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Harrison Lilly

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

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1522 White Caps Ln , Pensacola, FL 32507
$1,117,000
Est. Payment: $5,665.21/mo
4 Bed
4 Bath
3100 Sqft
Status: active | Days on site: 343
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Experience the best of Pensacola waterfront living at 1522 Whitecaps. This elevated coastal retreat combines modern luxury with storm-resistant construction, making it an ideal choice for both full-time residents and investors searching for a premier Florida coastal real estate investment. Built for safety and peace of mind, this home features three additional feet of elevation, impact-rated windows, and a ground-level elevation three feet above the sea level. Located in the X-flood zone, it offers excellent hurricane resistance and reduced insurance concerns. Inside, you’ll find thoughtful details, including a four-car garage and a dedicated dog-wash station, making this property as practical as it is beautiful. Outdoors, enjoy a shared gated community dock, easy water access for fishing, paddle boarding, and kayaking, plus 2 balconies designed for grilling and entertaining. Both with a view of the water! The location is unmatched. You can walk to golf and tennis, and the prestigious Pensacola Country Club—recognized as one of the top private clubs in Northwest Florida—is right down the street. From championship golf to fine dining, this club offers everything you need to elevate your lifestyle. Whether you’re looking for a primary residence, a vacation home near Pensacola Country Club, or a high-value investment property on the Florida Gulf Coast, 1522 Whitecaps is a rare opportunity. With its hurricane-resistant design, luxury upgraded appliances (subzero and wolf), premium Pensacola location, and waterfront lifestyle amenities, this property delivers everything coastal living should be. The roof system was built to carry a live load and there is room for stairs, a possible roof terrace! You cannot build a home at this price! Come see it today!!!

Highlights

Listed by Wendy Waller , 404-310-3262 WENDY WALLER REAL ESTATE BROKERAGE , 404-310-3262. Pensacola Association of REALTORS®, Inc.

Property Type

Residential

Lot/Acreage
0.07

HOA Fee

1500 Annually

Year Built

2020

County

Escambia - Fl

Neighborhood

Country Club Place

Listing ID

670733

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:2
Appliances:Recirculating Pump Water Heater, Wine Cooler, Dishwasher, Disposal, Double Oven, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer
Air Cond:Central Air,Ceiling Fan(s),ENERGY STAR Qualified Equipment
Fireplaces:
Floor:Hardwood,Tile
Other:
  • Additional:Ceiling Fan(s), Bonus Room
Water:Public

Exterior Features

Lot:Bay,Deed Access
Garage Capacity:2
Zoning:Res Single
Roof:Flat
Others:
  • Additional:Balcony, Resale
Sewer:Public Sewer
Parking Features:4 or More Car Garage,Golf Cart Garage
Principal Interest
$5,665
Taxes
$712
HOA
$1,500

Home Price

$1,117,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$223,400
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:
$5,665.21

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $5,665.21 $712.09 $1,500.00 $7,877.30
Yearly $67,982.56 $8,545.05 $18,000.00 $94,527.61
Total $2,039,476.77 $256,351.50 $540,000.00 $2,835,828.27

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.