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Harrison Lilly

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

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400 N Palafox St , Pensacola, FL 32501
$899,990
Est. Payment: $4,564.58/mo
4 Bed
3 Bath
2361 Sqft
Status: active with contingency | Days on site: 110
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Right in the heart of downtown Pensacola, this one puts you exactly where you want to be. Step outside and you’re just moments from local dining, nightlife, galleries, and waterfront strolls. It’s the kind of location where weekends plan themselves and everything feels within reach. This custom-built home was thoughtfully designed by the owner to make the most of downtown living, with a front balcony and an upstairs terrace that capture the energy and views of the city. Whether it’s morning coffee above the rooftops or evenings soaking it all in, this home keeps you connected to the best of Pensacola. The layout offers incredible flexibility. Use it as a primary residence, income-producing property, guest-friendly setup, or a mix of all three. With separate living possibilities built in, it easily adapts to your needs. Take the elevator up to the second floor and you’ll find a true highlight: a spacious terrace made for entertaining and unwinding. An outdoor kitchen, bar area, lounge space, and hot tub create your own private retreat in the middle of downtown. Inside, both levels offer generous laundry rooms and ample storage throughout. The fourth bedroom is set up with bunk beds to comfortably host extra guests, making it ideal for visiting friends or short-term stays. An oversized garage adds even more function, complete with a built-in overhead storage deck. If you’ve been looking for a downtown home that blends lifestyle, flexibility, and a fun sense of place, this one stands out in all the right ways.

Highlights

Listed by Christopher Howard , 850-982-4154 ASSIST 2 SELL REAL ESTATE , 850-429-0100. Pensacola Association of REALTORS®, Inc.

Property Type

Residential

Lot/Acreage
0.06

HOA Fee

150 Annually

Year Built

2020

County

Escambia - Fl

Neighborhood

Belmont Tract

Listing ID

681991

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Gas Water Heater, Built In Microwave, Dishwasher, Disposal, Refrigerator
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Tile
Other:
  • Additional:Ceiling Fan(s), Elevator, Recessed Lighting, Master on Main
Water:Public

Exterior Features

Lot:Central Access
Garage Capacity:2
Zoning:City
Roof:Metal
Others:
  • Additional:Resale
Sewer:Public Sewer
Parking Features:2 Car Garage,Garage Door Opener
Principal Interest
$4,565
Taxes
$574
HOA
$150

Home Price

$899,990

Loan Details

30 yrs
6.529%

Down Payment

20%
$179,998
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:
$4,564.58

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,564.58 $573.74 $150.00 $5,288.32
Yearly $54,774.95 $6,884.92 $1,800.00 $63,459.88
Total $1,643,248.61 $206,547.70 $54,000.00 $1,903,796.31

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, 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.