107 W Madison Dr · West Pensacola, FL 32505

$140,000

3 bd · 1.0 ba · 1,077 sqft · SingleFamily public records · 403 Days on market

Built 1955 10,018 sqft lot $130/sqft · 11% below area Est $157k · 11% under

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Why this score? — see what drove the B- 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 +25.0/30.0
• ARV discount +12.4/15.0
• DSCR +8.2/10.0
• 1% rule +6.4/10.0
• Rent growth +3.7/5.0
• Schools +3.6/10.0
• Livability +3.3/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

**Approved Short Sale – Cash Buyers Only** Don’t miss this well maintained 3 bedroom, 1 bath home situated on a spacious ¼ acre lot in central Pensacola. Offering a blend of functionality and outdoor living, this property features a massive garage, a covered outdoor patio, and a separate storage shed—perfect for hobbies, entertaining, or extra storage needs. Inside, you’ll find an easy-to-maintain layout with no carpet and neutral finishes. The home offers comfortable living space with plenty of natural light. The seller is offering to install a new roof with an acceptable offer. Conveniently located just minutes from downtown Pensacola, shopping, restaurants, and recreational spots like the Roger Scott Athletic Complex and Bayview Park. Zoned for Sherwood Elementary, Warrington Middle, and Escambia High School. Easy access to I-110 and just a short drive to Pensacola Beach or NAS. Great opportunity for first-time buyers, downsizers, or investors looking for a solid home with room to grow. Schedule your showing today!

Key facts

• Easy access to i-110
• Natural light
• Spacious lot

Tags

• SPACIOUS LOT
• COVERED OUTDOOR PATIO
• SEPARATE STORAGE SHED
• NATURAL LIGHT
• EASY ACCESS TO I-110

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $140k.

Deal economics

• At list price, monthly cash flow is $306 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $140k).
• Recommended offer: $123k (12.0% below list) — sets the bar for market timing.

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, schools F, amenities 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 (+4.9%/yr); 198 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals at typical pace (median 24d 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).
• This rent runs 43% of the median local income ($45k/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 $968 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Escambia County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 4.9% rent growth), your $39k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 403 days — a 12% lower offer ($123k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 13y ago; this cycle's ask has dropped $35k (20%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1955 — expect roof / HVAC / electrical / plumbing capex.
• 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 $123,200 (12.0% below list)

Questions for the listing agent

1. It's been on market 403 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 1955 — 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 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?
6. 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?
7. 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.
8. 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.
9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.14% ✓
• Cap rate: 8.92%
• Cash-on-cash: 9.38%
• DSCR: 1.42
• GRM: 7.3

CMA / ARV

• ARV (median comp): $157,150
• List price: $140,000
• Delta: -10.91%
• 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
219 Mckinley Dr	0.20mi	3/1.0	1,025 (-5%)	1mo	$160,000	$156	82
3320 Two Sisters Way	0.32mi	3/2.0	1,140 (+6%)	0mo	$210,000	$184	71
84 S Garfield Dr	0.18mi	3/1.0	948 (-12%)	4mo	$80,000	$84	68
835 S Madison Dr	0.60mi	3/1.0	1,014 (-6%)	6mo	$81,500	$80	57
104 Georgia Dr	0.66mi	3/1.0	1,042 (-3%)	9mo	$55,000	$53	57
502 New York Dr	0.67mi	3/2.0	1,046 (-3%)	10mo	$135,000	$129	51
105 Cherokee Trl	0.51mi	2/1.0 (-1)	1,035 (-4%)	17mo	$128,500	$124	51
1013 Webster Dr	0.35mi	3/1.0	1,225 (+14%)	14mo	$175,000	$143	50
603 New York Dr	0.72mi	3/1.0	964 (-10%)	2mo	$125,000	$130	47
1420 W Clio Dr	0.72mi	3/1.0	1,025 (-5%)	16mo	$175,000	$171	45
5 Huntington Dr	0.75mi	3/1.0	1,004 (-7%)	11mo	$139,900	$139	44
6 Georgia Dr	0.68mi	4/2.0 (+1)	1,206 (+12%)	3mo	$157,000	$130	37

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 · 4.92% rent growth · sell at horizon

5-year hold

• IRR: 0.0%
• Equity multiple: 1.00×
• Total profit: $5
• Equity at exit: $20,874

