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8169 Heirloom Dr, Pensacola, FL, 32514

2beds
1baths
864sqft
$169,900
$197price/sqft
$1,368/moest. monthly cost
$54,720/yrincome needed

About This Home

Welcome to this charming 2-bedroom, 1-bath townhouse-style cottage located in Windship Cove off Olive Road in Pensacola! Freshly painted and move-in ready, this home offers a bright, clean feel with thoughtful updates throughout. The kitchen features newer stainless steel appliances, while the main living areas showcase new vinyl wood-look flooring for easy maintenance and modern appeal. Enjoy updated ceiling fans and a refreshed bathroom featuring a professionally re-glazed tub and updated fixtures for a crisp, fresh look. Neat, clean, and conveniently located near shopping, dining, hospitals, and major thoroughfares, this low-maintenance home is ideal for a first-time buyer, downsizer, or investor. HOA is responsible for roof.

Getting Around

14
WalkingCar-Dependent
20
TransitMinimal Transit
34
BikeSomewhat Bikeable

Schools

2/10
Ensley Elementary SchoolGrades PK-50.9 mi
4/10
Ferry Pass Middle SchoolGrades 6-82.3 mi
2/10
Pine Forest High SchoolGrades 9-123.9 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2002

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

  • Home type: Townhouse
  • Architectural style: Cottage
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Electric Water Heater,Built In Microwave,Dishwasher,Refrigerator
  • Laundry features: Inside,W/D Hookups

Bedroom

  • Level: First
  • Area: 140.625

Bedroom1

  • Level: First
  • Area: 81.125

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Baseboards,Cathedral Ceiling(s),Ceiling Fan(s)
  • Window features: Some Blinds
  • Flooring: Vinyl,Simulated Wood

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 864
  • Total interior livable area: 864 sqft

Kitchen

  • Level: First
  • Area: 165

Property

Details

  • Parcel number: 201s302600110003
  • Attached to another structure: Yes
  • Zoning description: Res Single

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Porch
  • Fencing: Back Yard
  • Frontage length: Water Frontage(0)

Lot

  • Lot size: 2,143 sqft
  • Features: Central Access,Cul-De-Sac
  • Lot size dimensions: 89.2x24.1

Parking

  • Parking features: 2 Space/Unit,Driveway,Front Entrance
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Heat Wave
    Heat WaveRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Heat Wave
Cold Wave
Inland Flooding
Winter Weather
Tsunami

FEMA Declared Disasters in Escambia County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $859$10,308
Home Insurance *$223$2,676
Property Taxes $89$1,068
Electricity $197$2,366
Total$1,368$16,416
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$46,902/yr
40% on housing$41,040/yr
45% on housing$36,480/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 14.1%
14.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.1%
3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$197This listing

vs Other Active Listings

Avg $/sqft

ZIP 32514$149
Escambia County$204

vs Homes Sold Last Month

Median $/sqft

ZIP 32514$169
Escambia County$168

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-07-22Price change$169,900
2026-06-09Listed for sale$173,500

For Sale by Agent

AgentJennifer Cobb, Llc
BrokerageBerkshire Hathaway Home Services PenFed Realty

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