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8513 Ryan Ave, Pensacola, FL, 32534

4beds
1baths
1,234sqft
$175,000
$142price/sqft
$1,416/moest. monthly cost
$56,640/yrincome needed

About This Home

Charming single-family home located in Pensacola with HDMU (High Density Mixed Use) zoning, offering exceptional flexibility for homeowners and investors alike. This one-story residence features a covered front porch, classic cottage-style architecture, and a functional layout with natural light throughout. The property sits on a level lot with a side driveway and ample outdoor space, making it ideal for owner-occupants, rental use, or future redevelopment potential. HDMU zoning allows for a wide range of residential and mixed-use possibilities (buyer to verify intended use with local authorities). Conveniently located near major roadways, shopping, dining, and everyday amenities, with easy access to downtown Pensacola and surrounding areas. A great opportunity for those seeking a property with both current livability and long-term upside. Please submit all offers on FL AS IS contract.

Getting Around

37
WalkingCar-Dependent
24
TransitMinimal Transit
34
BikeSomewhat Bikeable

Schools

3/10
4/10
Beulah Middle SchoolGrades 6-86.7 mi
2/10
Pine Forest High SchoolGrades 9-122.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1941

Materials

  • Foundation: Off Grade
  • Roof: Composition
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Tankless Water Heater,Dishwasher,ENERGY STAR Qualified Dishwasher,ENERGY STAR Qualified Appliances

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Carpet

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,234
  • Total interior livable area: 1,234 sqft

Kitchen

  • Level: First
  • Area: 120

Master Bedroom

  • Level: First
  • Area: 128

Property

Details

  • Parcel number: 111s301901001061
  • Zoning description: County
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Porch

Lot

  • Lot size: 6,969 sqft
  • Features: Corner Lot

Parking

  • Total spaces: 2
  • 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
    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 $884$10,608
Home Insurance *$118$1,416
Property Taxes $217$2,604
Electricity $197$2,366
Total$1,416$16,992
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$48,548/yr
40% on housing$42,480/yr
45% on housing$37,760/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

$142This listing

vs Other Active Listings

Avg $/sqft

ZIP 32534$127
Escambia County$204

vs Homes Sold Last Month

Median $/sqft

ZIP 32534$157
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
2026-04-30Price change$175,000
2025-12-28Listed for sale$189,900
2023-01-20Sold$65,000
2023-01-11Pending sale$90,000
2022-12-24Listing removed--
2022-12-16Listed for sale$90,000
2022-12-08Contingent$90,000
2022-11-03Price change$90,000
2022-09-07Price change$99,900
2022-08-16Price change$105,000
2022-07-23Listed for sale$110,000
2022-07-11Listing removed--
2022-06-24Listed for sale$110,000
2016-07-05Sold$29,000
2016-04-28Listed for sale$35,000
2015-10-02Listing removed$45,000
2014-10-03Listed for sale$45,000
2012-12-06Listing removed$495
2012-12-02Price change$495
2012-10-12Price change$595
2012-09-29Listed for rent$625
2006-04-26Sold$64,900

For Sale by Agent

AgentJermaine Dowdell
BrokerageEXP Realty, LLC

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