10-year hold

• IRR: 11.5%
• Equity multiple: 1.99×
• Total profit: $38,671
• Equity at exit: $12,105

Cash invested: $39,200 (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 32505

• Home prices YoY: -26.5%
• Rents YoY: 4.9%
• Active inventory: 198
• Price-to-rent: 7.3×

Monthly cashflow live

• Estimated rent: $1,602 high
• Mortgage (P&I): −$734
• Tax from tax record: −$166 /mo · $1,994/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$336
• Net cashflow: $306

Break-even live

Break-even rent $1,214

Max offer price $140,000

Occupancy floor 76%

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: $35,000
• Closing costs: $4,200
• Reserves months: —
• Total cash needed: —

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
221 Edison Dr Pensacola, FL	3.0	1.0	1500	$1,598	$1.07	23d	1	0.20mi
3216 Two Sisters Way Pensacola, FL	3.0	2.0	1117	$1,700	$1.52	23d	1	0.32mi
2702 Massachusetts Ave Pensacola, FL	1.0–3.0	1.0–2.5	1150	$1,745	$1.52	13d	9	0.62mi
101 Vanderbilt Rd Pensacola, FL	3.0	2.0	1104	$1,850	$1.68	21d	1	0.74mi
5207 Charbar Dr Unit B Pensacola, FL	2.0	1.0	850	$1,050	$1.24	23d	1	0.75mi
707 New York Dr Pensacola, FL	2.0	1.0	1266	$1,185	$0.94	23d	1	0.83mi
2355 W Michigan Ave Pensacola, FL	1.0–2.0	1.0–2.0	850	$1,450	$1.71	13d	9	1.09mi
5472 Dover Ave Pensacola, FL	3.0	2.0	840	$1,300	$1.55	23d	1	1.13mi
2303 W Michigan Ave Unit A6 Pensacola, FL	2.0	2.0	1014	$1,300	$1.28	23d	1	1.21mi
2300 W Michigan Ave #12 Pensacola, FL	2.0	2.0	1050	$1,300	$1.24	23d	1	1.24mi
2301 W Michigan Ave #21 Pensacola, FL	2.0	2.5	1164	$1,325	$1.14	23d	1	1.26mi
5602 W Shore Dr Unit B Pensacola, FL	2.0	2.0	920	$1,250	$1.36	23d	1	1.31mi
4519 Martha Ave Pensacola, FL	3.0	1.0	1104	$1,600	$1.45	23d	1	1.36mi
5877 Tryton Cir Pensacola, FL	4.0	2.0	1419	$1,825	$1.29	23d	1	1.40mi
3230 Palmdale Ave Pensacola, FL	3.0	2.0	1300	$1,500	$1.15	23d	1	1.46mi

Listing history 33 events

1. 2026-06-18
   days on market $140,000 Active 403 DOM
2. 2026-06-17
   days on market $140,000 Active 402 DOM
3. 2026-06-16
   days on market $140,000 Active 401 DOM
4. 2026-06-15
   days on market $140,000 Active 400 DOM
5. 2026-06-14
   days on market $140,000 Active 398 DOM
6. 2026-06-10
   days on market $140,000 Active 395 DOM
7. 2026-06-09
   days on market $140,000 Active 394 DOM
8. 2026-06-08
   days on market $140,000 Active 393 DOM
9. 2026-06-07
   days on market $140,000 Active 392 DOM
10. 2026-06-03
    days on market $140,000 Active 388 DOM
11. 2026-06-02
    days on market $140,000 Active 387 DOM
12. 2026-06-01
    days on market $140,000 Active 386 DOM
13. 2026-05-31
    days on market $140,000 Active 385 DOM
14. 2026-04-09
    price $140,000 1067-char remark

    Show marketing remark (1067 chars)

    **Approved Short Sale – Cash Buyers Only** Don’t miss this well maintained 3 bedroom, 1 bath home situated on a spacious ¼ acre lot in central Pensacola. Offering a blend of functionality and outdoor living, this property features a massive garage, a covered outdoor patio, and a separate storage shed—perfect for hobbies, entertaining, or extra storage needs. Inside, you’ll find an easy-to-maintain layout with no carpet and neutral finishes. The home offers comfortable living space with plenty of natural light. The seller is offering to install a new roof with an acceptable offer. Conveniently located just minutes from downtown Pensacola, shopping, restaurants, and recreational spots like the Roger Scott Athletic Complex and Bayview Park. Zoned for Sherwood Elementary, Warrington Middle, and Escambia High School. Easy access to I-110 and just a short drive to Pensacola Beach or NAS. Great opportunity for first-time buyers, downsizers, or investors looking for a solid home with room to grow. Schedule your showing today!

