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6292 Cardinal Cove Ln, Pensacola, FL, 32504

3beds
2baths
1,350sqft
$265,000
$196price/sqft
$2,277/moest. monthly cost
$91,080/yrincome needed

About This Home

Beautifully maintained LIKE-NEW 2022 home featuring 3 bedrooms and 2 bathrooms with upgrades that go well beyond standard builder-grade finishes. From the moment you walk in, you’ll notice the elevated feel created by high quality Pergo flooring throughout the main living areas, paired with a fresh, modern paint palette that makes the home feel bright, clean, and inviting. The open concept layout is ideal for both everyday living and entertaining, anchored by a spacious living room with vaulted ceilings, recessed lighting, and an abundance of natural light. The kitchen features stainless steel appliances and flows seamlessly into the main living space, making it easy to stay connected while hosting or relaxing. The primary suite offers coffered ceilings and a private bath, while the additional bedrooms are comfortably sized and share a well-appointed hallway bathroom. Out back, the fully fenced yard provides plenty of room for kids, pets, or entertaining, along with a storage shed for added convenience. Additional upgrades include an enhanced grinder pump, gutters, and improved drainage, truly offering added peace of mind. The solar system (to be assumed) adds REAL energy efficiency with a current monthly payment of $116 plus a $30 meter fee, helping reduce overall utility costs. With low HOA dues, thoughtful upgrades throughout, and a location that balances convenience and privacy, this home stands out as a true move-in ready opportunity right in the heart of Pensacola, FL

Getting Around

11
WalkingCar-Dependent
15
TransitMinimal Transit
21
BikeSomewhat Bikeable

Schools

4/10
Ferry Pass Middle SchoolGrades 6-82.3 mi
3/10

Construction

Condition

  • Property condition: Resale
  • Year built: 2022

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater,Dishwasher,Disposal,Microwave,Refrigerator,Self Cleaning Oven
  • Laundry features: Inside,W/D Hookups

Bathroom

  • Level: First
  • Area: 40

Bedroom

  • Level: First
  • Area: 126.5

Bedroom1

  • Level: First
  • Area: 120.75

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Area: 102

Features

  • Ceiling Fan(s),High Ceilings,High Speed Internet,Recessed Lighting
  • Door features: Insulated Doors
  • Window features: Blinds,Shutters
  • Flooring: Carpet,Laminate

Heating & Cooling

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

Interior Area

  • Total structure area: 1,350
  • Total interior livable area: 1,350 sqft

Master Bedroom

  • Level: First
  • Area: 156

Property

Details

  • Parcel number: 291s301104002002
  • Zoning description: City

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Patio
  • Exterior features: Rain Gutters
  • Fencing: Back Yard,Privacy

Lot

  • Lot size: 4,356 sqft
  • Features: Interior Lot

Parking

  • Parking features: 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
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Cold Wave
Heat Wave
Inland Flooding
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 $1,339$16,068
Home Insurance *$602$7,224
Property Taxes $139$1,668
Electricity $197$2,366
Total$2,277$27,324
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,068/yr
40% on housing$68,310/yr
45% on housing$60,720/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

$196This listing

vs Other Active Listings

Avg $/sqft

ZIP 32504$138
Escambia County$204

vs Homes Sold Last Month

Median $/sqft

ZIP 32504$179
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)

Price History

DateEventPrice
2026-04-05Price change$269,900
2026-03-23Listed for sale$275,000
2022-04-27Sold$254,900
2021-12-13Listed for sale$254,900

For Sale by Agent

AgentAce Khan
BrokerageLevin Rinke Realty

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