1802 W Godfrey St · Pensacola, FL 32501

$272,900

4 bd · 1.0 ba · 1,177 sqft · SingleFamily public records · 30 Days on market

Built 1997 7,662 sqft lot

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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).

• Cash flow +13.4/30.0
• ARV discount +7.5/15.0
• Livability +4.2/5.0
• DSCR +4.0/10.0
• Rent growth +3.9/5.0
• Schools +3.6/10.0
• 1% rule +2.5/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Larger home for the area and large lot in an up and coming revitalized area. Perfect for your next project. One owner home. Needs interior remodeling. May be original roof, hot water heater and HVAC. Home is sold as is. Buyer to satisfy themselves on all information upon which they rely to make a buying decision. Seller is asking to shorten inspection period to provide for a quicker turn around. New Seller disclosure uploaded. A mattress caught fire in 2019 and the fire department was called. Soot found in the attic. Please read last page of Seller disclosure. Fire department report upon request. Minor damage confirmed to one room. Title work is complete at Omega Title. Ready to close! 72 hOUR KICK OUT CLAUSE IS IN EFFECT. Call with any questions.

Key facts

• Open floor plan
• Large yard
• Updated flooring

Tags

• OPEN FLOOR PLAN
• REDESIGNED KITCHEN
• UPDATED FLOORING
• LARGE YARD
• CONVENIENTLY LOCATED

Property features AI

Finance

• HOA & community: No homeowner association

Exterior

• Parking: Driveway parking; 1–2 spaces per unit (open parking)
• Security: Smoke detectors
• Utilities: Public water; Public sewer; Copper electrical wiring
• Home design: Single-story frame home; Resale property; Not attached to another unit; Homestead exempt; Green/energy-efficient features including insulation and energy-efficient appliances
• Construction: Frame construction; Slab foundation; One level
• Exterior features: Partial fencing; Front porch; Shingle gable roof; Paved, publicly maintained road

Interior

• Kitchen: Remodeled kitchen (completed within the last year); Granite and solid surface countertops; Kitchen island; Pantry; Built-in microwave; Microwave; Dishwasher (ENERGY STAR qualified); Disposal; Refrigerator (ENERGY STAR qualified)
• Bedrooms: Primary bedroom on the first floor (approx. 10' x 11')
• Flooring: Tile flooring
• Bathrooms: Two full bathrooms; Remodeled bathrooms (completed within the last year)
• Heating & cooling: Heat pump heating and cooling (ENERGY STAR qualified); Ceiling fans
• Interior features: Ceiling fans; Recessed lighting; Insulated doors; Double-pane windows
• Laundry & utility: Washer/Dryer hookups; Electric water heater

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $273k.

Deal economics

• At list price, monthly cash flow is $5 ($62/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 $204k (25.3% below list).
• Recommended offer: $204k (25.3% below list) — sets the bar for 1% rule.
• Cap rate 6.3% 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.
• Zoned schools: C. A. Weis Elementary School (math 20% / reading 27%, grade F, #2,061 of 2,144 statewide, top 96%, 466 students, 93% FRL); Warrington Middle School (math 19% / reading 24%, grade F, #553 of 571 statewide, top 97%, 573 students, 87% FRL); Pensacola High School (math 29% / reading 50%, grade F, #304 of 667 statewide, top 47%, 1,229 students, 55% 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 fast (+5.4%/yr); 130 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 1,479 units permitted in Escambia County in 2024 (0 in 5+ unit buildings).
• At $2,038/mo this rent would consume 55% of the median local household income ($44k/yr) (locally 816% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k 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 30 days — a 2% lower offer ($269k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts 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 $82k; list at $273k implies a 231% 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→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $203,816 (25.3% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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.
4. 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.
5. 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: 0.75% ✗
• Cap rate: 6.32%
• Cash-on-cash: 0.08%
• DSCR: 1.00
• GRM: 11.2

