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About This Home

This 5-bedroom, 3-bathroom single family at 400 N Palafox St in Pensacola, FL is listed for $959,000 ($406 per sqft). Built in 2020, the home offers 2,361 sqft of living space on a 0.06 acres lot.

Agent Description

Right in the heart of downtown Pensacola, this one puts you exactly where you want to be. Step outside and you're just moments from local dining, nightlife, galleries, and waterfront strolls. It's the kind of location where weekends plan themselves and everything feels within reach.

This custom-built home was thoughtfully designed by the owner to make the most of downtown living, with a front balcony and an upstairs terrace that capture the energy and views of the city. Whether it's morning coffee above the rooftops or evenings soaking it all in, this home keeps you connected to the best of Pensacola.

The layout offers incredible flexibility. Use it as a primary residence, income-producing property, guest-friendly setup, or a mix of all three. With separate living possibilities built in, it easily adapts to your needs. Take the elevator up to the second floor and you'll find a true highlight: a spacious terrace made for entertaining and unwinding.

An outdoor kitchen, bar area, lounge space, and hot tub create your own private retreat in the middle of downtown. Inside, both levels offer generous laundry rooms and ample storage throughout. The fourth bedroom is set up with bunk beds to comfortably host extra guests, making it ideal for visiting friends or short-term stays.

An oversized garage adds even more function, complete with a built-in overhead storage deck. If you've been looking for a downtown home that blends lifestyle, flexibility, and a fun sense of place, this one stands out in all the right ways.

Key Features

  • Built in 2020
  • 0.06 acre lot
  • 2 stories
  • 2 parking spaces

Property Details

2 stories
3 full
2 spaces
2020

Amenities

SpaA/C

Monthly Cost Estimate

$5,279/mo

20% down · 6.5% · 30 years

Principal$694
Interest$4,156
Insurance$280
HOA$150

Estimates only. Actual payments may vary.

Location

400 N Palafox St

Pensacola, FL 32501

Belmont Tract

Property Details

Construction

Frame

Pool Features

PorchDeck

Parking

OpenGarage

Heating

Central

Cooling

Ceiling Fan(s)Central Air

Appliances

Gas Water HeaterBuilt In MicrowaveDishwasherDisposalRefrigerator

Questions & Answers

This 5-bedroom, 3-bathroom single family at 400 N Palafox St is listed at $959,000 ($406/sqft). The estimated monthly payment is $4,306 based on 20% down at 6.5% interest.

HOA fees are $150/month.

Key features include: Built in 2020, 0.06 acre lot, 2 stories, 2 parking spaces.

This property is listed by Christopher Howard and can be reached at (850) 429-0100 or chrishoward4u@gmail.com.

CH

Christopher Howard

Agent at ASSIST 2 SELL REAL ESTATE

(850) 429-0100

Listed by ASSIST 2 SELL REAL ESTATE · View on Broker Site

MLS# 681991· Source: listhub· Updated 30 days ago

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.

400 N Palafox St, Pensacola, FL 32501

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