Pensacola Homes with Rip Rap Waterfront

Welcome to Pensacola, Florida—a charming coastal city that beautifully blends rich history, vibrant culture, and stunning natural landscapes. Nestled in Escambia County, this gem of the Gulf Coast is renowned for its pristine beaches, lively downtown, and welcoming community. With a subtropical climate, Pensacola offers year-round sunshine, making it an ideal destination for outdoor enthusiasts and sun-seekers alike.

One of the most sought-after features of homes in this picturesque city is their access to rip rap waterfronts. These properties, expertly designed with natural stone barriers, provide both aesthetic appeal and protection from erosion, allowing homeowners to enjoy the beauty of waterfront living while ensuring the safety of their investment. Imagine waking up to the soothing sounds of waves lapping against the shore, indulging in picturesque sunsets from your own backyard, and having direct access to fishing, boating, and other water activities right at your doorstep.

Pensacola’s rich maritime history is complemented by a vibrant arts scene, delicious culinary offerings, and numerous festivals throughout the year. Whether you’re exploring the historic district, relaxing on the sugar-white sands of Pensacola Beach, or indulging in fresh seafood at local eateries, there’s always something to discover.

If you’re considering a move to this enchanting city, homes with rip rap waterfront access offer an unparalleled lifestyle that combines luxury, tranquility, and adventure. Embrace the Pensacola way of life and find your dream home in this coastal paradise today!

Newest Pensacola Homes with Rip Rap Waterfront

$174,900

1 Beds ⋅ 1 Baths ⋅ 689839 MLS ⋅ RiVIera BLDG.

Experience bayfront living at Riviera 615 Condominiums! This spacious 1-bedroom, 1-bathroom condo offers just over 900 square feet, neutral colors, tile flooring throughout, and beautiful bay views from both the living room and primary bedroom. Conveniently located near downtown Pensacola, area beaches, and the interstate, this unit combines comfort with an ideal location. The good-sized dining area is open to the living room, which features crown molding, plenty of space to relax, and a sliding glass door leading to your private balcony overlooking the bay, courtyard, and pool. The kitchen offers white cabinetry, stainless steel appliances, tile backsplash, tray ceiling with ceiling fan, pantry, and built-in shelving. Storage is abundant throughout the unit, including an additional hall closet perfect for linens and more built-in shelving directly across from the bathroom. The bathroom features tile flooring, a newer fully tiled walk-in shower, newer white vanity with solid-surface countertop, and black-framed mirror. The primary bedroom offers ample storage, ceiling fan, stunning bay views, and direct access to the private balcony. Recent updates include a newer HVAC system and water heater, while the condo building also has a recently replaced roof. Community amenities include a bayfront in-ground pool, courtyard, picnic areas, library, community room with kitchen, assigned covered parking, guest parking, secured storage for each unit, security cameras, backup generator, and 24-hour doorman. Quarterly common charges include basic cable, high-speed internet, water, sewer, and trash service. This is a pet-free facility. Whether you're looking for a full-time residence, a low-maintenance retreat, or a place to enjoy beautiful bayfront views, this condo offers a wonderful opportunity to enjoy the Pensacola lifestyle.

615 Bayshore Dr Unit #206, Pensacola

$550,000

689383 MLS

Waterfront lot downtown Gated Community with deep water boat slips coming. Beautiful high elevation waterfront lot available in historic gated downtown Muscogee Wharf subdivision originally dating back to 1800s… Lot has approx. 14ft elevation, with 100 yr steel seawall. HOA Plans and permit available for 13 deep water boat slips (each owner) to be built at the subdivision pavilion. Per US Army corps of engineers permitting dept. Lot has unobstructed views of downtown Pensacola and Pensacola Bay from front and rear. No lots across the street to obstruct views. Build your dream home up to 55ft height allowance, from 2500 sf to well over 6000+ sq ft …30A style. Alys's beach or rosemary beach styled, brick or stucco… Lot has never flooded and lot ready to build. Excellent fishing from pavilion with 12 ft depth. A fantastic value at $550,000 Building Lot in x flood zone. See survey.

