400 E Lloyd St, Pensacola, FL, 32503
About This Home
A charming cottage, that is practically brand new, thoughtfully reimagined for simple, stylish living or for your Airbnb portfolio! This fully gutted and custom remodeled 2 bedroom, 2 bath home blends classic character with modern efficiency, ideal for those looking to downsize without sacrificing quality or for professionals who want a stylish, low maintenance home close to it all. Taken down to the studs and thoughtfully rebuilt, this property features a brand-new roof, HVAC, plumbing, electrical, siding, flooring, windows, wall and ceiling insulation, and new bathrooms offering the character of a classic home with the confidence of modern systems. Located in a rapidly developing area and down the street from the future Hollice T. Williams Park, this home offers strong potential for future appreciation and immediate income as a STR. Just a quick bike ride to downtown, around the corner from highway access, and minutes from Publix, enjoy all the dining, shopping, and entertainment East Hill and downtown has to offer. .
Getting Around
Somewhat Walkable
Some Transit
Very BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1908
Materials
- Foundation: Pillar/Post/Pier
- Roof: Shingle
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Water Heater
Bedroom
- Level: First
- Area: 139.65
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Flooring: Hardwood,Tile
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 888
- Total interior livable area: 888 sqft
Kitchen
- Level: Second
- Area: 180
Master Bedroom
- Level: First
- Area: 163.59
Property
Details
- Parcel number: 000s009020001039
- Zoning description: City
Features
- Levels: One
- Stories: 1
- Pool features: None
- Patio & porch: Deck
- Fencing: Privacy
Lot
- Lot size: 5,662 sqft
- Features: Corner Lot
Parking
- 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
- Lightning
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Escambia County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,461 | $17,532 |
| Home Insurance * | $741 | $8,892 |
| Property Taxes | $151 | $1,812 |
| Electricity | $197 | $2,366 |
| Total | $2,550 | $30,600 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-02 | Listed for sale | $289,000 |
View on Zillow