OFF_MARKETExcellent Deal3 days on market

635 Whitney Dr

635 Whitney Dr, Pensacola, FL 32503, Pensacola, FL 32503
$525,000
Zestimate®:$485,000

Listing Price

Property image 1
635 Whitney Dr, Pensacola, FL 32503
Loc: Pensacola, FL
Days Listed
3
Tax Assessed
$310k
Zestimate®
$485k
Market Rate
Lot Size
0.25 acres
Rent Estimate
$3,167/mo
Est. Cash Flow base
Type
single family

More Than Just a Property

We believe a home extends beyond its walls. That's why we help you explore the pulse of the community—from top-rated schools to essential emergency services. Your safety, well-being, and connection to the neighborhood matter to us.

4.9
Safety Score
A+
Schools

Nearby Schools

Educational options and performance ratings in the area.

9

Cordova Park Elementary School

K-6
1.1 mi away
4

J. H. Workman Middle School

6-8
3 mi away
3

Washington Senior High School

9-12
3 mi away

Property Overview

A stunning investment opportunity in a prime location. This property features modern amenities, spacious living areas, and strong rental potential.

Features & Amenities

Open Floor PlanHardwood FloorsModern KitchenStainless Steel AppliancesCentral Heat/AirLarge BackyardParkingNear Transit

Haven AI Verdict

Recommendation
Pending...
Confidence Score: 0/10
Exercise caution due to potential market volatility.
Cap Rate
7.70%
Total ROI
28.2%
Cash Flow
$716/mo
DSCR
1.27
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Data provided by Haven AI. Disclaimer

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10-Year Price Projection

Price & Tax History

Price History

DateEventPricePrice/sqft
2026-07-21Sold$485,000$244
2026-07-03Contingent$499,990$252
2026-06-18Price change$499,990$252
2026-05-28Listed for sale$525,000$265
2026-02-10Sold$218,000$110

Tax History

YearProperty TaxTax Assessment
2024$5,301.78$309,640
2023$4,866.35$281,225
2022$642.62$259,291
2021$654.06$222,691
2020$664.02$204,682
2019$658.64$197,878
2018$658.64$113,688
2017$670.46$111,350
2016$681.95$109,060
2015$687.23$108,302
2014$687.23$107,443
2013$0$105,856
2012$0$104,087
2011$0$101,056
2010$0$99,563
2009$0$96,946
2008$0$96,850
2007$0$94,030
2006$0$75,280
2005$0$89,070
2004$0$86,480
2003$0$84,870
2002$0$82,880
2001$0$81,570
2000$0$79,190
1999$0$77,110
Nathaniel Pitchon-Getzels Logo
Getzels Group
Haven Team
CalRE #01884947
Call / Text
818.535.5337

Property Specs

Beds
4
Baths
3
Sq Ft
1,984
Institutional Underwriting Ledger

Investment Numbers & Operating Model

Standardized cash flow underwriting modeled with state tax schedules, regional insurance hazard risk, and disciplined operating reserves.

Data Sources:MLS List Price: $525,000Rent Basis: Observed Comp Model ($3,167/mo)State Tax Benchmark: 0.98% (FL)Hazard Reserve: $263/mo
Haven ScoreRisky
1/ 10

Multi-factor yield grade

Cap Rate (Unleveraged)
4.39%

NOI: $23,073/yr

Cash-on-Cash Yield
-8.0%

On $120,750 invested

DSCR Ratio
0.71x

Negative debt coverage

5-Yr Leveraged ROI
+54.4%

Equity + cumulative cash

Financing Scenario Controls
Adjust down payment & rates to model your personalized return

Monthly Cash Flow Breakdown

Monthly Operating Deductions
Property Taxes (0.98% of basis)-$253/mo
Homeowner / Hazard Insurance-$263/mo
Vacancy Reserve (5% of rent)-$158/mo
Repairs & Maintenance (10% of rent)-$317/mo
Property Management (8% of rent)-$253/mo
Total Pure Operating Expenses-$1,244/mo
Net Investor Cash Flow
Gross Scheduled Rent+$3,167/mo
Less: Operating Expenses-$1,244/mo
Net Operating Income (NOI)+$1,923/mo
Less: Debt Service (30yr @ 6.75%)-$2,724/mo
Net Cash Flow
$-801/mo
$-9,617/year
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