540 S 1st St Pensacola, FL 32507
Warrington Neighborhood
3
Beds
1
Bath
1,001
Sq Ft
6,098
Sq Ft Lot
Highlights
- Updated Kitchen
- No HOA
- Formal Dining Room
- Pensacola High School Rated A-
- Cottage
- Double Pane Windows
About This Home
As of June 2025Welcome to the cutest new cottage in Pensacola, just two blocks from the water! This completely remodeled 1943 cottage in downtown Pensacola is a true gem, bursting with vibrant colors and modern details. The exterior features custom stained wood shutters, fresh paint, and a fenced yard, all framed by majestic large oak trees. Inside, this charming home offers 3 bedrooms and 1 full bath, with custom-built bunk bed built-ins that maximize space and comfort, allowing it to sleep up to 8 guests. Ideal for a family or as a short-term rental property, especially with no HOA restrictions. The brand-new kitchen is a highlight, showcasing custom butcher block countertops, new cabinets, a stylish tile backsplash, and all new stainless steel appliances, including a new oven and hood. A breakfast bar opens to the living room, creating a perfect space for casual dining and socializing. Conveniently located just off the kitchen is a convenient laundry nook. New spray foam in both the crawlspace and the attic, enhancing energy efficiency throughout the home. New flooring and paint flow throughout the home, enhancing its fresh, modern feel. From the dining room, step out onto the newly built landing and stairs that lead into the inviting side yard, perfect for entertaining or relaxing. Additional features include brand new fixtures, hardware, and interior doors. The bedrooms boast custom built-in shelves, adding both functionality and charm. Outside, the property is beautifully landscaped and includes a versatile shed/workshop in the backyard. While the home retains the history and charm of its 1943 origins, the effective year is 1990, which should help with insurance. Not to mention the brand NEW HVAC system and NEW water heater, and recent (2017) roof! This little retreat combines historic appeal with modern amenities, making it a perfect home or investment opportunity in the heart of Pensacola. Don’t miss out on this unique find!
Last Agent to Sell the Property
Levin Rinke Realty Brokerage Email: hilarybrady850@gmail.com Listed on: 05/17/2024
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $1,407
Year Built
- Built in 1943
Lot Details
- 6,098 Sq Ft Lot
- Privacy Fence
- Back Yard Fenced
Home Design
- Cottage
- Hip Roof Shape
- Off Grade Structure
- Shingle Roof
- Block Exterior
Interior Spaces
- 1,001 Sq Ft Home
- 1-Story Property
- Ceiling Fan
- Double Pane Windows
- Blinds
- Formal Dining Room
- Inside Utility
- Carpet
- Smart Thermostat
Kitchen
- Updated Kitchen
- Breakfast Bar
Bedrooms and Bathrooms
- 3 Bedrooms
- Remodeled Bathroom
- 1 Full Bathroom
Parking
- 2 Parking Spaces
- Driveway
Schools
- Warrington Elementary School
- Warrington Middle School
- Pensacola High School
Utilities
- Central Heating and Cooling System
- Baseboard Heating
- Electric Water Heater
- High Speed Internet
- Cable TV Available
Community Details
- No Home Owners Association
- New Warrington Subdivision
Listing and Financial Details
- Assessor Parcel Number 512S307062490037
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
May 17, 2024
Closed on
Jun 13, 2025
Sold by
Swg Llc
Bought by
Moore Amelia Elena
Seller's Agent
Hilary Brady
Levin Rinke Realty
Buyer's Agent
Krystal Reeves
Reeves Realty LLC
List Price
$199,500
Sold Price
$195,000
