# 16 Wharf Ave, Pensacola, FL 32502 > **TL;DR:** land, $650,000. > Waterfront. Est. $3,477/mo. Listed 231 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $650,000 | | Lot Size | 6,081 sqft (0.14 acres) | | Property Type | Land (Other) | | Status | Active | | Days on Market | 231 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $3,287 | | Estimated Insurance | $190 | | **Total** | **$3,477** | ## Nearby Schools - **Elementary:** Suter - **Middle:** WORKMAN - **High:** Pensacola ## Key Amenities - Waterfront ## Property Highlights - 0.14 acre lot - Waterfront ## Description ### Agent Description Luxury Waterfront Homesite in Exclusive Gated Enclave - Downtown Pensacola. An exceptional opportunity to create a bespoke waterfront estate in one of the most exclusive addresses along Pensacola Bay. This premier homesite offers sweeping, unobstructed views of the sparkling bay, the iconic Pensacola Bay Bridge, and a surrounding collection of architecturally stunning, multimillion-dollar residences. Nestled within the historic Muscogee Wharf Peninsula-an intimate, gated waterfront enclave featuring only 13 exclusive homesites-this property offers an extraordinary blend of privacy, prestige, and natural beauty. Residents enjoy access to a private community pier and pavilion, an idyllic setting for sunset gatherings, morning coffee over the water, or simply enjoying the tranquil coastal breeze. Despite its secluded atmosphere, the property is located just minutes from the energy and culture of Downtown Pensacola, where fine dining, galleries, marinas, and vibrant entertainment await. The community is thoughtfully designed with underground utilities and elegant brick-paver roadways, enhancing both aesthetics and long-term value. Ideally positioned just off Bayfront Parkway, this rare homesite offers convenient access to the region's white-sand Gulf beaches, Interstate 10, and the best of coastal living along the Emerald Coast. Opportunities to secure property within this coveted waterfront enclave are exceedingly rare. Here, you can design and build a legacy residence that captures the beauty, serenity, and prestige of life on Pensacola Bay. Owner/Agent is a licensed Realtor. ## Location - **Address:** 16 Wharf Ave, Pensacola, FL 32502 - **County:** Escambia - Fl - **Neighborhood:** Muscogee Wharf - **Coordinates:** 30.414521, -87.198994 - **Google Maps:** https://www.google.com/maps?q=30.414521,-87.198994 ## Virtual Tour & Media - **Video Tour:** https://vimeo.com/1053612057 ## Listing Agent - **Name:** Frasier Phelps - **Brokerage:** Berkshire Hathaway HomeServices PenFed Realty - **Broker Phone:** (850) 932-6278 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/16-Wharf-Ave_Pensacola_FL_32502_M69228-32821?f=listhub&s=PARFL&m=679258&c=propsimple) ## Photos ![16 Wharf Ave - Photo 1](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f35468189r.jpg) ![16 Wharf Ave - Photo 2](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f3130030917r.jpg) ![16 Wharf Ave - Photo 3](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f1957422045r.jpg) ![16 Wharf Ave - Photo 4](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f1168622131r.jpg) ![16 Wharf Ave - Photo 5](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f3337750133r.jpg) ![16 Wharf Ave - Photo 6](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f773072512r.jpg) ![16 Wharf Ave - Photo 7](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f1599182934r.jpg) ![16 Wharf Ave - Photo 8](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f2416543029r.jpg) ![16 Wharf Ave - Photo 9](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f3297017048r.jpg) ![16 Wharf Ave - Photo 10](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f3442804580r.jpg) ![16 Wharf Ave - Photo 11](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f1725001606r.jpg) ![16 Wharf Ave - Photo 12](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f157898739r.jpg) ![16 Wharf Ave - Photo 13](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f92299242r.jpg) ![16 Wharf Ave - Photo 14](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f2348107822r.jpg) ![16 Wharf Ave - Photo 15](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f1907684964r.jpg) ![16 Wharf Ave - Photo 16](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f849886362r.jpg) ![16 Wharf Ave - Photo 17](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f3708305517r.jpg) ![16 Wharf Ave - Photo 18](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f3766099146r.jpg) ![16 