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6102 The Oaks Ln, Pensacola, FL, 32504

3beds
2baths
1,189sqft
$229,000
$193price/sqft
$1,907/moest. monthly cost
$76,280/yrincome needed

About This Home

Modern updates, timeless style, and everyday comfort come together in one beautifully renovated home. This move-in-ready 3-bedroom, 2-bathroom residence has been thoughtfully updated from top to bottom, offering peace of mind and the fresh feel of a home that's ready for its next owner. Step inside and you'll immediately notice the abundance of natural light pouring through the windows, creating a bright and inviting atmosphere throughout the open living spaces. The spacious living room is anchored by a cozy fireplace, making it the perfect place to relax or entertain family and friends. The fully renovated kitchen is designed to impress with brand-new appliances, elegant granite countertops, new cabinetry, a deep stainless-steel sink, and plenty of workspace for preparing meals. Every detail has been carefully selected to blend style with functionality. Throughout the home you'll find new flooring, contemporary finishes, and eye-catching modern light fixtures featuring a unique airplane propeller-inspired design that adds character and sophistication. Both bathrooms have been completely renovated with new vanities, mirrors, fixtures, and updated finishes, creating fresh, spa-like spaces you'll love. Major system updates provide added confidence, including a brand-new roof and new water heater, allowing you to move in without worrying about costly repairs. The attached one-car garage offers convenience and additional storage, while the covered back porch provides the perfect spot to enjoy your morning coffee, unwind after a long day, or entertain guests outdoors. Located in a desirable Pensacola neighborhood just minutes from shopping, dining, medical facilities, schools, and major roadways, this home offers both comfort and convenience in an ideal location. The combination of quality renovations, stylish finishes, and functional layout makes this property an except

Getting Around

62
WalkingSomewhat Walkable
17
TransitMinimal Transit
46
BikeSomewhat Bikeable

Schools

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

Construction

Condition

  • Property condition: Resale
  • Year built: 1999

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Bedroom

  • Level: First
  • Area: 100

Bedroom1

  • Level: First
  • Area: 100

Bedrooms & Bathrooms

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

Features

  • Flooring: Tile,Vinyl,Carpet

Heating & Cooling

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

Interior Area

  • Total structure area: 1,189
  • Total interior livable area: 1,189 sqft

Master Bedroom

  • Level: First
  • Area: 120

Property

Details

  • Parcel number: 101s295000000002
  • Zoning description: Mixed Residential Subdiv,Res Multi,Res Single
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 4,020 sqft
  • Features: Interior Lot

Parking

  • Total spaces: 1
  • Parking features: Garage,2 Space/Unit
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered 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
    HurricaneVery High
  • Lightning
    LightningVery 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 $1,157$13,884
Home Insurance *$521$6,252
Property Taxes $32$384
Electricity $197$2,366
Total$1,907$22,884
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,382/yr
40% on housing$57,210/yr
45% on housing$50,853/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

$193This listing

vs Other Active Listings

Avg $/sqft

ZIP 32504$138
Escambia County$204

vs Homes Sold Last Month

Median $/sqft

ZIP 32504$179
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
2026-08-11Price change$225,000
2026-08-02Listed for sale$229,000
2026-06-03Sold$127,500
2003-07-08Sold$92,000
2001-05-09Sold$84,900
2000-07-14Sold$65,600

For Sale by Agent

AgentJohn Cho
BrokerageVoyage Real Estate LLC

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