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Harrison Lilly

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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513 Ft Pickens Rd , Pensacola Beach, FL 32561
$1,194,000
Est. Payment: $6,055.74/mo
4 Bed
3 Bath
2804 Sqft
Status: active | Days on site: 58
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Coastal Living at Its Finest on Pensacola Beach! NO CONDO FEES,HOA ONLY $500 PER YEAR! Wake up to breathtaking Gulf and Bay views from this stunning coastal retreat on Fort Pickens Road. Perched high on the Gulf side, this spacious 4-bedroom, 3-bath home is designed for those who love the beach lifestyle. Spend your days strolling the sugar-white sands, swimming in the emerald waters, and watching dolphins play along the shoreline—all just steps away with deeded beach access. After a day at the beach, relax in your private pool or head to the rooftop deck, where panoramic water views create the perfect setting for sunset cocktails, star-filled evenings, and moonlit gatherings. A hot tub connection is already in place, making the rooftop an incredible outdoor oasis. Whether you’re seeking a primary residence, second home, or income-producing vacation property, this home offers the flexibility for both short-term and long-term rentals. Projected Rental Income $100,000-$120,000. Two oversized garages and additional parking provide plenty of room for vehicles, golf carts, and beach gear. Experience the coastal lifestyle you’ve been dreaming of—where every day feels like a vacation on Pensacola Beach.

Highlights

Listed by Charlie Rotenberry , 850-525-9212 ISLAND REALTY OF PENSACOLA BEACH , 850-324-7188. Pensacola Association of REALTORS®, Inc.

Property Type

Residential

Lot/Acreage
0.09

HOA Fee

500 Annually

Year Built

2003

County

Escambia - Fl

Neighborhood

White Sands

Listing ID

684856

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Electric Water Heater, Dishwasher, Disposal, Microwave, Refrigerator, ENERGY STAR Qualified Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Hardwood,Tile
Other:
  • Additional:Storage, Baseboards, Ceiling Fan(s), Crown Molding, High Ceilings
Water:Public

Exterior Features

Lot:Interior Lot
Garage Capacity:4
Zoning:Mixed Residential Subdiv
Roof:Metal
Others:
  • Additional:Resale
Sewer:Public Sewer
Parking Features:Garage
Principal Interest
$6,056
Taxes
$761
HOA
$500

Home Price

$1,194,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$238,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$6,055.74

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $6,055.74 $761.18 $500.00 $7,316.92
Yearly $72,668.91 $9,134.10 $6,000.00 $87,803.01
Total $2,180,067.38 $274,023.00 $180,000.00 $2,634,090.38

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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Market insight data is pulled from the same city as the listing being viewed (Pensacola Beach, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Pensacola Association of REALTORS®, Inc., and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T07:06:24.000Z

© 2026 Pensacola Association of REALTORS®, Inc.