312 N 57th Ave · West Pensacola, FL 32506

$249,900

4 bd · 2.0 ba · 2,368 sqft · SingleFamily public records · 29 Days on market

Built 1967 0.34 ac lot Est $327k · 24% under

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Why this score? — see what drove the D+ 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).

• ARV discount +15.0/15.0
• Cash flow +13.8/30.0
• DSCR +4.2/10.0
• 1% rule +3.9/10.0
• Schools +3.6/10.0
• Rent growth +3.5/5.0
• Livability +3.3/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Completely remodeled, 4 bedroom house on 1/3 of an acre! This gorgeous home has been transformed from a basic 1960s ranch to a modern, turn key property perfect for a family. The interior offers charming and contemporary details like crown moulding, recessed lighting, and refinished hardwood floors. The open floor plan and large windows make the space feel extra welcoming and bright. The living and dining areas feature a unique casing that separates the rooms with moulding and granite details. They both have oak hardwood floors that have been wonderfully refinished, bring back them back to their original glory. The living room flows into the beautifully renovated kitchen with custom ivory cabinets, high end appliances, granite counters, and mosaic tile backsplash. The huge kitchen island offers extra space for meal prep and seating for casual dining, plus a view of the open family room. The hardwood floors continue in all 4 bedrooms which provide ample space and storage. The master suite has his and hers closets along with a built in chest of drawers, plus a full ensuite bathroom. Some other great features of this property are the 2-car garage and spacious the backyard! It's fully fenced with tons of greenery and mature trees and has a huge storage shed. The views of the yard can be enjoyed all year round through the wall to wall windows of the Florida room.

Key facts

• Ample storage space
• Open floor plan
• Large backyard

Tags

• OPEN FLOOR PLAN
• LARGE BACKYARD
• AMPLE STORAGE SPACE

Property features AI

Finance

• HOA & community: No homeowners association

Exterior

• Parking: Attached 2-car garage; 2 covered parking spaces (total 2 spaces)
• Utilities: Public water; Public sewer; Circuit breaker electric service
• Home design: One-story brick residence; Resale property; Not attached to another property
• Construction: Brick construction; Slab foundation; Built on one level
• Exterior features: Shingle roof; Paved, county-maintained public road access

Interior

• Kitchen: Electric water heater
• Bedrooms: Primary bedroom on the first floor, approximately 17 x 15
• Flooring: Hardwood
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air; Ceiling fans
• Interior features: Hardwood flooring; Living/dining combo

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $250k.

Deal economics

• At list price, monthly cash flow is $25 ($302/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 $222k (11.2% below list).
• Recommended offer: $222k (11.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 66/100 on livability (#629 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety B+; Watch: crime 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.
• Zoned schools: West Pensacola Elementary School (math 38% / reading 42%, grade F, #1,491 of 2,144 statewide, top 70%, 459 students, 85% FRL); Warrington Middle School (math 19% / reading 24%, grade F, #553 of 571 statewide, top 97%, 573 students, 87% FRL); Escambia High School (math 19% / reading 29%, grade F, #529 of 667 statewide, top 80%, 1,655 students, 62% FRL) — zoned schools average 78% FRL vs 58% district-wide (20 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 28% at this address vs 42% district-wide (-14 pts) — the specific schools serving this property underperform the Escambia average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising (+3.9%/yr); 267 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 25d 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 43% of the median local income ($62k/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 $2k of loan paydown is wiped out by about $7k 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 29 days — a 2% lower offer ($246k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 19y 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 $217k; 15% above their basis — modest negotiation headroom, anchor on the comps not their cost.

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 $221,789 (11.2% below list)

Questions for the listing agent

1. Built in 1967 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.89% ✗
• Cap rate: 6.41%
• Cash-on-cash: 0.43%
• DSCR: 1.02
• GRM: 9.4

CMA / ARV

• ARV (on-the-fly): $326,784
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
307 N 57th Ave	0.05mi	4/2.0	2,331 (-2%)	4mo	$285,000	$122	92
6035 Schofield Dr	0.21mi	4/3.0	2,450 (+4%)	6mo	$375,000	$153	75
5391 Prieto Dr	0.03mi	5/3.0 (+1)	2,178 (-8%)	5mo	$350,000	$161	72
205 N 59th Ave	0.10mi	3/2.0 (-1)	2,246 (-5%)	13mo	$296,000	$132	71
6030 Schofield Dr	0.22mi	4/3.0	2,127 (-10%)	6mo	$137,000	$64	64
4978 Prieto Dr	0.45mi	3/2.0 (-1)	2,251 (-5%)	3mo	$265,000	$118	63
121 Lovett Pl	0.25mi	4/2.5	2,212 (-7%)	17mo	$345,000	$156	62
312 S 61st Ave	0.37mi	5/3.0 (+1)	2,560 (+8%)	2mo	$411,000	$161	59
6 Chevalier Pl	0.13mi	4/2.0	2,064 (-13%)	18mo	$269,900	$131	58
516 Long Lake Dr	0.66mi	3/2.0 (-1)	2,498 (+6%)	5mo	$345,000	$138	50
330 Bunker Hill Dr	0.69mi	3/3.0 (-1)	2,173 (-8%)	6mo	$315,000	$145	40
625 Edgecliff Dr	0.70mi	3/3.0 (-1)	2,065 (-13%)	2mo	$230,000	$111	35

