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Harrison Lilly

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

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521 Desert Oak Dr , Pensacola, FL 32514
$299,990
Est. Payment: $1,521.49/mo
3 Bed
2 Bath
1566 Sqft
Status: active with contingency | Days on site: 28
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Move-in ready and packed with updates! Located in the desirable Charter Oaks subdivision with NO HOA, this beautifully refreshed 3-bedroom, 2-bath home offers the perfect blend of comfort, style, and value—all for under $300,000! Stepping inside you will feel the inviting open layout that creates a seamless flow between the kitchen and living area while still providing each space its own definition. Retreat to the spacious primary suite, complete with a beautifully tiled walk-in shower, double vanity, and separate his-and-her closets. The generously sized guest bedrooms offer comfort and flexibility for family, guests, or additional workspace. The sliding glass door leads to the fenced backyard, creating the perfect setup for entertaining, pets, or simply enjoying the quiet outdoors. All the major updates already completed, you can move in with confidence and enjoy the peace of mind that comes with a home requiring minimal maintenance. Conveniently located near UWF, hospitals, shopping, dining, and I-10, this home delivers the ideal combination of location, quality, and affordability. Schedule your private showing today!

Highlights

Listed by Ace Khan , 850-432-5300 and Beau Smith , 561-309-3190 Levin Rinke Realty , 850-916-5050. Pensacola Association of REALTORS®, Inc.

Property Type

Residential

Lot/Acreage
0.14

Year Built

1997

County

Escambia - Fl

Neighborhood

Charter Oaks

Listing ID

686304

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Water Heater, Built In Microwave, Dishwasher, Disposal, Microwave, Refrigerator, Self Cleaning Oven
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Laminate,Simulated Wood
Other:
  • Additional:Baseboards, Ceiling Fan(s), High Ceilings, High Speed Internet, Vaulted Ceiling(s), Master on Main
Water:Public

Exterior Features

Lot:Interior Lot
Garage Capacity:2
Zoning:Res Single
Roof:Shingle
Others:
  • Additional:Resale
Sewer:Public Sewer
Parking Features:2 Car Garage,Garage Door Opener
Principal Interest
$1,521
Taxes
$191

Home Price

$299,990

Loan Details

30 yrs
6.529%

Down Payment

20%
$59,998
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:
$1,521.49

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,521.49 $191.24 $0.00 $1,712.74
Yearly $18,257.91 $2,294.92 $0.00 $20,552.84
Total $547,737.36 $68,847.71 $0.00 $616,585.07

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

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