed ensuite bath with a tub/shower combination, updated vanity, and modern flooring and fixtures. Step outside to enjoy an expansive covered patio—ideal for evening relaxation or summertime barbecues. The fenced backyard is perfectly sized for low-maintenance living, while the detached storage shed offers plenty of room for yard tools and seasonal décor. Don’t miss the opportunity to make this inviting home yours—schedule your tour today!

19. 2008-10-10
    soldstatus $76,000
20. 2008-10-09
    soldstatus $76,000 465-char remark

    Show marketing remark (465 chars)

    WHY BUY A HOUSE NEEDING WORK, WHEN YOU CAN GET THIS FANTASTIC HOME THAT HAS ALREADY BEEN RENOVATED FOR LESS MONEY? CHECK IT OUT - NEW ROOF, FRESH PAINT INSIDE & OUT. NEW CARPET & VINYL. ALL WHITE KITCHEN WITH NEW APPLIANCES. ALL NEW COUNTER TOPS, HARDWARE AND LIGHT FIXTURES. NEW WATER HEATER. NEW 140 MILE PER HOUR HURRICANE RATED WHITE WINDOWS. LARGE DEN. INSIDE LAUNDRY AND LARGE 14X24 ENTERTAINING PATIO ON THE REAR. ALL THIS FOR ONLY $79,900.

21. 2008-08-14
    listed $79,900 465-char remark

    Show marketing remark (465 chars)

    WHY BUY A HOUSE NEEDING WORK, WHEN YOU CAN GET THIS FANTASTIC HOME THAT HAS ALREADY BEEN RENOVATED FOR LESS MONEY? CHECK IT OUT - NEW ROOF, FRESH PAINT INSIDE & OUT. NEW CARPET & VINYL. ALL WHITE KITCHEN WITH NEW APPLIANCES. ALL NEW COUNTER TOPS, HARDWARE AND LIGHT FIXTURES. NEW WATER HEATER. NEW 140 MILE PER HOUR HURRICANE RATED WHITE WINDOWS. LARGE DEN. INSIDE LAUNDRY AND LARGE 14X24 ENTERTAINING PATIO ON THE REAR. ALL THIS FOR ONLY $79,900.

22. 2008-08-14
    historical

    Show marketing remark (465 chars)

    WHY BUY A HOUSE NEEDING WORK, WHEN YOU CAN GET THIS FANTASTIC HOME THAT HAS ALREADY BEEN RENOVATED FOR LESS MONEY? CHECK IT OUT - NEW ROOF, FRESH PAINT INSIDE & OUT. NEW CARPET & VINYL. ALL WHITE KITCHEN WITH NEW APPLIANCES. ALL NEW COUNTER TOPS, HARDWARE AND LIGHT FIXTURES. NEW WATER HEATER. NEW 140 MILE PER HOUR HURRICANE RATED WHITE WINDOWS. LARGE DEN. INSIDE LAUNDRY AND LARGE 14X24 ENTERTAINING PATIO ON THE REAR. ALL THIS FOR ONLY $79,900.

23. 2008-05-20
    listed $87,500
24. 1998-07-10
    soldstatus $56,100
25. 1992-04-01
    soldstatus $44,400
26. 1976-01-01
    soldstatus $23,700

ⓘ 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: $479 · $40/mo
• Projected year-2 tax: $1,569 · $131/mo
• Expected delta: +$1,090/yr (+$91/mo · 227.5%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥105°F today · 23 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,928
• − Mortgage interest: −$10,587
• − Property taxes: −$479
• − Insurance: −$945
• − Repairs & maintenance: −$1,594
• − Management: −$1,594
• − Depreciation: −$5,498
• Taxable loss: −$770
• Est. tax savings @ 24.0%: +$185
• After-tax cash flow: $2,610/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 — Bellview

• Score: 67/100
• State rank: #561
• US rank: #10731

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bellview, FL
• County: Escambia County · 301,722 people
• Metro: Pensacola-Ferry Pass-Brent, FL
• Population (ZIP): 44,680
• Household income: $75,098
• Rent vs Own: 23.8% rent · 76.2% own
• Severe rent burden: 1166.0

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 (66%)
• Race & ethnicity: White 66% Black 19% Two or more races 8% Hispanic / Latino 5% Asian 3%
• Common ancestry: Lithuanian 2% Slovak 2% Serbian 2%
• Foreign-born: 5% · Canada, China
• Languages at home: 94% English-only · Spanish 2% Tagalog/Filipino 1% Other Indo-European 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: ▼ -99.68%
• Current HPI: 252.6406
• Rent YoY: ▲ 4.42%
• 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

+697.5% since first listed

12 events — show timeline

• 2026-05-13 Price Changed $189,000 PARMLS
• 2026-03-25 Relisted — PARMLS
• 2025-11-30 Listing Removed — PARMLS
• 2025-10-10 Listed $196,000 PARMLS
• 2008-10-10 Sold (Public Records) $76,000 Public Records
• 2008-10-09 Sold (MLS) $76,000 PARMLS
• 2008-08-14 Listing Removed — PARMLS
• 2008-08-14 Listed $79,900 PARMLS
• 2008-05-20 Listed $87,500 PARMLS
• 1998-07-10 Sold (Public Records) $56,100 Public Records
• 1992-04-01 Sold (Public Records) $44,400 Public Records
• 1976-01-01 Sold (Public Records) $23,700 Public Records

Property tax history

-0.2%/yr

Latest (2025): $479 · +39.4% YoY. Source: county tax records.