412 HANCOCK LANE, PENSACOLA, FL, 32503
Active16 days on marketListed Sep 11, 2026MLS #A4705754
About this home
412 HANCOCK LANE
Welcome to 412 Hancock Lane in Pensacola! This 3-bedroom, 1-bath home offers a great opportunity for a homeowner or investor looking for a property with value and potential. The home features a brick exterior, new vinyl flooring, painted kitchen cabinets, and new appliances, including a refrigerator, range, and microwave. The functional layout includes a spacious living area, comfortable bedrooms, and a kitchen ready for everyday living. Conveniently located in Pensacola with easy access to shopping, dining, schools, parks, and major roadways. Being sold AS-IS, this property is a great opportunity to add your personal touches and make it your own.
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
1,076
Sqft
0.18 ac
Lot size
1993
Year built
One
Levels
$172
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 — not generic estimates.
$1,479 /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
$1,479/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 NA
$172 vs $273
Days on market
16 vs 11 typical
Where $172/sqft sits among the 127 homes for sale in NA
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 32503 — neighborhood snapshot
Population
32,975
Median age
34.3
Median income
$67,654
Median home value
$270,500
Avg household
2.13
Households w/ children
2,924
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
94.3%
Sale-to-list ratio (12 mo)
55 of 127
NA 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 412 HANCOCK LANE
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$325,000
22932 CAROLYN LANE · same community
2 bd · 1 ba · 1,056 sqft · $308/sqft · 4 DOM
Sold · Dec ’25$375,000
4801 SW 63 BOULEVARD · same community
3 bd · 2 ba · 1,137 sqft · $330/sqft · 74 DOM
Sold · Jun ’26$230,000
1530 E MINNESOTA AVENUE · same community
2 bd · 1 ba · 1,218 sqft · $189/sqft · 4 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 412 HANCOCK LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 412 HANCOCK LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
412 HANCOCK LANE FAQs
What would the monthly payment be for 412 HANCOCK LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,479/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 412 HANCOCK LANE?+
The most recent tax bill on record (2025) was $1,781. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Pensacola?+
At $185,000, this home is listed about 29% below the Pensacola median of $259,900. The market section on this page shows how the area is trending.
Which schools are assigned to 412 HANCOCK LANE?+
Washington Senior High School (high), Reinhardt Holm Elementary School (elementary) — Escambia County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of ELEVATE REALTY LLC · Laura Auten. MLS #A4705754.
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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