15. 2026-02-28
    price $162,500 1067-char remark

    Show marketing remark (1067 chars)

    **Approved Short Sale – Cash Buyers Only** Don’t miss this well maintained 3 bedroom, 1 bath home situated on a spacious ¼ acre lot in central Pensacola. Offering a blend of functionality and outdoor living, this property features a massive garage, a covered outdoor patio, and a separate storage shed—perfect for hobbies, entertaining, or extra storage needs. Inside, you’ll find an easy-to-maintain layout with no carpet and neutral finishes. The home offers comfortable living space with plenty of natural light. The seller is offering to install a new roof with an acceptable offer. Conveniently located just minutes from downtown Pensacola, shopping, restaurants, and recreational spots like the Roger Scott Athletic Complex and Bayview Park. Zoned for Sherwood Elementary, Warrington Middle, and Escambia High School. Easy access to I-110 and just a short drive to Pensacola Beach or NAS. Great opportunity for first-time buyers, downsizers, or investors looking for a solid home with room to grow. Schedule your showing today!

16. 2026-01-26
    price $165,000 1067-char remark

    Show marketing remark (1067 chars)

    **Approved Short Sale – Cash Buyers Only** Don’t miss this well maintained 3 bedroom, 1 bath home situated on a spacious ¼ acre lot in central Pensacola. Offering a blend of functionality and outdoor living, this property features a massive garage, a covered outdoor patio, and a separate storage shed—perfect for hobbies, entertaining, or extra storage needs. Inside, you’ll find an easy-to-maintain layout with no carpet and neutral finishes. The home offers comfortable living space with plenty of natural light. The seller is offering to install a new roof with an acceptable offer. Conveniently located just minutes from downtown Pensacola, shopping, restaurants, and recreational spots like the Roger Scott Athletic Complex and Bayview Park. Zoned for Sherwood Elementary, Warrington Middle, and Escambia High School. Easy access to I-110 and just a short drive to Pensacola Beach or NAS. Great opportunity for first-time buyers, downsizers, or investors looking for a solid home with room to grow. Schedule your showing today!

17. 2026-01-25
    status Active 1067-char remark

    Show marketing remark (1067 chars)

    **Approved Short Sale – Cash Buyers Only** Don’t miss this well maintained 3 bedroom, 1 bath home situated on a spacious ¼ acre lot in central Pensacola. Offering a blend of functionality and outdoor living, this property features a massive garage, a covered outdoor patio, and a separate storage shed—perfect for hobbies, entertaining, or extra storage needs. Inside, you’ll find an easy-to-maintain layout with no carpet and neutral finishes. The home offers comfortable living space with plenty of natural light. The seller is offering to install a new roof with an acceptable offer. Conveniently located just minutes from downtown Pensacola, shopping, restaurants, and recreational spots like the Roger Scott Athletic Complex and Bayview Park. Zoned for Sherwood Elementary, Warrington Middle, and Escambia High School. Easy access to I-110 and just a short drive to Pensacola Beach or NAS. Great opportunity for first-time buyers, downsizers, or investors looking for a solid home with room to grow. Schedule your showing today!

18. 2025-12-09
    historical Contingent 1067-char remark

    Show marketing remark (1067 chars)

    **Approved Short Sale – Cash Buyers Only** Don’t miss this well maintained 3 bedroom, 1 bath home situated on a spacious ¼ acre lot in central Pensacola. Offering a blend of functionality and outdoor living, this property features a massive garage, a covered outdoor patio, and a separate storage shed—perfect for hobbies, entertaining, or extra storage needs. Inside, you’ll find an easy-to-maintain layout with no carpet and neutral finishes. The home offers comfortable living space with plenty of natural light. The seller is offering to install a new roof with an acceptable offer. Conveniently located just minutes from downtown Pensacola, shopping, restaurants, and recreational spots like the Roger Scott Athletic Complex and Bayview Park. Zoned for Sherwood Elementary, Warrington Middle, and Escambia High School. Easy access to I-110 and just a short drive to Pensacola Beach or NAS. Great opportunity for first-time buyers, downsizers, or investors looking for a solid home with room to grow. Schedule your showing today!