CMA / ARV

• ARV (on-the-fly): $165,957
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1120 N L St	0.21mi	3/1.0 (-1)	1,212 (+3%)	6mo	$75,000	$62	75
1880 Godfrey St	0.04mi	3/1.0 (-1)	1,040 (-12%)	2mo	$147,800	$142	72
1100 Hayden Ct	0.19mi	3/2.0 (-1)	1,113 (-5%)	3mo	$245,000	$220	71
812 N D St	0.71mi	3/1.0 (-1)	1,160 (-1%)	3mo	$75,000	$65	57
919 & 917 W Lloyd St	0.47mi	3/3.0 (-1)	1,214 (+3%)	3mo	$399,000	$329	57
1905 N S St	0.54mi	3/1.5 (-1)	1,247 (+6%)	1mo	$95,000	$76	57
921 W Lloyd St	0.45mi	3/3.0 (-1)	1,214 (+3%)	5mo	$395,000	$325	56
1716 N S St	0.47mi	3/1.0 (-1)	1,080 (-8%)	4mo	$130,000	$120	56
1105 W Gonzales St	0.49mi	4/2.0	1,294 (+10%)	1mo	$180,000	$139	56
2406 W Jordan St	0.63mi	3/1.0 (-1)	1,126 (-4%)	4mo	$150,000	$133	55
2300 W Jackson St	0.68mi	3/2.0 (-1)	1,274 (+8%)	1mo	$180,000	$141	45
2419 N L St	0.71mi	3/2.0 (-1)	1,285 (+9%)	2mo	$247,000	$192	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 · 5.4% rent growth · sell at horizon

5-year hold

• IRR: -14.0%
• Equity multiple: 0.49×
• Total profit: $-38,997
• Equity at exit: $40,690

10-year hold

• IRR: -2.2%
• Equity multiple: 0.84×
• Total profit: $-12,391
• Equity at exit: $23,595

Cash invested: $76,412 (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 32501

• Rents YoY: 5.4%
• Active inventory: 130
• Price-to-rent: 11.2×

Monthly cashflow live

• Estimated rent: $2,038 high
• Mortgage (P&I): −$1,431
• Tax from tax record: −$60 /mo · $722/yr
• Insurance: −$114
• HOA: −$0
• Vacancy / Maint / Mgmt: −$428
• Net cashflow: $5

Break-even live

Break-even rent $2,032

Max offer price $272,900

Occupancy floor 95%

Sensitivity live

Price	-10% $160	-5% $82	+0% $5	+5% $-72	+10% $-149
Rent	-10% $-156	-5% $-75	+0% $5	+5% $86	+10% $166
Rate	-1.0pp $143	-0.5pp $75	base $5	+0.5pp $-66	+1.0pp $-138

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: $68,225
• Closing costs: $8,187
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1215 N C St Pensacola, FL	3.0	1.0	1203	$1,775	$1.48	15d	1	0.63mi
814 N E St Pensacola, FL	3.0	2.0	1440	$1,695	$1.18	25d	1	0.65mi
1804 W Belmont St Unit A Pensacola, FL	3.0	1.0	925	$995	$1.08	23d	1	0.70mi
721 W Jordan St Pensacola, FL	3.0	2.0	1030	$1,895	$1.84	25d	1	0.76mi
309 N Pace Blvd Unit B Pensacola, FL	3.0	2.0	1342	$1,650	$1.23	25d	1	0.79mi
315 N Pace Blvd Unit A Pensacola, FL	3.0	2.0	1342	$1,850	$1.38	25d	1	0.79mi
315 N Pace Blvd Unit b Pensacola, FL	3.0	2.0	1342	$1,650	$1.23	25d	1	0.79mi
239 N K St Pensacola, FL	3.0	2.0	1392	$1,950	$1.40	25d	1	0.83mi
407 W Jordan St Unit NA Pensacola, FL	3.0	2.0	1300	$2,200	$1.69	25d	1	0.86mi
615 N A St Pensacola, FL	3.0	2.0	1122	$1,900	$1.69	15d	1	0.92mi
418 N C St Pensacola, FL	3.0	2.0	1017	$2,775	$2.73	15d	1	0.93mi
410 N C St Unit 1367374P Pensacola, FL	3.0	2.0	1291	$3,313	$2.57	15d	1	0.94mi
106 S G St Pensacola, FL	3.0	2.0	1300	$2,200	$1.69	25d	1	1.18mi
504 N Spring St Unit B Pensacola, FL	3.0	1.5	1485	$1,995	$1.34	25d	1	1.27mi
852 Garnet St Pensacola, FL	3.0	1.5	1150	$1,150	$1.00	15d	1	1.35mi
3417 W Fisher St Unit C Pensacola, FL	3.0	2.0	1106	$1,350	$1.22	25d	1	1.40mi
3740 Frontera Cir Pensacola, FL	3.0	1.0	1024	$1,295	$1.26	25d	1	1.49mi

