5450 N Shore Rd, Pensacola, FL 32507, Pensacola, Florida, United States. - Hero Image
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5450
N Shore Rd
Pensacola | Florida

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Presented At
$950,000
Bedrooms
3
Bathrooms
2
Living
2,610
SQFT
Fireplace
Office
Air Conditioning
Washer Dryer
Laundry Room
Game Room
Basement
Garage
Balcony
Gate
Pool
Waterfront
Gated Community
5450 N Shore Rd, Pensacola, FL 32507, Pensacola, Florida, United States. - Photo 1
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5450 N Shore Rd, Pensacola, FL 32507, Pensacola, Florida, United States. , Pensacola , Florida 32507

5450 N Shore Rd, Pensacola, Fl, 32507

Here's your chance to enjoy the shores of Perdido Bay at Innerarity Island in a gated community on half an acre! This stunning home features a full 100 feet of waterfront with breathtaking views. And you can enjoy these views from almost every single room in the house! Enjoy the summer breeze on your screened in back porch overlooking your pool. Gaze at the bay while herons observe you from the seawall. Great room has a cathedral ceiling and tiled floor plus fireplace. Breakfast area, living room, primary suite and additional bedroom all face the waterfront. Primary bedroom features two walk in closets with a roomy primary bath that boasts a large soaking tub and a separate tiled shower plus dual vanity. On other side of home, are two bedrooms plus a flex room to use as an office, game room or an additional bedroom. Spare bedroom walks right out to the pool deck offering a great opportunity for a mother in law suite or guest room. Large laundry room next to spacious two car garage. Community park with a dock and pickleball court is one block away. There are so many amenities in this home
  • gas appliances, whole house generator, granite countertops, all tile floors, water softener system, outdoor gas grill, outdoor shower, hurricane shutters, fireplace, wired for surround sound, roof from last year, 2022 AC, Ring doorbell, and more.
Innerarity Island offers an incredible community with plenty of neighborhood events planned throughout the year. The island is also home to over 100 acres of conservation lands. Come see what makes neighbors say that they feel like they live in a postcard. If you've been dreaming about a waterfront home, this is it!

Gallery

3D Street View Tour

Map showing 5450 N Shore Rd, Pensacola, FL 32507, Pensacola, Florida, United States.

Property Location

5450 N Shore Rd, Pensacola, FL 32507, Pensacola, Florida, United States., Pensacola Florida

Local Weather & Climate

Pensacola, Florida

Current Conditions Updated recently
71 °F
Scattered clouds
Feels Like 70°F
Humidity 65%
Wind 9 mph
Visibility 6.2 mi
Sunrise 12:01 PM
Sunset 11:57 PM
5-Day Forecast
Sun 15 Mar
Clouds
High 71°
Low 58°
Mon 16 Mar
Clouds
High 69°
Low 46°
Tue 17 Mar
Clouds
High 53°
Low 39°
Wed 18 Mar
Clouds
High 56°
Low 44°
Thu 19 Mar
Clear
High 66°
Low 49°
Data from OpenWeatherMap

Walkability & Transit Scores

How easy is it to get around Pensacola?

Walkability and transit scores for this address come from the EPA National Walkability Index.

Mortgage Calculator

Estimate your monthly payments for this property

$
%
$100,000
%
Estimated Monthly Payment $3,160
Monthly Payment Breakdown
Principal & Interest $2,528
Loan Amount $400,000
Total Interest $337,621
Total Cost $737,621
Potential Tax Benefits (United States)
$0 Est. First Year Interest Deduction
$0 Est. Annual Tax Savings
*Based on post-2017 tax law. Actual deductions depend on filing status, itemization, and current tax laws.

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Important Information
  • This calculator is for illustrative purposes only and does not constitute a loan offer, pre-approval, or commitment to lend.
  • Monthly payment estimates do not include property taxes, homeowner's insurance, HOA fees, or other applicable costs which may significantly increase your actual payment.
  • Interest rates shown are for demonstration only. Actual rates depend on your credit score, down payment, loan type, property location, and current market conditions.
  • This tool provides estimates only. Consult with a licensed mortgage professional for accurate quotes and personalized advice.
  • Tax benefit calculations are simplified estimates based on general assumptions for United States. Actual deductions depend on your specific tax situation, filing status, and current tax laws.
  • Tax Year Information: Tax data shown is based on United States tax year 2025 (fiscal year: January-December), rules effective from 2018 through 2025. Tax laws change frequently and may have been amended since this data was compiled.