19. 2025-12-02
    historical 1067-char remark

    Show marketing remark (1067 chars)

    **Approved Short Sale – Cash Buyers Only** Don’t miss this well maintained 3 bedroom, 1 bath home situated on a spacious ¼ acre lot in central Pensacola. Offering a blend of functionality and outdoor living, this property features a massive garage, a covered outdoor patio, and a separate storage shed—perfect for hobbies, entertaining, or extra storage needs. Inside, you’ll find an easy-to-maintain layout with no carpet and neutral finishes. The home offers comfortable living space with plenty of natural light. The seller is offering to install a new roof with an acceptable offer. Conveniently located just minutes from downtown Pensacola, shopping, restaurants, and recreational spots like the Roger Scott Athletic Complex and Bayview Park. Zoned for Sherwood Elementary, Warrington Middle, and Escambia High School. Easy access to I-110 and just a short drive to Pensacola Beach or NAS. Great opportunity for first-time buyers, downsizers, or investors looking for a solid home with room to grow. Schedule your showing today!

20. 2025-11-03
    historical Contingent 1067-char remark

    Show marketing remark (1067 chars)

    **Approved Short Sale – Cash Buyers Only** Don’t miss this well maintained 3 bedroom, 1 bath home situated on a spacious ¼ acre lot in central Pensacola. Offering a blend of functionality and outdoor living, this property features a massive garage, a covered outdoor patio, and a separate storage shed—perfect for hobbies, entertaining, or extra storage needs. Inside, you’ll find an easy-to-maintain layout with no carpet and neutral finishes. The home offers comfortable living space with plenty of natural light. The seller is offering to install a new roof with an acceptable offer. Conveniently located just minutes from downtown Pensacola, shopping, restaurants, and recreational spots like the Roger Scott Athletic Complex and Bayview Park. Zoned for Sherwood Elementary, Warrington Middle, and Escambia High School. Easy access to I-110 and just a short drive to Pensacola Beach or NAS. Great opportunity for first-time buyers, downsizers, or investors looking for a solid home with room to grow. Schedule your showing today!

21. 2025-09-26
    price $160,000 1067-char remark

    Show marketing remark (1067 chars)

    **Approved Short Sale – Cash Buyers Only** Don’t miss this well maintained 3 bedroom, 1 bath home situated on a spacious ¼ acre lot in central Pensacola. Offering a blend of functionality and outdoor living, this property features a massive garage, a covered outdoor patio, and a separate storage shed—perfect for hobbies, entertaining, or extra storage needs. Inside, you’ll find an easy-to-maintain layout with no carpet and neutral finishes. The home offers comfortable living space with plenty of natural light. The seller is offering to install a new roof with an acceptable offer. Conveniently located just minutes from downtown Pensacola, shopping, restaurants, and recreational spots like the Roger Scott Athletic Complex and Bayview Park. Zoned for Sherwood Elementary, Warrington Middle, and Escambia High School. Easy access to I-110 and just a short drive to Pensacola Beach or NAS. Great opportunity for first-time buyers, downsizers, or investors looking for a solid home with room to grow. Schedule your showing today!

22. 2025-09-05
    price $162,500 1067-char remark

    Show marketing remark (1067 chars)

    **Approved Short Sale – Cash Buyers Only** Don’t miss this well maintained 3 bedroom, 1 bath home situated on a spacious ¼ acre lot in central Pensacola. Offering a blend of functionality and outdoor living, this property features a massive garage, a covered outdoor patio, and a separate storage shed—perfect for hobbies, entertaining, or extra storage needs. Inside, you’ll find an easy-to-maintain layout with no carpet and neutral finishes. The home offers comfortable living space with plenty of natural light. The seller is offering to install a new roof with an acceptable offer. Conveniently located just minutes from downtown Pensacola, shopping, restaurants, and recreational spots like the Roger Scott Athletic Complex and Bayview Park. Zoned for Sherwood Elementary, Warrington Middle, and Escambia High School. Easy access to I-110 and just a short drive to Pensacola Beach or NAS. Great opportunity for first-time buyers, downsizers, or investors looking for a solid home with room to grow. Schedule your showing today!

