# 4 Wharf Ave, Pensacola, FL 32502 > **TL;DR:** land, $550,000. > Waterfront. Est. $2,941/mo. Listed 5 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $550,000 | | Lot Size | 5,702 sqft (0.13 acres) | | Property Type | Land (Other) | | Status | Active | | Days on Market | 5 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,781 | | Estimated Insurance | $160 | | **Total** | **$2,941** | ## Nearby Schools - **Elementary:** Suter - **Middle:** WORKMAN - **High:** Washington ## Key Amenities - Waterfront ## Property Highlights - 0.13 acre lot - Waterfront ## Description ### Agent Description Waterfront lot downtown Gated Community with deep water boat slips coming. Beautiful high elevation waterfront lot available in historic gated downtown Muscogee Wharf subdivision originally dating back to 1800s... Lot has approx. 14ft elevation, with 100 yr steel seawall. HOA Plans and permit available for 13 deep water boat slips (each owner) to be built at the subdivision pavilion. Per US Army corps of engineers permitting dept. Lot has unobstructed views of downtown Pensacola and Pensacola Bay from front and rear. No lots across the street to obstruct views. Build your dream home up to 55ft height allowance, from 2500 sf to well over 6000+ sq ft ...30A style. Alys's beach or rosemary beach styled, brick or stucco... Lot has never flooded and lot ready to build. Excellent fishing from pavilion with 12 ft depth. A fantastic value at $550,000 Building Lot in x flood zone. See survey. ## Location - **Address:** 4 Wharf Ave, Pensacola, FL 32502 - **County:** Escambia - Fl - **Neighborhood:** Muscogee Wharf - **Coordinates:** 30.41529, -87.19977 - **Google Maps:** https://www.google.com/maps?q=30.41529,-87.19977 ## Listing Agent - **Name:** Darlene Hammond - **Brokerage:** Horizon Properties of Pensacola, Inc - **Phone:** 8509344449 - **Broker Phone:** (850) 476-6000 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/4-Wharf-Ave_Pensacola_FL_32502_M68259-90009?f=listhub&s=PARFL&m=689383&c=propsimple) ## Photos ![4 Wharf Ave - Photo 1](http://lh.rdcpix.com/e68419d039718069c99a98b6b92bad74l-f3356438022r.jpg) ![4 Wharf Ave - Photo 2](http://lh.rdcpix.com/e68419d039718069c99a98b6b92bad74l-f1330224244r.jpg) ![4 Wharf Ave - Photo 3](http://lh.rdcpix.com/e68419d039718069c99a98b6b92bad74l-f2410348398r.jpg) ![4 Wharf Ave - Photo 4](http://lh.rdcpix.com/e68419d039718069c99a98b6b92bad74l-f2782416836r.jpg) ![4 Wharf Ave - Photo 5](http://lh.rdcpix.com/e68419d039718069c99a98b6b92bad74l-f806266975r.jpg) ![4 Wharf Ave - Photo 6](http://lh.rdcpix.com/e68419d039718069c99a98b6b92bad74l-f3246201809r.jpg) ![4 Wharf Ave - Photo 7](http://lh.rdcpix.com/e68419d039718069c99a98b6b92bad74l-f2844990626r.jpg) ![4 Wharf Ave - Photo 8](http://lh.rdcpix.com/e68419d039718069c99a98b6b92bad74l-f1323427310r.jpg) ![4 Wharf Ave - Photo 9](http://lh.rdcpix.com/e68419d039718069c99a98b6b92bad74l-f2211543187r.jpg) ![4 Wharf Ave - Photo 10](http://lh.rdcpix.com/e68419d039718069c99a98b6b92bad74l-f2483734398r.jpg) ![4 Wharf Ave - Photo 11](http://lh.rdcpix.com/e68419d039718069c99a98b6b92bad74l-f556510044r.jpg) ![4 Wharf Ave - Photo 12](http://lh.rdcpix.com/e68419d039718069c99a98b6b92bad74l-f2343944336r.jpg) ![4 Wharf Ave - Photo 13](http://lh.rdcpix.com/e68419d039718069c99a98b6b92bad74l-f2953779620r.jpg) ![4 Wharf Ave - Photo 14](http://lh.rdcpix.com/e68419d039718069c99a98b6b92bad74l-f1645302113r.jpg) ![4 Wharf Ave - Photo 15](http://lh.rdcpix.com/e68419d039718069c99a98b6b92bad74l-f1771590012r.jpg) ![4 Wharf Ave - Photo 16](http://lh.rdcpix.com/e68419d039718069c99a98b6b92bad74l-f3105736745r.jpg) ![4 Wharf Ave - Photo 17](http://lh.rdcpix.com/e68419d039718069c99a98b6b92bad74l-f1496637753r.jpg) ![4 Wharf Ave - Photo 18](http://lh.rdcpix.com/e68419d039718069c99a98b6b92bad74l-f509986182r.jpg) ![4 Wharf Ave - Photo 19](http://lh.rdcpix.com/e68419d039718069c99a98b6b92bad74l-f3590307795r.jpg) ![4 Wharf Ave - Photo 20](http://lh.rdcpix.com/e68419d039718069c99a98b6b92bad74l-f64951603r.jpg) ![4 Wharf Ave - Photo 21](http://lh.rdcpix.com/e68419d039718069c99a98b6b92bad74l-f3185835096r.jpg) --- **MLS#:** 689383 | **Updated:** 2026-09-23 **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/4-wharf-ave-pensacola-fl-32502-l689383) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/4-wharf-ave-pensacola-fl-32502-l689383#listing", "url": "https://www.propertysimple.ai/listing/4-wharf-ave-pensacola-fl-32502-l689383", "name": "4 Wharf Ave, Pensacola, FL 32502", "description": "Waterfront lot downtown Gated Community with deep water boat slips coming. Beautiful high elevation waterfront lot available in historic gated downtown Muscogee Wharf subdivision originally dating back to 1800s... Lot has approx. 14ft elevation, with 100 yr steel seawall. HOA Plans and permit available for 13 deep water boat slips (each owner) to be built at the subdivision pavilion. Per US Army corps of engineers permitting dept. Lot has unobstructed views of downtown Pensacola and Pensacola Bay from front and rear. No lots across the street to obstruct views. Build your dream home up to 55ft height allowance, from 2500 sf to well over 6000+ sq ft ...30A style. Alys's beach or rosemary beach styled, brick or stucco... Lot has never flooded and lot ready to build. Excellent fishing from pavilion with 12 ft depth. A fantastic value at $550,000 Building Lot in x flood zone. 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