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Harrison Lilly

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

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13909 Del Rio Dr Unit 13909 , Pensacola, FL 32507
$589,900
Est. Payment: $2,991.55/mo
4 Bed
2.5 Bath
1842 Sqft
Status: active | Days on site: 196
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

ALL REASONABLE OFFERS WILL BE CONSIDERED. Banana Bay is a gated waterfront community on Perdido Key-one of the most recognizable properties with brightly colored townhomes that whisk you away to island living. This property is nestled along the intracoastal waterway where you can enjoy the beautiful private white sandy beach. This stunning, blue lapiz 3-bedroom (and bonus room/loft), 2.5-bath, 1 car garage townhome is fully furnished and move in ready. Short, long and vacation rentals are permitted. Built in 2017 using ICF, (superior construction), and a metal roof, this property offers strength, energy efficiency, and storm resistance, advantages for long-term ownership and reduced maintenance costs. The property boasts 2,098 sq ft and the open-concept layout that provides generous living and dining areas for owner occupancy and short or long-term rental use. The spacious kitchen is adjacent to the laundry room and features ample cabinetry and functional workspace, flowing seamlessly into the dining area and the main living area for easy entertaining. The primary suite is located on the main level, enhancing privacy and accessibility, and includes an ensuite bath with double vanity, soaking tub, and separate walk-in shower. Two additional bedrooms, a second full bath, and a versatile loft/bonus area provide flexible accommodations. Plenty of storage throughout the home, including the walk-out attic space, supports beach and boating lifestyles. Banana Bay is a 57-unit gated community offering resort-style amenities. Residents enjoy exclusive access to a private sandy beach along with resort-style amenities including a pool, hot tub, sauna, steam room, fitness center, and clubhouse with a kitchen and gathering space. The low HOA fee of $4,620 per year includes cable, internet, trash service, landscaping, and amenity maintenance. With boating, dining, and sugar-white beaches nearby, easy access to Orange Beach and Pensacola, this is Coastal living at its best.

Highlights

Listed by Gwen Vigon , 310-795-1389 Gwen Vigon Realty LLC , 310-795-1389. Pensacola Association of REALTORS®, Inc.

Property Type

Condo/Townhome

Lot/Acreage
0.06

HOA Fee

4620 Annually

Year Built

2017

County

Escambia - Fl

Neighborhood

Banana Bay

Listing ID

677154

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:2.5
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Water Heater, Dryer, Washer, Built In Microwave, Dishwasher, Disposal, Refrigerator, Self Cleaning Oven
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Tile,Carpet
Other:
  • Additional:Baseboards, Ceiling Fan(s), Master on Main
Water:Public

Exterior Features

Lot:Central Access,Intracoastal Waterway,Beach Access,Deed Access,Natural
Lot Dimensions:28x88
Garage Capacity:2
Zoning:Res Multi
Roof:Metal
Others:
  • Additional:Rain Gutters, Resale
Sewer:Public Sewer
Parking Features:Garage,Front Entrance,Guest,Garage Door Opener
Principal Interest
$2,992
Taxes
$376
HOA
$4,620

Home Price

$589,900

Loan Details

30 yrs
6.528%

Down Payment

20%
$117,980
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:
$2,991.55

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,991.55 $376.06 $4,620.00 $7,987.61
Yearly $35,898.61 $4,512.74 $55,440.00 $95,851.34
Total $1,076,958.27 $135,382.05 $1,663,200.00 $2,875,540.32

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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Market insight data is pulled from the same city as the listing being viewed (Pensacola, 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: 2026-08-20T05:37:29.000Z

© 2026 Pensacola Association of REALTORS®, Inc.