4 Wharf Ave, Pensacola

$2,140,000

3 Beds ⋅ 3 Baths ⋅ 688894 MLS

Architectural Masterpiece in Prestigious Grande Lagoon with Gulf Views & Resort Amenities. Indulge in unparalleled coastal luxury in this one-of-a-kind, 3-bedroom, 3-bathroom contemporary waterfront estate located in the highly sought-after, prestigious Grande Lagoon subdivision. Designed for those who demand the extraordinary, this residence perfectly pairs cutting-edge modern architecture with breathtaking natural beauty. A private residential elevator provides seamless access across every level of this magnificent home. The heart of the estate is a massive Great Room, anchored by a commanding large fireplace and soaring windows framing the water. Overlooking this impressive space is an open, flexible Dining Space or Pool Room—complete with a dedicated butler's pantry for flawless hosting and its own private deck overlooking the Intracoastal. The main chef’s kitchen is a sleek culinary haven boasting premium granite counters and an industrial-sized refrigerator, serviced by a sophisticated main-level wet bar. Retreat to the sun-drenched sunroom, or ascend to the absolute crown jewel of the property: a spectacular rooftop deck featuring a private library or entertaining room equipped with its own additional rooftop wet bar. From this ultimate vantage point, you can enjoy unrivaled, panoramic views of gorgeous sunrises, vibrant sunsets, and the sparkling Gulf across decks galore. Also, this home boasts an oversized Garage large enough for 3 or 4 vehicles and a small Boat. Also, when coming in from your water activities, you have the convenience of an Heated Outdoor Shower. As a resident of Grande Lagoon, you will enjoy exclusive access to top-tier neighborhood amenities: A 300-foot saltwater pier perfect for fishing or evening strolls. A pristine private beach and a tranquil freshwater lake. Community tennis courts and a playground.

5692 Grande Lagoon Blvd, Pensacola

$189,000

2 Beds ⋅ 2 Baths ⋅ 688104 MLS ⋅ BayVIew Terrace BLDG.

Welcome to effortless coastal living at Ground Floor Unit #120! This beautifully maintained 2-bedroom, 2-bath condo offers 936 square feet of comfortable living space with stunning bay views right from your own unit. Enjoy low-maintenance living at its finest — spend less time on upkeep and more time soaking in the scenery. Step outside to a beautiful courtyard, take a dip in the community swimming pool, or get in a workout at the on-site fitness room. An in-building laundry room adds everyday convenience. Perfectly positioned just minutes from downtown Pensacola's shops, restaurants, and nightlife, and only a short drive to some of the Gulf Coast's most beautiful beaches, this location truly offers the best of both worlds. Whether you're looking for a low-maintenance primary residence, a weekend getaway, or an investment property, this bay view retreat delivers the coastal Florida lifestyle without the hassle. Don't miss your chance to own a slice of paradise on Scenic Highway! No Short Term Rentals Allowed

710 Scenic Hwy Unit #120, Pensacola

$185,000

2 Beds ⋅ 1 Baths ⋅ 687957 MLS ⋅ BayVIew Terrace BLDG.

OPEN HOUSE 9/6 1-3PM. Welcome to effortless coastal living at 710 Scenic Hwy, Unit #305! This beautifully maintained 2-bedroom, 1-bath condo offers 936 square feet of comfortable living space with stunning bay views right from your own unit. Enjoy low-maintenance living at its finest — spend less time on upkeep and more time soaking in the scenery. Step outside to a beautiful courtyard, take a dip in the community swimming pool, or get in a workout at the on-site fitness room. An in-building laundry room adds everyday convenience. Perfectly positioned just minutes from downtown Pensacola's shops, restaurants, and nightlife, and only a short drive to some of the Gulf Coast's most beautiful beaches, this location truly offers the best of both worlds. Whether you're looking for a low-maintenance primary residence, a weekend getaway, or an investment property, this bay view retreat delivers the coastal Florida lifestyle without the hassle. Don't miss your chance to own a slice of paradise on Scenic Highway!