Listing history 31 events

1. 2026-06-21
   days on market $272,900 Active 30 DOM
2. 2026-06-18
   days on market $272,900 Active 27 DOM
3. 2026-06-17
   days on market $272,900 Active 26 DOM
4. 2026-06-16
   days on market $272,900 Active 25 DOM
5. 2026-06-15
   days on market $272,900 Active 24 DOM
6. 2026-06-14
   days on market $272,900 Active 22 DOM
7. 2026-06-10
   days on market $272,900 Active 19 DOM
8. 2026-06-09
   days on market $272,900 Active 18 DOM
9. 2026-06-08
   days on market $272,900 Active 17 DOM
10. 2026-06-07
    days on market $272,900 Active 16 DOM
11. 2026-06-03
    days on market $272,900 Active 12 DOM
12. 2026-06-02
    days on market $272,900 Active 11 DOM
13. 2026-06-01
    days on market $272,900 Active 10 DOM
14. 2026-05-31
    days on market $272,900 Active 9 DOM
15. 2026-05-31
    days on market $272,900 Active 8 DOM
16. 2026-05-22
    listed $272,900 Active
17. 2025-08-18
    soldstatus $82,500 Sold 763-char remark

    Show marketing remark (763 chars)

    Larger home for the area and large lot in an up and coming revitalized area. Perfect for your next project. One owner home. Needs interior remodeling. May be original roof, hot water heater and HVAC. Home is sold as is. Buyer to satisfy themselves on all information upon which they rely to make a buying decision. Seller is asking to shorten inspection period to provide for a quicker turn around. New Seller disclosure uploaded. A mattress caught fire in 2019 and the fire department was called. Soot found in the attic. Please read last page of Seller disclosure. Fire department report upon request. Minor damage confirmed to one room. Title work is complete at Omega Title. Ready to close! 72 hOUR KICK OUT CLAUSE IS IN EFFECT. Call with any questions.

18. 2025-08-15
    soldstatus $82,500 Closed 738-char remark

    Show marketing remark (738 chars)

    Larger home for the area and large lot in an up and coming revitalized area. Perfect for your next project. One owner home. Needs interior remodeling. May be original roof, hot water heater and HVAC. Home is sold as is. Buyer to satisfy themselves on all information upon which they rely to make a buying decision. Seller is asking to shorten inspection period to provide for a quicker turn around. New Seller disclosure uploaded. A mattress caught fire in 2019 and the fire department was called. Soot found in the attic. Please read last page of Seller disclosure. Title work is complete at Omega Title. Ready to close! Buyer to verify all information during due diligence. 72 Hour Kick Out Clause is in effect. Call with any questions.