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 · 3.85% rent growth · sell at horizon

5-year hold

• IRR: -14.7%
• Equity multiple: 0.47×
• Total profit: $-36,948
• Equity at exit: $37,261

10-year hold

• IRR: -4.6%
• Equity multiple: 0.69×
• Total profit: $-21,990
• Equity at exit: $21,607

Cash invested: $69,972 (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 32506

• Home prices YoY: -22.5%
• Rents YoY: 3.9%
• Active inventory: 267
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $2,218 medium
• Mortgage (P&I): −$1,311
• Tax est. 1.5%: −$312 /mo · $3,748/yr
• Insurance: −$104
• HOA: −$0
• Vacancy / Maint / Mgmt: −$466
• Net cashflow: $25

Break-even live

Break-even rent $2,186

Max offer price $249,900

Occupancy floor 94%

Sensitivity live

Price	-10% $198	-5% $111	+0% $25	+5% $-61	+10% $-148
Rent	-10% $-150	-5% $-62	+0% $25	+5% $113	+10% $200
Rate	-1.0pp $151	-0.5pp $89	base $25	+0.5pp $-40	+1.0pp $-106

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: $62,475
• Closing costs: $7,497
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5705 Admiral Doyle Rd Pensacola, FL	4.0	3.0	1988	$2,200	$1.11	25d	1	0.14mi
11 Gunn Cir Pensacola, FL	4.0	2.5	1894	$2,400	$1.27	15d	1	0.49mi
6700 Lake Charlene Dr Pensacola, FL	4.0	2.5	1823	$2,100	$1.15	25d	1	0.68mi
231 S 69th Ave Pensacola, FL	4.0	3.0	2039	$1,925	$0.94	25d	1	0.80mi

Listing history 28 events

1. 2026-06-21
   days on market $249,900 Active 29 DOM
2. 2026-06-18
   days on market $249,900 Active 26 DOM
3. 2026-06-17
   days on market $249,900 Active 25 DOM
4. 2026-06-16
   days on market $249,900 Active 24 DOM
5. 2026-06-15
   days on market $249,900 Active 23 DOM
6. 2026-06-14
   days on market $249,900 Active 21 DOM
7. 2026-06-10
   days on market $249,900 Active 18 DOM
8. 2026-06-09
   days on market $249,900 Active 17 DOM
9. 2026-06-08
   days on market $249,900 Active 16 DOM
10. 2026-06-07
    days on market $249,900 Active 15 DOM
11. 2026-06-03
    days on market $249,900 Active 11 DOM
12. 2026-06-02
    days on market $249,900 Active 10 DOM
13. 2026-06-01
    days on market $249,900 Active 9 DOM
14. 2026-05-31
    days on market $249,900 Active 8 DOM
15. 2026-05-31
    days on market $249,900 Active 7 DOM
16. 2026-05-23
    listed $249,900 Active
17. 2020-04-01
    soldstatus $217,000
18. 2020-03-30
    soldstatus $217,000 1380-char remark

    Show marketing remark (1380 chars)

    Completely remodeled, 4 bedroom house on 1/3 of an acre! This gorgeous home has been transformed from a basic 1960s ranch to a modern, turn key property perfect for a family. The interior offers charming and contemporary details like crown moulding, recessed lighting, and refinished hardwood floors. The open floor plan and large windows make the space feel extra welcoming and bright. The living and dining areas feature a unique casing that separates the rooms with moulding and granite details. They both have oak hardwood floors that have been wonderfully refinished, bring back them back to their original glory. The living room flows into the beautifully renovated kitchen with custom ivory cabinets, high end appliances, granite counters, and mosaic tile backsplash. The huge kitchen island offers extra space for meal prep and seating for casual dining, plus a view of the open family room. The hardwood floors continue in all 4 bedrooms which provide ample space and storage. The master suite has his and hers closets along with a built in chest of drawers, plus a full ensuite bathroom. Some other great features of this property are the 2-car garage and spacious the backyard! It's fully fenced with tons of greenery and mature trees and has a huge storage shed. The views of the yard can be enjoyed all year round through the wall to wall windows of the Florida room.

