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3100 E Lloyd St, Pensacola, FL, 32503

4beds
2baths
2,451sqft
$584,900
$239price/sqft
$4,726/moest. monthly cost
$189,040/yrincome needed

About This Home

OPEN HOUSE SATURDAY, August 8th 11am-1pm. Welcome to this exquisitely remodeled 2,451-square-foot entertainer’s dream in the highly sought-after East Pensacola Heights. Boasting three bedrooms and two bathrooms, the expansive open-concept floor plan features durable luxury vinyl plank flooring and seamlessly connects the sprawling living and dining areas. The chef-inspired kitchen serves as the heart of the home with custom cream cabinetry, stunning quartz countertops, stainless steel appliances, and a large walk-in pantry. A versatile bonus room leads to the luxurious primary suite, which offers a private lounge area, a walk-in closet, and a beautifully updated en-suite bathroom with double sinks. Step outside to a privately fenced backyard designed for gatherings, complete with a relaxing patio, an outdoor fireplace, a storage shed, and a rare on-site hurricane shelter. This turnkey property provides incredible peace of mind and energy efficiency with fully paid-off solar panels, a 2019 roof, a tankless gas water heater, and brand-new windows. Hosting is effortless with a generous extra-large driveway capable of accommodating up to four vehicles. Adding to the immense value of this location, a new DR Horton home is being built on the adjacent lot, signaling rapid neighborhood growth and offering an excellent long-term investment opportunity.

Getting Around

60
WalkingSomewhat Walkable
0
TransitNo Nearby Transit
58
BikeBikeable

Schools

7/10
4/10
3/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1918

Materials

  • Foundation: Off Grade,Slab
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater,Tankless Water Heater/Gas,Dishwasher,Microwave,Refrigerator

Bathroom

  • Level: First

Bedroom

  • Level: First

Bedroom1

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Window features: Shutters
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 2,451
  • Total interior livable area: 2,451 sqft

Kitchen

  • Level: First
  • Area: 0

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 052s295905001056
  • Zoning description: Res Single

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Patio,Porch
  • Exterior features: Fire Pit
  • Fencing: Full,Privacy

Lot

  • Lot size: 0.34 Acres

Parking

  • Total spaces: 4
  • Parking features: Driveway
  • 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
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
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 $2,957$35,484
Home Insurance *$1,500$18,000
Property Taxes $23$276
Electricity $246$2,959
Total$4,726$56,712
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$162,034/yr
40% on housing$141,780/yr
45% on housing$126,026/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

$239This listing

vs Other Active Listings

Avg $/sqft

ZIP 32503$180
Escambia County$204

vs Homes Sold Last Month

Median $/sqft

ZIP 32503$187
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
2026-08-13Price change$559,900
2026-08-04Price change$574,900
2026-07-16Price change$584,900
2026-07-03Price change$600,000
2026-06-25Price change$609,900
2026-06-06Listed for sale$624,900
2025-11-19Sold$291,752
2025-10-17Contingent$375,000
2025-09-24Price change$375,000
2025-08-29Listed for sale$395,000
2025-02-21Listing removed$464,999
2024-09-13Price change$464,999
2024-07-15Price change$475,000
2024-06-09Price change$489,900
2024-04-25Listed for sale$495,000
2015-05-19Sold$195,800
2015-03-30Listed for sale$194,500
2015-02-26Listing removed$194,500
2014-11-19Price change$194,500
2014-10-23Price change$199,500
2014-10-14Price change$204,500
2014-10-03Price change$209,500
2014-09-24Price change$214,500
2014-09-12Price change$219,500
2014-07-17Price change$225,500
2014-02-27Listed for sale$227,500
1999-08-02Sold$100,000
1997-06-03Sold$82,500

For Sale by Agent

AgentRheanna Parent
BrokerageKELLER WILLIAMS REALTY GULF COAST

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