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9445 Scenic Hwy, Pensacola, FL, 32514

3beds
3baths
3,586sqft
$599,000
$167price/sqft
$4,817/moest. monthly cost
$192,680/yrincome needed

About This Home

This distinctive stone-clad home offers a spacious, multi-functional layout with unique architectural character and expansive outdoor space. The interior features a dramatic vaulted living room with wood-paneled ceilings, chandeliers, and generous natural light from wide window walls. An open-concept connection to the kitchen includes a bar-height counter, perfect for casual dining or entertaining. The tiled foyer welcomes with glass block accents and a floating staircase leading to the upper level. Multiple bedrooms and bonus rooms offer flexible use, while the central hallway connects living spaces efficiently. Interior finishes include stone-look tile flooring throughout and decorative touches like built-in cabinetry, vintage chandeliers, and lace-draped windows. Outdoors, the home is surrounded by mature trees, landscaped garden beds with red brick accents, and multiple patios and pathways offering both charm and privacy. A detached garage with stone exterior and side entry enhances functionality, while a long driveway provides ample parking. The property also includes a detached ADU that works perfectly as a mother-in-law suite, guest house, or private retreat. This versatile space provides separation and privacy while remaining conveniently located on the property an excellent option for multi-generational living or extended stays. This home presents a unique blend of space, craftsmanship, and setting, ideal for a buyer seeking personality and potential.

Getting Around

14
WalkingCar-Dependent
13
TransitMinimal Transit
23
BikeSomewhat Bikeable

Schools

7/10
4/10
Ferry Pass Middle SchoolGrades 6-81.4 mi
3/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1985

Materials

  • Foundation: Off Grade,Slab
  • Roof: Composition
  • Construction materials: Concrete,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Bedroom

  • Level: First
  • Area: 156

Bedroom1

  • Level: First
  • Area: 156

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Flooring: Tile,Simulated Wood

Heating & Cooling

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

Interior Area

  • Total structure area: 2,340
  • Total interior livable area: 3,586 sqft

Kitchen

  • Level: First
  • Area: 110

Master Bedroom

  • Level: Second
  • Area: 304

Property

Details

  • Parcel number: 021s293100000014
  • Zoning description: Res Multi

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: In Ground
  • Has view: Yes
  • View description: Bay,Water
  • Has water view: Yes
  • Water view: Bay, Water

Lot

  • Lot size: 0.93 Acres
  • Lot size dimensions: 100 x 400

Parking

  • Total spaces: 2
  • Parking features: 2 Car Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal 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 $3,028$36,336
Home Insurance *$787$9,444
Property Taxes $642$7,704
Electricity $360$4,330
Total$4,817$57,804
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$165,154/yr
40% on housing$144,510/yr
45% on housing$128,453/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

$167This listing

vs Other Active Listings

Avg $/sqft

ZIP 32514$146
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)

Price History

DateEventPrice
2026-02-01Listed for sale$599,000
2020-09-14Sold$550,000
2020-01-20Listed for sale$550,000
2017-01-22Listing removed$1,000,000
2016-09-29Listed for sale$1,000,000
2016-05-22Listing removed$1,000,000
2015-05-29Listed for sale$1,000,000

For Sale by Agent

AgentWalter Pierce
BrokerageLevin Rinke Realty

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