Market Opinion

Premium 2.6× median

Our perspective on current market conditions in Pensacola. For informational purposes only — always consult a licensed real estate professional before making decisions.

Neutral Market
Balanced conditions. Negotiate wisely.
58
Buyer Score
Prices are down 1.3% year-over-year

Local Market Price Trends

Median home sale prices in Pensacola, Florida — ZIP code 32507 over the last 24 months. This shows how property values in this neighborhood have changed over time, helping you understand whether the market is appreciating, stable, or cooling.

This property is listed at $950,000
Area median: $367,304
-1.3% year-over-year (well below the 3.5% historical avg)

Market Competition

Future Value & Wealth Building

Starting investment: $950,000 20% down ($190,000)

42.4 years
Double Your Investment
Based on current market trends, your property value could double
$466,620
10-Year Equity
Your potential equity after 10 years of payments and appreciation
$5,056
Monthly Investment
Estimated monthly mortgage payment (principal & interest)
$1,551,683
30-Year Wealth Potential
Total equity after full mortgage payoff with market appreciation
2.5x
Leverage Power
Your $190,000 down payment could grow to $466,620 in equity (10 yrs)
Investment Perspective
$ $ $
$1 → $1.18
Every dollar invested today could become $1.18 in 10 years
$100 → 118 $1,000 → $1,178
+$43
$43/day
Your home may appreciate while you sleep
$301/week $1,305/mo $15,664/yr
$100K Investment Comparison (10 Years)
Real Estate (Leveraged)
$189K
S&P 500 Index
$259K
High-Yield Savings
$155K
Real estate leverage: potential -27% advantage over stocks
RENT 💸 -$523K
vs
OWN 📈 +$467K
$467K Potential Equity
vs $523K lost to rent over 10 years
$190K Down Payment Growth
2.5x
10yr
$467K
4.6x
20yr
$882K
8.2x
30yr
$1.6M
Wealth Comparison
×4
Equivalent to 4 average US homes
top 10%
US household wealth ranking
Median: $193K Yours: $1.6M
Time to Double Your Investment (accounting for market cycles)
76.9
years
Conservative
0.91% effective/yr
18.2
years
Optimistic
3.88% effective/yr
Projected Home Values (adjusted for market cycles)
10 Years
Conservative $1.0M +9%
Market $1.1M +18%
Optimistic $1.4M +46%
$467K est. equity
20 Years
Conservative $1.1M +20%
Market $1.3M +39%
Optimistic $2.0M +114%
$882K est. equity
30 Years
Conservative $1.2M +31%
Market $1.6M +63%
Optimistic $3.0M +213%
$1.6M est. equity

Historical Market Context

How current appreciation compares to long-term averages

National Long-Term Average
4.27 %
1967 – 2024
57 years of U.S. home price data
Recent Decade Average
6.5 %
2014 – 2024
Post-recovery bull market
Opportunity Zone
Current 2.5% appreciation is below the national historical average. This market may offer value opportunities.

Projections account for historical market cycles (~12% corrections every 6 years). Effective annual growth after corrections: 1.6%. Market scenario reflects current 2.5% YoY trend from Zillow (Apr 2026). These projections are estimates only and actual results may vary. Past performance does not guarantee future results.

Data from U.S. Census Bureau, World Bank, Zillow, and Redfin | Market data updated Apr 2026

Neighborhood Demographics

ZIP 32507 • 2022 ACS Data

32,766 Population
Median Age: 43.0
$64,269 Median Income
Average
$240,600 Median Home Value
Rent: $1,166
30.8% College Graduates
Average

Housing

Homeowners 46.2%
Renters 26.5%
Vacancy Rate 27.3%

Employment

7.0% Unemployment
13.9% Work From Home

Education Attainment (Age 25+)

High School+ 90.8%
Bachelor's+ 30.8%
Graduate+ 10.4%
Data from U.S. Census Bureau American Community Survey 2022

Frequently Asked Questions

Common questions about this property

This house at 5450 N Shore Rd, Pensacola, FL 32507, Pensacola, Florida, United States features 3 bedrooms with 2,610 square feet of living space.
This property offers 2,610 square feet of living space.
This property is listed at $95,000,000, which equals $36398 per square foot.
In Pensacola, home prices have decreased 1.3% over the past year, it's currently a unknown. These market conditions can affect pricing strategies and negotiation opportunities.
Based on current market indicators, Pensacola shows an active market. The market opportunity score is 58 out of 100, reflecting factors like price trends, inventory levels, and days on market.
This is a house located in Pensacola, Florida. The property is situated in an established neighborhood with convenient access to local amenities and services.
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