19. 2025-07-07
    status Pending 738-char remark

    Show marketing remark (738 chars)

    Larger home for the area and large lot in an up and coming revitalized area. Perfect for your next project. One owner home. Needs interior remodeling. May be original roof, hot water heater and HVAC. Home is sold as is. Buyer to satisfy themselves on all information upon which they rely to make a buying decision. Seller is asking to shorten inspection period to provide for a quicker turn around. New Seller disclosure uploaded. A mattress caught fire in 2019 and the fire department was called. Soot found in the attic. Please read last page of Seller disclosure. Title work is complete at Omega Title. Ready to close! Buyer to verify all information during due diligence. 72 Hour Kick Out Clause is in effect. Call with any questions.

20. 2025-06-30
    historical Active Under Contract 738-char remark

    Show marketing remark (763 chars)

    Larger home for the area and large lot in an up and coming revitalized area. Perfect for your next project. One owner home. Needs interior remodeling. May be original roof, hot water heater and HVAC. Home is sold as is. Buyer to satisfy themselves on all information upon which they rely to make a buying decision. Seller is asking to shorten inspection period to provide for a quicker turn around. New Seller disclosure uploaded. A mattress caught fire in 2019 and the fire department was called. Soot found in the attic. Please read last page of Seller disclosure. Fire department report upon request. Minor damage confirmed to one room. Title work is complete at Omega Title. Ready to close! 72 hOUR KICK OUT CLAUSE IS IN EFFECT. Call with any questions.

21. 2025-06-30
    historical Contingent 763-char remark

    Show marketing remark (763 chars)

    Larger home for the area and large lot in an up and coming revitalized area. Perfect for your next project. One owner home. Needs interior remodeling. May be original roof, hot water heater and HVAC. Home is sold as is. Buyer to satisfy themselves on all information upon which they rely to make a buying decision. Seller is asking to shorten inspection period to provide for a quicker turn around. New Seller disclosure uploaded. A mattress caught fire in 2019 and the fire department was called. Soot found in the attic. Please read last page of Seller disclosure. Fire department report upon request. Minor damage confirmed to one room. Title work is complete at Omega Title. Ready to close! 72 hOUR KICK OUT CLAUSE IS IN EFFECT. Call with any questions.

22. 2025-06-14
    status Active 738-char remark

    Show marketing remark (763 chars)

    Larger home for the area and large lot in an up and coming revitalized area. Perfect for your next project. One owner home. Needs interior remodeling. May be original roof, hot water heater and HVAC. Home is sold as is. Buyer to satisfy themselves on all information upon which they rely to make a buying decision. Seller is asking to shorten inspection period to provide for a quicker turn around. New Seller disclosure uploaded. A mattress caught fire in 2019 and the fire department was called. Soot found in the attic. Please read last page of Seller disclosure. Fire department report upon request. Minor damage confirmed to one room. Title work is complete at Omega Title. Ready to close! 72 hOUR KICK OUT CLAUSE IS IN EFFECT. Call with any questions.

23. 2025-06-14
    status Active 763-char remark

    Show marketing remark (763 chars)

    Larger home for the area and large lot in an up and coming revitalized area. Perfect for your next project. One owner home. Needs interior remodeling. May be original roof, hot water heater and HVAC. Home is sold as is. Buyer to satisfy themselves on all information upon which they rely to make a buying decision. Seller is asking to shorten inspection period to provide for a quicker turn around. New Seller disclosure uploaded. A mattress caught fire in 2019 and the fire department was called. Soot found in the attic. Please read last page of Seller disclosure. Fire department report upon request. Minor damage confirmed to one room. Title work is complete at Omega Title. Ready to close! 72 hOUR KICK OUT CLAUSE IS IN EFFECT. Call with any questions.

