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Single Family ResidenceResidential
$309,860$151 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $106,000 on Aug 1, 1995

866 VALLEY RIDGE DR

PENSACOLA, FL 32514
3
Baths
2,049 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1993
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$310K
$288K low$331K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$106,000 · Aug 1, 1995
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$140,226
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$112,181
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.55%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$89,551
JPMORGAN CHASE BANK NA · recorded Jun 2, 2005
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$80,083
JPMORGAN CHASE BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$976 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$109,523 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$106,437
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$223,802

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyEscambia
Lot (acres)The size of the land the home sits on, from county records.0.23
ConstructionThe main material the home's frame and walls are built from.Brick
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Finished
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 192 ft²Porch · 12 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Lipscomb Elementary SchoolB
Elementary · Grades KG–5 · 1.3 mi
H
J. M. Tate High SchoolC+
High · Grades 9–12 · 3.5 mi
M
Ransom Middle SchoolB-
Middle · Grades 6–8 · 6.0 mi

District: Escambia County School District

Neighborhood · ZIP 32514These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.111
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.22

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.40,731
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,937 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,917
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$83,881
Average tempThe average temperature here across a full year.68°F
Annual precipHow much rain and melted snow falls here in a typical year.66 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

866 Valley Ridge Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 66% of homes in Pensacola 32514
  • Bigger than 66% of homes in Pensacola 32514
  • Newer than 70% of homes in Pensacola 32514

What homes are worth in Pensacola 32514

Each bar is how many homes fall in that price range. The marker is this home.

This home
$115K$754K

This home is worth more than 66% of homes in Pensacola 32514.

How it measures up in Pensacola 32514

The dot is this home. The mark in the middle is the typical home in Pensacola 32514.

Estimated value$309,860
CheaperTypical $274,511Pricier

Pricier than 66% of homes nearby

Price per ft²$151
CheaperTypical $150Pricier

Pricier than 52% of homes nearby

Living area2,049 ft²
SmallerTypical 1,796 ft²Bigger

Bigger than 66% of homes nearby

Lot size0.23 ac
SmallerTypical 0.27 acBigger

Bigger than 39% of homes nearby

Year built1993
OlderTypical 1985Newer

Newer than 70% of homes nearby

How 866 Valley Ridge Dr ranks against every home in each area.
MeasureThis homePensacola 32514Escambia County
Estimated valuepricier than$309,86066% of homes61% of homes
Price per ft²pricier than$15152% of homes54% of homes
Living areabigger than2,049 ft²66% of homes65% of homes
Lot sizebigger than0.23 ac39% of homes40% of homes
Year builtnewer than199370% of homes63% of homes

About 866 Valley Ridge Dr

How much is 866 Valley Ridge Dr, Pensacola, FL worth?

The TopHap Estimate for 866 Valley Ridge Dr, Pensacola, FL is $309,860 as of Jul 14, 2026. The likely range is $288,411 to $331,309. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 866 Valley Ridge Dr, Pensacola, FL last sell?

866 Valley Ridge Dr, Pensacola, FL last sold on Aug 1, 1995 for $106,000, according to the county's recorded deed.

How big is 866 Valley Ridge Dr, Pensacola, FL?

866 Valley Ridge Dr, Pensacola, FL has 3 bathrooms, 2,049 square feet of living space and a 0.23-acre lot.

When was 866 Valley Ridge Dr, Pensacola, FL built?

866 Valley Ridge Dr, Pensacola, FL was built in 1993, making it 33 years old. The building has 1 story.

What schools serve 866 Valley Ridge Dr, Pensacola, FL?

866 Valley Ridge Dr, Pensacola, FL is assigned to Lipscomb Elementary School (elementary), rated B; J. M. Tate High School (high), rated C+; Ransom Middle School (middle), rated B-. All sit in Escambia County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 866 Valley Ridge Dr, Pensacola, FL compare to other homes in Pensacola 32514?

Among the 12,758 homes in Pensacola 32514, it is worth more than 66% of them ($309,860 against a typical $274,511), its price per square foot is higher than 52% of them ($151 against a typical $150), it is bigger than 66% of them (2,049 ft² against a typical 1,796 ft²), its lot is bigger than 39% of them (0.23 ac against a typical 0.27 ac) and it is newer than 70% of them (1993 against a typical 1985). Measured against all of Escambia County, it is worth more than 61% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 866 Valley Ridge Dr, Pensacola, FL?

The 2024 property tax bill for 866 Valley Ridge Dr, Pensacola, FL was $976. The county assessed it at $109,523.

Closest homes

More homes in Pensacola 32514

Assigned schools

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