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1620 E Lloyd St, Pensacola, FL, 32503

2beds
2baths
1,489sqft
$385,000
$259price/sqft
$3,351/moest. monthly cost
$134,040/yrincome needed

About This Home

Located in the heart of East Hill! Located just 4 blocks away from Bayview Park in Pensacola, this craftsman cottage boasts 2 spacious bedrooms and 2 full baths. In the front of the home you will find a covered carport with additional parking for guests. The front enclosed porch serves as your entrance to the main door of the home. Upon entering the formal living room you will find a gas fireplace. The formal dining room has a built-in glass hutch. The galley kitchen has an additional breakfast nook. The kitchen appliances include a gas stove / cooktop with built-in microwave and a stainless refrigerator. The master bedroom has a spacious walk-in closet and convenient to the laundry area. In the back of the home you will find a large barn storage building with power. The steel roof was installed in 2020 and the new AC/Heat Pump was installed in 2023. This home is convenient to local shopping, downtown Pensacola and just a short 15 minute drive to Pensacola Beach.

Getting Around

38
WalkingCar-Dependent
18
TransitMinimal Transit
55
BikeBikeable

Schools

1/10
4/10
4/10
Pensacola High SchoolGrades 9-121.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1928

Materials

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

Type & Style

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

Interior

Appliances

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

Bathroom

  • Level: First
  • Area: 30

Bedroom

  • Level: First
  • Area: 132

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Area: 108

Features

  • Bookcases,Ceiling Fan(s),Crown Molding
  • Door features: Insulated Doors
  • Window features: Blinds,Drapes
  • Flooring: Vinyl,Carpet
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump,Ceiling Fan(s)

Interior Area

  • Total structure area: 1,489
  • Total interior livable area: 1,489 sqft

Kitchen

  • Level: First
  • Area: 162

Living Room

  • Level: First
  • Area: 312

Master Bedroom

  • Level: First
  • Area: 132

Property

Accessibility

  • Accessibility features: Interior Handicap Provision

Details

  • Parcel number: 000s009025013169
  • Zoning description: City,Res Single

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Deck,Covered Deck
  • Fencing: Partial

Lot

  • Lot size: 7,061 sqft
  • Features: Central Access

Parking

  • Total spaces: 2
  • Parking features: Carport,2 Space/Unit
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Cold Wave
Heat Wave
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 $1,946$23,352
Home Insurance *$987$11,844
Property Taxes $221$2,652
Electricity $197$2,366
Total$3,351$40,212
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$114,891/yr
40% on housing$100,530/yr
45% on housing$89,360/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

$259This 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)

No zestimate history available

Price History

DateEventPrice
2025-05-09Price change$395,000
2025-01-27Price change$406,900
2024-07-28Listed for sale$419,900

For Sale by Agent

AgentStephen Larcher
BrokerageLevin Rinke Realty

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