Wharf Ave - Photo 19](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f1817115550r.jpg) ![16 Wharf Ave - Photo 20](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f1447982171r.jpg) ![16 Wharf Ave - Photo 21](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f3507147603r.jpg) ![16 Wharf Ave - Photo 22](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f72972911r.jpg) ![16 Wharf Ave - Photo 23](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f1646360121r.jpg) ![16 Wharf Ave - Photo 24](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f1497148869r.jpg) ![16 Wharf Ave - Photo 25](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f3073959256r.jpg) ![16 Wharf Ave - Photo 26](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f2443524586r.jpg) ![16 Wharf Ave - Photo 27](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f2059174999r.jpg) ![16 Wharf Ave - Photo 28](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f2279126162r.jpg) ![16 Wharf Ave - Photo 29](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f176015537r.jpg) ![16 Wharf Ave - Photo 30](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f3719282774r.jpg) ![16 Wharf Ave - Photo 31](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f1858832362r.jpg) ![16 Wharf Ave - Photo 32](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f3715352533r.jpg) ![16 Wharf Ave - Photo 33](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f4238027092r.jpg) ![16 Wharf Ave - Photo 34](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f4236977970r.jpg) ![16 Wharf Ave - Photo 35](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f416382133r.jpg) ![16 Wharf Ave - Photo 36](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f3261280474r.jpg) ![16 Wharf Ave - Photo 37](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f280520307r.jpg) ![16 Wharf Ave - Photo 38](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f4154467634r.jpg) ![16 Wharf Ave - Photo 39](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f72972911r.jpg) ![16 Wharf Ave - Photo 40](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f1646360121r.jpg) ![16 Wharf Ave - Photo 41](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f1497148869r.jpg) ![16 Wharf Ave - Photo 42](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f3073959256r.jpg) ![16 Wharf Ave - Photo 43](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f2443524586r.jpg) ![16 Wharf Ave - Photo 44](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f2059174999r.jpg) ![16 Wharf Ave - Photo 45](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f3443128789r.jpg) ![16 Wharf Ave - Photo 46](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f1463189941r.jpg) ![16 Wharf Ave - Photo 47](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f1675408300r.jpg) ![16 Wharf Ave - Photo 48](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f341779717r.jpg) ![16 Wharf Ave - Photo 49](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f847278862r.jpg) ![16 Wharf Ave - Photo 50](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f4141692436r.jpg) ![16 Wharf Ave - Photo 51](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f3236707447r.jpg) ![16 Wharf Ave - Photo 52](http://lh.rdcpix.com/ceeaf4e29b37a59fc488c6df5d3b2cf2l-f3236707447r.jpg) --- **MLS#:** 679258 | **Updated:** 2026-10-19 **Source:** listhub *Copyright © 2026 Pensacola Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/16-wharf-ave-pensacola-fl-32502-4e47d05d3ca143dba774157a755ed367) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/16-wharf-ave-pensacola-fl-32502-4e47d05d3ca143dba774157a755ed367#listing", "url": "https://www.propertysimple.ai/listing/16-wharf-ave-pensacola-fl-32502-4e47d05d3ca143dba774157a755ed367", "name": "16 Wharf Ave, Pensacola, FL 32502", "description": "Luxury Waterfront Homesite in Exclusive Gated Enclave - Downtown Pensacola. An exceptional opportunity to create a bespoke waterfront estate in one of the most exclusive addresses along Pensacola Bay. 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Ideally positioned just off Bayfront Parkway, this rare homesite offers convenient access to the region's white-sand Gulf beaches, Interstate 10, and the best of coastal living along the Emerald Coast. Opportunities to secure property within this coveted waterfront enclave are exceedingly rare. Here, you can design and build a legacy residence that captures the beauty, serenity, and prestige of life on Pensacola Bay. 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