10720 WILLOW LAKE DRIVE, PENSACOLA, FL, 32506
Active9 days on marketListed Jul 29, 2026MLS #OM729475
About this home
10720 WILLOW LAKE DRIVE
Priced to Sell! Major Updates Already Completed! Welcome home to this well maintained property offering comfort, value, and peace of mind. Thoughtfully cared for over the years, this home features numerous recent improvements, allowing you to move in with confidence. The shingle roof was replaced in 2018/2019 and has no known leaks or damage. Enjoy year round comfort with a HVAC system installed in 2020, and has been regularly serviced. The electrical panel was updated approximately 3–4 years ago, the plumbing is in excellent condition with no known issues, and the septic system was professionally pumped in 2024. With the heavy lifting already done, you can spend less time worrying about repairs and more time making this house your home. Whether you're searching for your first home, your next investment, or simply a property with the major systems already updated, this home checks all the boxes. Schedule your private showing today before this opportunity is gone!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,375
Sqft
0.29 ac
Lot size
1988
Year built
One
Levels
$138
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$1,594 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,594/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Pensacola actives
$138 vs $166
Days on market
9 vs 67 typical
Where $138/sqft sits among the 6 Pensacola actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Pensacola
Get to know Pensacola. See the full Pensacola guide →
PENSACOLA 32506 — neighborhood snapshot
Population
35,202
Median age
38.7
Median income
$59,978
Median home value
$200,500
Avg household
2.4
Households w/ children
3,867
For the school run
Escambia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Pensacola market
$240K → $260K
Pensacola median sold, yr/yr
94.1%
Sale-to-list ratio (12 mo)
1 of 6
Pensacola actives have cut their price
Median sold price, Pensacola, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 10720 WILLOW LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$698,000
2207 51ST STREET W · same community
3 bd · 2 ba · 1,964 sqft · $355/sqft · 251 DOM
Sold · Jul ’26$960,000
2211 50TH STREET W · same community
4 bd · 2 ba · 2,537 sqft · $378/sqft · 45 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 10720 WILLOW LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10720 WILLOW LAKE DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
10720 WILLOW LAKE DRIVE FAQs
What would the monthly payment be for 10720 WILLOW LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,594/mo — principal and interest, the actual property-tax bill, the $13/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 10720 WILLOW LAKE DRIVE?+
The association fee works out to $13 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10720 WILLOW LAKE DRIVE?+
The most recent tax bill on record (2025) was $2,624. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 10720 WILLOW LAKE DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Pensacola?+
At $189,900, this home is listed about 33% below the Pensacola median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10720 WILLOW LAKE DRIVE?+
Escambia High School (high), Myrtle Grove Elementary School (elementary), Warrington Preparatory Academy (middle) — Escambia County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Kanisha White. MLS #OM729475.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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