24. 2025-06-14
    historical 763-char remark

    Show marketing remark (763 chars)

    Larger home for the area and large lot in an up and coming revitalized area. Perfect for your next project. One owner home. Needs interior remodeling. May be original roof, hot water heater and HVAC. Home is sold as is. Buyer to satisfy themselves on all information upon which they rely to make a buying decision. Seller is asking to shorten inspection period to provide for a quicker turn around. New Seller disclosure uploaded. A mattress caught fire in 2019 and the fire department was called. Soot found in the attic. Please read last page of Seller disclosure. Fire department report upon request. Minor damage confirmed to one room. Title work is complete at Omega Title. Ready to close! 72 hOUR KICK OUT CLAUSE IS IN EFFECT. Call with any questions.

25. 2025-05-06
    status Pending 738-char remark

    Show marketing remark (763 chars)

    Larger home for the area and large lot in an up and coming revitalized area. Perfect for your next project. One owner home. Needs interior remodeling. May be original roof, hot water heater and HVAC. Home is sold as is. Buyer to satisfy themselves on all information upon which they rely to make a buying decision. Seller is asking to shorten inspection period to provide for a quicker turn around. New Seller disclosure uploaded. A mattress caught fire in 2019 and the fire department was called. Soot found in the attic. Please read last page of Seller disclosure. Fire department report upon request. Minor damage confirmed to one room. Title work is complete at Omega Title. Ready to close! 72 hOUR KICK OUT CLAUSE IS IN EFFECT. Call with any questions.

26. 2025-05-06
    historical Contingent 763-char remark

    Show marketing remark (763 chars)

    Larger home for the area and large lot in an up and coming revitalized area. Perfect for your next project. One owner home. Needs interior remodeling. May be original roof, hot water heater and HVAC. Home is sold as is. Buyer to satisfy themselves on all information upon which they rely to make a buying decision. Seller is asking to shorten inspection period to provide for a quicker turn around. New Seller disclosure uploaded. A mattress caught fire in 2019 and the fire department was called. Soot found in the attic. Please read last page of Seller disclosure. Fire department report upon request. Minor damage confirmed to one room. Title work is complete at Omega Title. Ready to close! 72 hOUR KICK OUT CLAUSE IS IN EFFECT. Call with any questions.

27. 2025-05-04
    status Active 738-char remark

    Show marketing remark (763 chars)

    Larger home for the area and large lot in an up and coming revitalized area. Perfect for your next project. One owner home. Needs interior remodeling. May be original roof, hot water heater and HVAC. Home is sold as is. Buyer to satisfy themselves on all information upon which they rely to make a buying decision. Seller is asking to shorten inspection period to provide for a quicker turn around. New Seller disclosure uploaded. A mattress caught fire in 2019 and the fire department was called. Soot found in the attic. Please read last page of Seller disclosure. Fire department report upon request. Minor damage confirmed to one room. Title work is complete at Omega Title. Ready to close! 72 hOUR KICK OUT CLAUSE IS IN EFFECT. Call with any questions.

28. 2025-05-04
    status Active 763-char remark

    Show marketing remark (763 chars)

    Larger home for the area and large lot in an up and coming revitalized area. Perfect for your next project. One owner home. Needs interior remodeling. May be original roof, hot water heater and HVAC. Home is sold as is. Buyer to satisfy themselves on all information upon which they rely to make a buying decision. Seller is asking to shorten inspection period to provide for a quicker turn around. New Seller disclosure uploaded. A mattress caught fire in 2019 and the fire department was called. Soot found in the attic. Please read last page of Seller disclosure. Fire department report upon request. Minor damage confirmed to one room. Title work is complete at Omega Title. Ready to close! 72 hOUR KICK OUT CLAUSE IS IN EFFECT. Call with any questions.

29. 2025-05-01
    historical 763-char remark

    Show marketing remark (763 chars)

    Larger home for the area and large lot in an up and coming revitalized area. Perfect for your next project. One owner home. Needs interior remodeling. May be original roof, hot water heater and HVAC. Home is sold as is. Buyer to satisfy themselves on all information upon which they rely to make a buying decision. Seller is asking to shorten inspection period to provide for a quicker turn around. New Seller disclosure uploaded. A mattress caught fire in 2019 and the fire department was called. Soot found in the attic. Please read last page of Seller disclosure. Fire department report upon request. Minor damage confirmed to one room. Title work is complete at Omega Title. Ready to close! 72 hOUR KICK OUT CLAUSE IS IN EFFECT. Call with any questions.