23. 2025-08-26
    price $165,000 1067-char remark

    Show marketing remark (1067 chars)

    **Approved Short Sale – Cash Buyers Only** Don’t miss this well maintained 3 bedroom, 1 bath home situated on a spacious ¼ acre lot in central Pensacola. Offering a blend of functionality and outdoor living, this property features a massive garage, a covered outdoor patio, and a separate storage shed—perfect for hobbies, entertaining, or extra storage needs. Inside, you’ll find an easy-to-maintain layout with no carpet and neutral finishes. The home offers comfortable living space with plenty of natural light. The seller is offering to install a new roof with an acceptable offer. Conveniently located just minutes from downtown Pensacola, shopping, restaurants, and recreational spots like the Roger Scott Athletic Complex and Bayview Park. Zoned for Sherwood Elementary, Warrington Middle, and Escambia High School. Easy access to I-110 and just a short drive to Pensacola Beach or NAS. Great opportunity for first-time buyers, downsizers, or investors looking for a solid home with room to grow. Schedule your showing today!

24. 2025-08-22
    price $169,000 1067-char remark

    Show marketing remark (1067 chars)

    **Approved Short Sale – Cash Buyers Only** Don’t miss this well maintained 3 bedroom, 1 bath home situated on a spacious ¼ acre lot in central Pensacola. Offering a blend of functionality and outdoor living, this property features a massive garage, a covered outdoor patio, and a separate storage shed—perfect for hobbies, entertaining, or extra storage needs. Inside, you’ll find an easy-to-maintain layout with no carpet and neutral finishes. The home offers comfortable living space with plenty of natural light. The seller is offering to install a new roof with an acceptable offer. Conveniently located just minutes from downtown Pensacola, shopping, restaurants, and recreational spots like the Roger Scott Athletic Complex and Bayview Park. Zoned for Sherwood Elementary, Warrington Middle, and Escambia High School. Easy access to I-110 and just a short drive to Pensacola Beach or NAS. Great opportunity for first-time buyers, downsizers, or investors looking for a solid home with room to grow. Schedule your showing today!

25. 2025-08-11
    price $172,000 1067-char remark

    Show marketing remark (1067 chars)

    **Approved Short Sale – Cash Buyers Only** Don’t miss this well maintained 3 bedroom, 1 bath home situated on a spacious ¼ acre lot in central Pensacola. Offering a blend of functionality and outdoor living, this property features a massive garage, a covered outdoor patio, and a separate storage shed—perfect for hobbies, entertaining, or extra storage needs. Inside, you’ll find an easy-to-maintain layout with no carpet and neutral finishes. The home offers comfortable living space with plenty of natural light. The seller is offering to install a new roof with an acceptable offer. Conveniently located just minutes from downtown Pensacola, shopping, restaurants, and recreational spots like the Roger Scott Athletic Complex and Bayview Park. Zoned for Sherwood Elementary, Warrington Middle, and Escambia High School. Easy access to I-110 and just a short drive to Pensacola Beach or NAS. Great opportunity for first-time buyers, downsizers, or investors looking for a solid home with room to grow. Schedule your showing today!

26. 2025-05-03
    listed $175,000 Active 1067-char remark

    Show marketing remark (1067 chars)

    **Approved Short Sale – Cash Buyers Only** Don’t miss this well maintained 3 bedroom, 1 bath home situated on a spacious ¼ acre lot in central Pensacola. Offering a blend of functionality and outdoor living, this property features a massive garage, a covered outdoor patio, and a separate storage shed—perfect for hobbies, entertaining, or extra storage needs. Inside, you’ll find an easy-to-maintain layout with no carpet and neutral finishes. The home offers comfortable living space with plenty of natural light. The seller is offering to install a new roof with an acceptable offer. Conveniently located just minutes from downtown Pensacola, shopping, restaurants, and recreational spots like the Roger Scott Athletic Complex and Bayview Park. Zoned for Sherwood Elementary, Warrington Middle, and Escambia High School. Easy access to I-110 and just a short drive to Pensacola Beach or NAS. Great opportunity for first-time buyers, downsizers, or investors looking for a solid home with room to grow. Schedule your showing today!

