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648 Mozingo Ln, Pensacola, FL, 32514

3beds
2baths
1,611sqft
$294,999
$183price/sqft
$2,249/moest. monthly cost
$89,960/yrincome needed

About This Home

Welcome to 648 Monzingo Ln a beautifully maintained 3-bedroom, 2-bath brick home offering 1,611 square feet of comfortable living space in a quiet Pensacola neighborhood. From the moment you step into the inviting foyer, you’ll appreciate the thoughtful layout designed for both everyday living and entertaining. The spacious living area flows seamlessly into a well-appointed kitchen featuring stainless steel appliances, stained cabinetry, a convenient breakfast bar, and both a walk-in and butler’s pantry, providing ample storage and prep space for home chefs. The primary suite offers a relaxing retreat with a large walk-in closet and an en-suite bathroom complete with double vanities, a garden tub, and a separate shower. Two additional bedrooms and a full bath provide flexibility for guests, family, or a home office. Step outside to enjoy Florida living in the fully fenced backyard, featuring an oversized deck and patio—perfect for outdoor dining, entertaining, or simply unwinding in your private outdoor space. A two-car garage and spacious laundry room add to the home’s everyday convenience.This home combines comfort, functionality, and charm in a desirable location close to shopping, dining, and local schools—making it an excellent opportunity for homeowners seeking move-in-ready living in Pensacola.

Getting Around

22
WalkingCar-Dependent
15
TransitMinimal Transit
40
BikeSomewhat Bikeable

Schools

2/10
Ensley Elementary SchoolGrades PK-50.9 mi
4/10
Ferry Pass Middle SchoolGrades 6-83.2 mi
2/10
Pine Forest High SchoolGrades 9-124.0 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2012

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater

Bedroom

  • Level: First
  • Area: 110.25

Bedroom1

  • Level: First
  • Area: 110.25

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Area: 130.3333

Features

  • Window features: Double Pane Windows
  • Flooring: Laminate

Heating & Cooling

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

Interior Area

  • Total structure area: 1,611
  • Total interior livable area: 1,611 sqft

Master Bedroom

  • Level: First
  • Area: 319.3056

Property

Details

  • Parcel number: 121s301007040003
  • Zoning description: Res Single

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Fencing: Back Yard

Lot

  • Lot size: 4,900 sqft

Parking

  • Total spaces: 2
  • Parking features: 2 Car Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Heat Wave
    Heat WaveRelatively High
  • Cold Wave
    Cold WaveModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Heat Wave
Cold Wave
Winter Weather
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 $1,491$17,892
Home Insurance *$387$4,644
Property Taxes $174$2,088
Electricity $197$2,366
Total$2,249$26,988
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,108/yr
40% on housing$67,470/yr
45% on housing$59,973/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

$183This listing

vs Other Active Listings

Avg $/sqft

ZIP 32514$147
Escambia County$204

vs Homes Sold Last Month

Median $/sqft

ZIP 32514$169
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
2026-04-07Price change$295,000
2026-03-20Listed for sale$299,000
2025-03-21Listing removed$1,950
2025-02-28Listed for rent$1,950
2019-06-18Sold$192,000
2019-03-23Listed for sale$197,900
2012-04-27Sold$137,500
2011-11-18Listed for sale$137,500

For Sale by Agent

AgentShelby Tudor
BrokerageTEAM SANDY BLANTON REALTY, INC

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