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Property Description
Anchoring the Downtown Pensacola bayfront, this 2018-built waterfront home is in like new condition and one of the few that truly delivers on both design and fortified construction. With approximately 8,000 square feet under roof (5,200+ heated and cooled, 1,400 of conditioned 4 car garage space, approximately 1500 sq. ft of covered and finished exterior decks). What sets it apart is what you don't always see. Concrete and 2x8 construction, a 50-year concrete tile roof by Boral, and built to full high-velocity wind zone standards. Up to 10 ft tall HVWZ "High Velocity Wind Zone" doors and windows from Kolbe & Kolbe which are engineered for up to 200 mph wind zone. Inside, a true chef's kitchen with Sub-Zero and Wolf appliances anchors the main living space, with a natural flow into dining and gathering areas. Additional spaces include a media room, a dedicated office custom designed for two, home gym with media access and beverage station overlooking heated infinity style pool and Pensacola bay. A large elevator services all 3 levels for convenience. Out back, the setup is impressive with 3 levels of entertaining space. Exterior features include a heated gunite pool, outdoor kitchen with new built in Coyote grill, Brick fireplace with media connections, framed by concrete and brick privacy walls. A whole-home 45kW gas generator is already in place. Out front unobstructed views of Pensacola Bay and Downtown Pensacola with no vacant lots or future homes to be built sets apart this particular properties location. Positioned at approximately 16 feet of elevation and located in an X flood zone, this is a true 30A style waterfront property that offers exclusivity and enjoyment of downtown Pensacola including restaurants, shopping and community events. This small community of only 13 parcels offers a rare combination of exclusivity and privacy.
Full Property Details
Full Property Details for 12 Wharf Ave
General
- Price: $5,250,000
- HOA FEE: $2,000
- Status: Active
- Type: Single Family
- Source: Pensacola
- MLS ID: 680072
- Updated: 4/4/2026
- Added to Site: 1 day(s) ago
Interior
- Interior Features: Storage, Baseboards, Bookcases, Cathedral Ceiling(s), Ceiling Fan(s), Crown Molding, Elevator, High Ceilings, High Speed Internet, Recessed Lighting, Sound System, Wet Bar, Central Vacuum, Gym/Workout Room, Media Room, Office/Study
- Fireplace: Yes
- Fireplace(s): Two or More
- Appliances: Gas Water Heater, Tankless Water Heater/Gas, Dryer, Washer, Wine Cooler, Built In Microwave, Dishwasher, Disposal, Double Oven, Freezer, Refrigerator, Self Cleaning Oven
- Flooring: Hardwood, Stone, Tile
Rooms
Bathrooms
- Total Bathrooms: 6
- Full Bathrooms: 5
- Half Bathrooms: 1
Bedrooms
- Total Bedrooms: 5
- Bedroom 1: 18 x 15, Third Level, 270 Sq. Ft.
- Bedroom 2: 19 x 15, Third Level, 285 Sq. Ft.
- Bedroom 3: 15 x 13, Second Level, 195 Sq. Ft.
- Bedroom 4: First Level
Other Rooms
- Kitchen: Not Updated, Granite Counters, Kitchen Island, Pantry, Solid Surface Countertops
- Dining Room: Breakfast Bar, Formal Dining Room
- Laundry: Inside, W/D Hookups
Additional Information
- Shared Amenities: Gated, Pavilion/Gazebo, Pier, Security/Safety Patrol, Waterfront Deed Access
- Pool Description: Gunite, Heated, In Ground, Salt Water
- Security/Safety: Security System, Smoke Detector(s)
Exterior
- Exterior Features: Balcony, Outdoor Kitchen
- Deck/Patio: Covered, Porch, Covered Deck
Parking
- Garage: Yes
- Total Spaces: 3
- Parking Features: 4 or More Car Garage, Circular Driveway, Garage Door Opener
Location
- County: Escambia - Fl
- Subdivision: Muscogee Wharf
- Driving Directions: Downtown Bayfront Pensacola. 1 mile from Palafox st downtown.
School Information
- Elementary School: A.K. Suter
- Middle School: WORKMAN
- High School: Pensacola
Community
- Gated community: Yes
- Association: Yes
- Pets Allowed: Yes
Heating & Cooling
- Cooling Type: Multi Units, Ceiling Fan(s)
- Heating Type: Multi Units
Utilities
- Sewer: Public Sewer
- Water: Public
Structural Information
- Architectural Style: Mediterranean
- Construction: Concrete, Frame
- Roof: Clay Tiles/Slate, See Remarks
- Stories/Levels: 3
- Square Feet: 8,000
- Year Built: 2018
- Property Condition: Resale
Lot Features
- Property View: Bay, Water
- Lot Size (Acres): 0.27
- Road Maintenance: Private Maintained Road
- Lot Features: Central Access
- Zoning: Res Single
- Fencing (Description): Back Yard, Privacy
Water Features
- Water Front: Yes
- Water View: Yes
- Water Front Desc.: Bay, Waterfront, Block/Seawall
Financial Considerations
- Price Per Sq. Ft.: $656.25
- Association Fee: $2,000
Disclosures and Reports
- Property ID: 000S009101000080
Listed by EXP Realty, LLC
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Schools
Schools serving 12 Wharf Ave
School District:Escambia County School District, Cantonment, FL
Disclaimer:
School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 12 Wharf Ave
Date
Details
Price
Change
Source
4/03/2026
Listed
$5,250,000
2051.64%
MLS
5/08/2015
Sold
$244,000
—
Public Record
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Tax History
Tax History for 12 Wharf Ave
Year
Property Taxes
Change
Tax Assessment
Change
2024
$28,713
—
$1,779,798
1%
2024
$28,713
1%
$1,767,691
3%
2023
$28,449
41%
$1,721,619
41%
2021
$20,128
-11%
$1,223,604
-22%
2022
$22,668
13%
$1,560,184
55%
2021
$20,128
12%
$1,008,901
-2%
2019
$17,971
410%
$1,029,972
415%
2018
$3,525
-2%
$200,000
—
2017
$3,586
-1%
$200,000
—
2016
$3,636
-1%
$200,000
—
2015
$3,683
3%
$200,000
—
2014
$3,576
-5%
$200,000
—
2013
$3,772
—
$200,000
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 12 Wharf Ave
12 Wharf Ave, Pensacola, FL 32502 (MLS# 680072) is a Single Family property with 5 bedrooms, 5 full bathrooms and 1 partial bathroom. 12 Wharf Ave is currently listed for $5,250,000 and was received on April 03, 2026. Want to learn more about 12 Wharf Ave? Do you have questions about finding other Single Family real estate for sale in Pensacola? You can browse all Pensacola real estate or contact a Coldwell Banker agent to request more information.