30. 2025-04-29
    listed $89,000 Active 763-char remark

    Show marketing remark (738 chars)

    Larger home for the area and large lot in an up and coming revitalized area. Perfect for your next project. One owner home. Needs interior remodeling. May be original roof, hot water heater and HVAC. Home is sold as is. Buyer to satisfy themselves on all information upon which they rely to make a buying decision. Seller is asking to shorten inspection period to provide for a quicker turn around. New Seller disclosure uploaded. A mattress caught fire in 2019 and the fire department was called. Soot found in the attic. Please read last page of Seller disclosure. Title work is complete at Omega Title. Ready to close! Buyer to verify all information during due diligence. 72 Hour Kick Out Clause is in effect. Call with any questions.

31. 2025-04-29
    listed $89,000 Active 738-char remark

    Show marketing remark (738 chars)

    Larger home for the area and large lot in an up and coming revitalized area. Perfect for your next project. One owner home. Needs interior remodeling. May be original roof, hot water heater and HVAC. Home is sold as is. Buyer to satisfy themselves on all information upon which they rely to make a buying decision. Seller is asking to shorten inspection period to provide for a quicker turn around. New Seller disclosure uploaded. A mattress caught fire in 2019 and the fire department was called. Soot found in the attic. Please read last page of Seller disclosure. Title work is complete at Omega Title. Ready to close! Buyer to verify all information during due diligence. 72 Hour Kick Out Clause is in effect. Call with any questions.

ⓘ 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: $722 · $60/mo
• Projected year-2 tax: $2,265 · $189/mo
• Expected delta: +$1,543/yr (+$129/mo · 213.6%)

ⓘ 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: $24,458
• − Mortgage interest: −$15,287
• − Property taxes: −$722
• − Insurance: −$1,364
• − Repairs & maintenance: −$1,957
• − Management: −$1,957
• − Depreciation: −$7,939
• Taxable loss: −$4,768
• Est. tax savings @ 24.0%: +$1,144
• After-tax cash flow: $1,206/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): 11,036
• Household income: $44,139
• Rent vs Own: 49.0% rent · 51.0% own
• Severe rent burden: 816.0

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 0.62)
• Race & ethnicity: Black 45% White 42% Two or more races 8% Hispanic / Latino 5%
• Common ancestry: Subsaharan African 2% Italian 2% Slovak 2%
• Foreign-born: 2% · Canada, Vietnam
• Languages at home: 97% English-only · Spanish 2%

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: ▼ -210.53%
• Current HPI: 273.0151
• Rent YoY: ▲ 5.40%
• 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

+206.6% since first listed

16 events — show timeline

• 2026-05-22 Listed $272,900 PARMLS
• 2025-08-18 Sold (MLS) $82,500 PARMLS
• 2025-08-15 Sold (MLS) $82,500 BCAR
• 2025-07-07 Pending — BCAR
• 2025-06-30 Contingent — BCAR
• 2025-06-30 Contingent — PARMLS
• 2025-06-14 Relisted — BCAR
• 2025-06-14 Relisted — PARMLS
• 2025-06-14 Listing Removed — PARMLS
• 2025-05-06 Pending — BCAR
• 2025-05-06 Contingent — PARMLS
• 2025-05-04 Relisted — BCAR
• 2025-05-04 Relisted — PARMLS
• 2025-05-01 Listing Removed — PARMLS
• 2025-04-29 Listed $89,000 BCAR
• 2025-04-29 Listed $89,000 PARMLS

Property tax history

+3.5%/yr

Latest (2025): $722 · +8.4% YoY. Source: county tax records.