Premium/Discount to List
-$4,500
-2.26%
Views
219
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
46.24%
Original Mortgage
$191,468
Outstanding Balance
$191,303
Interest Rate
6.76%
Mortgage Type
FHA
Estimated Equity
$21,510
Purchase Details
Closed on
Jun 8, 2022
Sold by
Mason Cummings
Bought by
Cummings Robin
Purchase Details
Closed on
Aug 15, 2013
Sold by
French M D
Bought by
Cummings Mason and Cummings Robin
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$32,945
Interest Rate
4.29%
Mortgage Type
Seller Take Back
Purchase Details
Closed on
Apr 5, 2005
Sold by
Austin William E and Austin French M
Bought by
Gelano Giovanni and Gelano Rissa
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$29,000
Interest Rate
5.62%
Mortgage Type
Seller Take Back
Purchase Details
Closed on
Apr 4, 2005
Sold by
Sappp Deborah M and Echols Deborah M
Bought by
Austin William E and Austin French M
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$29,000
Interest Rate
5.62%
Mortgage Type
Seller Take Back
Similar Homes in Pensacola, FL
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $195,000 | Pure Title | |
| Warranty Deed | $195,000 | Pure Title | |
| Warranty Deed | $100 | -- | |
| Warranty Deed | $36,800 | Attorney | |
| Warranty Deed | $30,000 | -- | |
| Warranty Deed | $15,000 | Surety Land Title Of Fl Llc |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $191,468 | FHA | |
| Closed | $191,468 | FHA | |
| Previous Owner | $140,000 | New Conventional | |
| Previous Owner | $32,945 | Seller Take Back | |
| Previous Owner | $29,000 | Seller Take Back |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 06/15/2025 06/15/25 | Off Market | $199,500 | -- | -- |
| 06/13/2025 06/13/25 | Sold | $195,000 | -2.3% | $195 / Sq Ft |
| 06/06/2025 06/06/25 | For Sale | $199,500 | 0.0% | $199 / Sq Ft |
| 05/27/2025 05/27/25 | Off Market | $199,500 | -- | -- |
| 05/10/2025 05/10/25 | Pending | -- | -- | -- |
| 05/05/2025 05/05/25 | Price Changed | $199,500 | -7.4% | $199 / Sq Ft |
| 04/09/2025 04/09/25 | Price Changed | $215,500 | -2.0% | $215 / Sq Ft |
| 03/13/2025 03/13/25 | For Sale | $219,900 | 0.0% | $220 / Sq Ft |
| 09/16/2024 09/16/24 | Pending | -- | -- | -- |
| 07/26/2024 07/26/24 | Price Changed | $219,900 | -8.3% | $220 / Sq Ft |
| 07/01/2024 07/01/24 | Price Changed | $239,900 | -3.2% | $240 / Sq Ft |
| 06/07/2024 06/07/24 | Price Changed | $247,900 | -0.2% | $248 / Sq Ft |
| 06/02/2024 06/02/24 | Price Changed | $248,500 | -0.2% | $248 / Sq Ft |
| 05/17/2024 05/17/24 | For Sale | $249,000 | -- | $249 / Sq Ft |
Source: Pensacola Association of REALTORS®
Tax History Compared to Growth
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2024 | $1,407 | $132,274 | $35,000 | $97,274 |
| 2023 | $1,407 | $77,264 | $0 | $0 |
| 2022 | $1,257 | $106,308 | $23,000 | $83,308 |
| 2021 | $1,133 | $85,707 | $0 | $0 |
| 2020 | $998 | $71,853 | $0 | $0 |
| 2019 | $942 | $67,999 | $0 | $0 |
| 2018 | $798 | $47,976 | $0 | $0 |
| 2017 | $766 | $44,693 | $0 | $0 |
| 2016 | $761 | $43,599 | $0 | $0 |
| 2015 | $719 | $41,774 | $0 | $0 |
| 2014 | $453 | $24,522 | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Hilary Brady
Seller's Agent in 2025
Hilary Brady
Levin Rinke Realty
(850) 503-9345
5 in this area
67 Total Sales
-
Krystal Reeves
Buyer's Agent in 2025
Krystal Reeves
Reeves Realty LLC
(850) 712-0148
1 in this area
33 Total Sales
Map
Source: Pensacola Association of REALTORS®
MLS Number: 645808
APN: 51-2S-30-7062-490-037
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