27. 2022-09-06
    soldstatus $150,000
28. 2019-08-05
    soldstatus $76,000
29. 2019-07-31
    soldstatus $76,000 648-char remark

    Show marketing remark (648 chars)

    Deep cleaned from floor to ceiling, this great starter home is ready for a new owner. Relax in your den this winter near the fireplace, sip lemonade this summer on the front porch, or water plants in the tiled sitting room. This 3/1 offers a kitchen/dining combo, carport and garage, fenced yard, shady trees and a detached screened porch that could be turned into a tiki-bar or party pavilion. New paint inside. Copper wiring. New A/C and hot water heater in 2015. Roof is only 9 years old. New kitchen appliances in 2014. New drain field in 2018. Home warranty and $750 carpet allowance with full price offer. Call today to schedule a showing.

30. 2019-06-29
    listed $74,900 648-char remark

    Show marketing remark (648 chars)

    Deep cleaned from floor to ceiling, this great starter home is ready for a new owner. Relax in your den this winter near the fireplace, sip lemonade this summer on the front porch, or water plants in the tiled sitting room. This 3/1 offers a kitchen/dining combo, carport and garage, fenced yard, shady trees and a detached screened porch that could be turned into a tiki-bar or party pavilion. New paint inside. Copper wiring. New A/C and hot water heater in 2015. Roof is only 9 years old. New kitchen appliances in 2014. New drain field in 2018. Home warranty and $750 carpet allowance with full price offer. Call today to schedule a showing.

31. 2014-04-15
    soldstatus $45,000
32. 2014-04-10
    soldstatus $45,000
33. 2013-08-14
    listed $49,900

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

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $1,994 · $166/mo
• Projected year-2 tax: $1,994 · $166/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 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: $19,218
• − Mortgage interest: −$7,842
• − Property taxes: −$1,994
• − Insurance: −$700
• − Repairs & maintenance: −$1,537
• − Management: −$1,537
• − Depreciation: −$4,073
• Taxable income: $1,534
• Est. tax owed @ 24.0%: −$368
• After-tax cash flow: $3,310/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): 27,877
• Household income: $44,783
• Rent vs Own: 47.7% rent · 52.3% own
• Severe rent burden: 1458.0

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 0.66)
• Race & ethnicity: Black 48% White 32% Hispanic / Latino 11% Two or more races 9% Asian 2%
• Hispanic origin (detail): Mexican 5% Cuban 2%
• Common ancestry: Slovak 2% Italian 1% Serbian 1%
• Foreign-born: 9% · Canada, Vietnam
• Languages at home: 87% English-only · Spanish 9% Other Indo-European 1% Vietnamese 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: ▼ -74.10%
• Current HPI: 205.45
• Rent YoY: ▲ 4.92%
• 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

+180.6% since first listed

20 events — show timeline

• 2026-04-09 Price Changed $140,000 PARMLS
• 2026-02-28 Price Changed $162,500 PARMLS
• 2026-01-26 Price Changed $165,000 PARMLS
• 2026-01-25 Relisted — PARMLS
• 2025-12-09 Contingent — PARMLS
• 2025-12-02 Listing Removed — PARMLS
• 2025-11-03 Contingent — PARMLS
• 2025-09-26 Price Changed $160,000 PARMLS
• 2025-09-05 Price Changed $162,500 PARMLS
• 2025-08-26 Price Changed $165,000 PARMLS
• 2025-08-22 Price Changed $169,000 PARMLS
• 2025-08-11 Price Changed $172,000 PARMLS
• 2025-05-03 Listed $175,000 PARMLS
• 2022-09-06 Sold (Public Records) $150,000 Public Records
• 2019-08-05 Sold (Public Records) $76,000 Public Records
• 2019-07-31 Sold (MLS) $76,000 PARMLS
• 2019-06-29 Listed $74,900 PARMLS
• 2014-04-15 Sold (Public Records) $45,000 Public Records
• 2014-04-10 Sold (MLS) $45,000 PARMLS
• 2013-08-14 Listed $49,900 PARMLS

Property tax history

+11.4%/yr

Latest (2025): $1,994 · +13.7% YoY. Source: county tax records.