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Harrison Lilly

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

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612 S 1st St Unit 24 , Pensacola, FL 32507
$460,000
Est. Payment: $2,333.03/mo
4 Bed
2.5 Bath
2700 Sqft
Status: active with contingency | Days on site: 113
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Spacious 4 bedroom WATERFRONT TOWNHOME with LARGE ASSIGNED BOATSLIP with DEEP WATER ACCESS at the front gate of NAS in Gated Community of Spinnaker Cove just 10 minutes to downtown Pensacola and Perdido Key. 4 bedrooms with 2.5 bathrooms, this home boasts 2,700 sq feet of living space with a tandem garage that you can pull through with garage doors on both sides. Waterfront living with this square footage with a boatslip at this price per square foot is a rarity. This property has a LOW RATE ASSUMABLE VA LOAN to qualified buyers and also has $25 power bills. YES, that is correct - this home has NEW PAID FOR SOLAR PANELS THAT COST OVER $67,000. Installation of 31 400w Solar Panels, Net Metering Main Service Panel, and Enphase Microinverter in 2023. ALL NEW HEATING AND COOLING SYSTEMS COSTING OVER $23,000 - TWO 2023 2 ton 19 seer Gree HVAC Units for 2nd and 3rd floor of home - 2 Zone High Efficiency Mini-Split System to add AC to the entire bottom floor. This home has upgrades galore! This townhome was renovated in 2021 with brand new kitchen and appliances (new Samsung refrigerator 2024). Washer and Dryer (2021 Samsung) are included. The main living space is perfect for entertaining guests with an open concept of the kitchen, living, and dining area, and balcony with views of Bayou grande and your boat slip with power and water (you can install a lift if you so choose). The wood burning fireplace makes for cozy evenings. Luxury vinyl plank flooring in the living and wet areas and carpet in the bedrooms on the 3rd floor. New 4th bedroom and office area on the bottom floor that is heated and cooled recently added in 2024. All bedrooms on the third floor have their own private balconies. LOW HOA fees make this property a no brainer for those looking for the waterfront lifestyle at a low cost. This prime location offers easy BOATING & FISHING access to the Gulf of Mexico being only a 15 minute ride to the Pensacola Pass. Buyer to verify all information.

Highlights

Listed by Sadie O'gara , 850-619-2732 Levin Rinke Realty , 850-916-5050. Pensacola Association of REALTORS®, Inc.

Property Type

Condo/Townhome

Lot/Acreage
0.04

HOA Fee

1962 Annually

Year Built

1983

County

Escambia - Fl

Neighborhood

Spinnaker Cove

Listing ID

681756

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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, Refrigerator, Self Cleaning Oven, ENERGY STAR Qualified Washer
Air Cond:Multi Units,Central Air,Ceiling Fan(s),ENERGY STAR Qualified Equipment,ENERGY STAR Qualified Room AC
Fireplaces:
Floor:Carpet
Other:
  • Additional:Baseboards, Ceiling Fan(s), Crown Molding, High Speed Internet, Smart Thermostat, Office/Study
Water:Public

Exterior Features

Lot:Interior Lot,Bayou,Creek/Stream,Waterfront,Beach Access,Deed Access,Natural,Pier,Rip Rap
Garage Capacity:2
Zoning:County,Deed Restrictions,Res Multi
Roof:Shingle
Others:
  • Additional:Balcony, Dock, Boat Slip, Boat Slip Utilities, Resale
Sewer:Public Sewer
Parking Features:2 Car Garage,2 Space/Unit,Boat,Front Entrance,Golf Cart Garage,Guest,Parking Lot,Rear Entrance,RV/Boat Parking,Garage Door Opener,Converted Garage
Principal Interest
$2,333
Taxes
$293
HOA
$1,962

Home Price

$460,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$92,000
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:
$2,333.03

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,333.03 $293.25 $1,962.00 $4,588.28
Yearly $27,996.40 $3,519.00 $23,544.00 $55,059.40
Total $839,891.95 $105,570.00 $706,320.00 $1,651,781.95

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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