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Harrison Lilly

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

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3514 Mossy Oak Villas Cir , Pensacola, FL 32514
$289,990
Est. Payment: $1,470.77/mo
3 Bed
2.5 Bath
1738 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

Located in the gated community of Mossy Oak Villas, this 3-bedroom, 2.5-bath townhome combines modern finishes, a functional layout, and low-maintenance living in one of the community's most desirable locations. Built just three years ago, the home features high ceilings, crown molding, recessed lighting, 6-inch baseboards, programmable thermostats, and plenty of storage throughout. The main living area feels bright and open, with natural light flowing through the spacious living room, dining area, and kitchen. Whether you're hosting friends or enjoying a quiet evening at home, the open-concept design makes everyday living easy. The kitchen features granite countertops, stainless steel appliances, ample cabinet space, and a breakfast bar for casual meals or conversation while cooking. A convenient half bath is also located on the main floor. Upstairs, the oversized primary bedroom offers plenty of room to unwind and includes a walk-in closet and private ensuite bath with granite countertops and updated finishes. Two additional bedrooms, a full guest bath, and a dedicated laundry room complete the second level. Storage is a standout feature, with space under the stairs, a large hallway linen closet, and an attached one-car garage with shelving already in place. Just off the living area, a private outdoor space provides the perfect spot to enjoy your morning coffee or relax at the end of the day. Residents enjoy the convenience of an HOA that handles lawn maintenance and groundskeeping, allowing more time to enjoy everything the area has to offer. Ideally located near shopping, dining, Interstate 10, and West Florida Hospital, with downtown Pensacola and the area's white-sand beaches just a short drive away.

Highlights

Listed by Stacey Rising , 850-206-9563 Better Homes And Gardens Real Estate Main Street Properties , 850-912-4123. Pensacola Association of REALTORS®, Inc.

Property Type

Condo/Townhome

Lot/Acreage
0.04

HOA Fee

2538 Annually

Year Built

2019

County

Escambia - Fl

Neighborhood

Mossy Oak Villas

Listing ID

684813

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2.5
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Water Heater, Dryer, Washer, Built In Microwave, Dishwasher, Disposal, Refrigerator
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Carpet,Simulated Wood
Other:
  • Additional:Storage, Baseboards, Ceiling Fan(s), Crown Molding, High Ceilings, High Speed Internet
Water:Public

Exterior Features

Lot:Interior Lot
Garage Capacity:1
Zoning:County,Res Single
Roof:Shingle
Others:
  • Additional:Resale
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener
Principal Interest
$1,471
Taxes
$185
HOA
$2,538

Home Price

$289,990

Loan Details

30 yrs
6.529%

Down Payment

20%
$57,998
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:
$1,470.77

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,470.77 $184.87 $2,538.00 $4,193.64
Yearly $17,649.29 $2,218.42 $30,456.00 $50,323.72
Total $529,478.84 $66,552.71 $913,680.00 $1,509,711.55

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.