19. 2019-11-20
    listed $225,000 1380-char remark

    Show marketing remark (1380 chars)

    Completely remodeled, 4 bedroom house on 1/3 of an acre! This gorgeous home has been transformed from a basic 1960s ranch to a modern, turn key property perfect for a family. The interior offers charming and contemporary details like crown moulding, recessed lighting, and refinished hardwood floors. The open floor plan and large windows make the space feel extra welcoming and bright. The living and dining areas feature a unique casing that separates the rooms with moulding and granite details. They both have oak hardwood floors that have been wonderfully refinished, bring back them back to their original glory. The living room flows into the beautifully renovated kitchen with custom ivory cabinets, high end appliances, granite counters, and mosaic tile backsplash. The huge kitchen island offers extra space for meal prep and seating for casual dining, plus a view of the open family room. The hardwood floors continue in all 4 bedrooms which provide ample space and storage. The master suite has his and hers closets along with a built in chest of drawers, plus a full ensuite bathroom. Some other great features of this property are the 2-car garage and spacious the backyard! It's fully fenced with tons of greenery and mature trees and has a huge storage shed. The views of the yard can be enjoyed all year round through the wall to wall windows of the Florida room.

20. 2013-03-22
    soldstatus $85,250 397-char remark

    Show marketing remark (397 chars)

    Nice brick home with great front porch in the Myrtle Grove area. Close to Corry Field and minutes from NAS and Naval Hospital. The home features a great floor plan with a formal living room and dining room. Off the family room is a wonderful Florida room, great for entertainment! There is also plenty of storage with the storage room. Don't miss out on this great home because it won't last long!

21. 2013-01-25
    listed $87,000 397-char remark

    Show marketing remark (397 chars)

    Nice brick home with great front porch in the Myrtle Grove area. Close to Corry Field and minutes from NAS and Naval Hospital. The home features a great floor plan with a formal living room and dining room. Off the family room is a wonderful Florida room, great for entertainment! There is also plenty of storage with the storage room. Don't miss out on this great home because it won't last long!

22. 2012-05-01
    historical
23. 2011-09-15
    listed $63,640
24. 2008-03-20
    soldstatus $170,000
25. 2008-03-14
    soldstatus $170,000
26. 2007-09-03
    listed $173,500
27. 1970-01-01
    soldstatus $26,100
28. 1967-01-01
    soldstatus $25,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 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: $26,615
• − Mortgage interest: −$13,998
• − Property taxes: −$3,748
• − Insurance: −$1,250
• − Repairs & maintenance: −$2,129
• − Management: −$2,129
• − Depreciation: −$7,270
• Taxable loss: −$3,910
• Est. tax savings @ 24.0%: +$938
• After-tax cash flow: $1,240/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 — West Pensacola

• Score: 66/100
• State rank: #629
• US rank: #12275

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: West Pensacola, FL
• County: Escambia County · 301,722 people
• Metro: Pensacola-Ferry Pass-Brent, FL
• Population (ZIP): 34,549
• Household income: $62,486
• Rent vs Own: 39.7% rent · 60.3% own
• Severe rent burden: 1359.0

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: Diverse neighborhood (Simpson 0.60)
• Race & ethnicity: White 60% Black 18% Two or more races 11% Hispanic / Latino 6% Asian 6%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Lithuanian 4% Slovak 2% Italian 2%
• Foreign-born: 9% · Canada, China, Vietnam
• Languages at home: 89% English-only · Spanish 4% Tagalog/Filipino 2% 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: ▼ -71.86%
• Current HPI: 247.6085
• Rent YoY: ▲ 3.85%
• 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

+899.6% since first listed

13 events — show timeline

• 2026-05-23 Listed $249,900 PARMLS
• 2020-04-01 Sold (Public Records) $217,000 Public Records
• 2020-03-30 Sold (MLS) $217,000 PARMLS
• 2019-11-20 Listed $225,000 PARMLS
• 2013-03-22 Sold (MLS) $85,250 PARMLS
• 2013-01-25 Listed $87,000 PARMLS
• 2012-05-01 Listing Removed — PARMLS
• 2011-09-15 Listed $63,640 PARMLS
• 2008-03-20 Sold (Public Records) $170,000 Public Records
• 2008-03-14 Sold (MLS) $170,000 PARMLS
• 2007-09-03 Listed $173,500 PARMLS
• 1970-01-01 Sold (Public Records) $26,100 Public Records
• 1967-01-01 Sold (Public Records) $25,000 Public Records

Property tax history

-15.8%/yr

Latest (2025): $272 · +56.7% YoY. Source: county tax records.