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Harrison Lilly

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

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3917 W Mallory St , Pensacola, FL 32505
$187,000
Est. Payment: $948.43/mo
3 Bed
2 Bath
1140 Sqft
Status: active with contingency | Days on site: 419
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

AS SEEN ON HGTV! Priced Below Market Value and Move-In Ready, this charming Pensacola cottage presents a rare opportunity for buyers seeking style, convenience, and exceptional value. Situated on a spacious corner lot just minutes from Downtown Pensacola, Cervantes Street, local parks, dining, shopping, and entertainment, this 3-bedroom, 2-bath home offers the perfect blend of location and affordability. Inside, you'll find an inviting open-concept floor plan designed for modern living. Durable luxury vinyl plank flooring flows throughout the home—there is no carpet anywhere—creating a clean, cohesive look that is both attractive and easy to maintain. Large windows fill the living spaces with natural light, while the kitchen offers abundant cabinetry, generous counter space, and seamless flow into the dining and living areas, making it ideal for everyday living and entertaining alike. Major system updates provide valuable peace of mind, including a 2012 roof (Sellers will replace roof with full-price offer), 2021 HVAC system, and 2021 water heater. Fresh finishes, updated interior doors, and modern touches throughout allow you to move in and immediately enjoy your new home. Step outside to discover a fully fenced backyard with endless possibilities. Whether you envision weekend cookouts, a garden oasis, a play area, or a private retreat, this outdoor space is ready to accommodate your lifestyle. Perfect for first-time buyers, investors, downsizers, or anyone looking to enjoy the convenience of central Pensacola living, this property delivers tremendous value at a price that is now below market value. Homes offering this combination of location, condition, and pricing are becoming increasingly difficult to find. Schedule your private showing today before this opportunity belongs to someone else.

Highlights

Listed by Theresa "terry" Mahoney , 603-521-0774 KELLER WILLIAMS REALTY GULF COAST , 850-471-5000. Pensacola Association of REALTORS®, Inc.

Property Type

Residential

Lot/Acreage
0.19

Year Built

2012

County

Escambia - Fl

Neighborhood

West Highlands

Listing ID

666425

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Laminate
Other:
  • Additional:Master on Main
Water:Public

Exterior Features

Lot:Corner Lot
Zoning:Res Single
Roof:Shingle
Others:
  • Additional:Resale
Sewer:Public Sewer
Parking Features:Driveway
Principal Interest
$948
Taxes
$119

Home Price

$187,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$37,400
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:
$948.43

Principal

Taxes

Principal Taxes HOA Total
Monthly $948.43 $119.21 $0.00 $1,067.64
Yearly $11,381.14 $1,430.55 $0.00 $12,811.69
Total $341,434.34 $42,916.50 $0.00 $384,350.84

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.