710 Scenic Hwy Unit #305, Pensacola

$3,100,000

5 Beds ⋅ 5 Baths ⋅ 687363 MLS

Over 70 feet of protected waterfront on Bayou Texar—this custom-built East Hill estate blends French charm with modern Gulf Coast living. Set on a high-elevation 0.67-acre lot with sweeping bay views, the home offers 4BR, 3 full/2 half baths, a private dock, and a detached guest house. Built with insulated concrete forms (ICF) for superior storm resistance and energy efficiency, extras include a synthetic slate roof, whole-house generator, Tesla charging station, water filtration, and well-fed irrigation. The no-wake zone location offers easy, protected access for paddleboarding and kayaking. Inside, 10' ceilings, travertine, and hardwood floors create a light-filled layout. The main level features a formal living room with wood-burning fireplace and bay views, a grand dining room, a family room with gas fireplace, and a chef's kitchen. The downstairs primary suite offers a gas fireplace, picture window with water views, spa-style bath, and walk-in closet. Upstairs: three bedrooms, two full baths, a sitting area, office, and walk-in attic storage. Flex spaces include a photography studio, full gym, and workshop—perfect for remote work or creative use. Outside, mature live oaks and lush landscaping surround a gunite pool with peacock pavers. The guest house offers a full bedroom and bath for visitors. Minutes from downtown Pensacola, hospitals, and beaches, this rare waterfront property delivers privacy, durability, and an exceptional coastal lifestyle.

1725 E La Rua St, Pensacola

$1,475,000

5 Beds ⋅ 5 Baths ⋅ 685947 MLS

BACK ON THE MARKET AT NO FAULT OF THE SELLER! DEEP WATER WATERFRONT! LOCATION, LOCATION, LOCATION! Welcome to 13711 Canal Drive, where the world can truly be your oyster. Nestled along the Intracoastal Waterway in beautiful Perdido Key, this exceptional waterfront retreat offers versatility and endless possibilities. With NO HOA, short-term rentals allowed, and over 4,000 square feet of living space, this property has it ALL! Designed for multigenerational living, this unique split-level home offers two residences in one. Upstairs includes 3 bedrooms, 2.5 baths, vaulted wood ceilings, kitchen, spacious living and dining rooms, Florida room, and breathtaking water views. Downstairs includes 2 bedrooms, 2.5 baths, full kitchen, large living area, recreation room, private entrance, and direct pool access—perfect for an in-law suite, guest quarters, or rental opportunity. Step outside to your private Florida oasis featuring an in-ground pool, covered and open decks, deep-water dock accommodating multiple boats and jet skis, plus room for RV and boat trailers. Metal roof, three HVAC units, storm shutters, and updated flooring add to the home's appeal. Relevant items identified during previous home inspections have been mitigated. Property is being sold AS IS. Enjoy a Florida address minute from Perdido Key's sugar-white beaches, Johnson Beach National Seashore, Orange Beach, AL, the iconic Flora-Bama, restaurants, shopping, Publix, marinas, parks, and boating. Experience spectacular sunrises, unforgettable sunsets, and the ultimate Gulf Coast lifestyle from your backyard. Whether you're searching for a waterfront retreat, short-term rental opportunity, or a home for family and guests, 13711 Canal Drive delivers deep-water access, flexibility, stunning views, and an incredible Gulf Coast location.

13711 Canal Dr, Pensacola

$860,000

3 Beds ⋅ 3 Baths ⋅ 681788 MLS

If you crave breathtaking sunsets & a front-row seat to the best coastal living, this home delivers million-dollar unobstructed western views over Perdido Bay year-round! Life here naturally gravitates toward the water. Spend days on the 20x24 covered boathouse with built-in benches, cypress swing & two jet-ski lifts. A 100-foot dock leads you straight to the bay, where dolphin play and bald eagles, osprey, herons & pelicans glide overhead. You can even brag that the U.S. Navy Blue Angels practice right in view of your backyard. Two of the three en-suite bedrooms capture those same sweeping bay views, as do the spacious living area, kitchen, breakfast nook, and the 30x10 Sunroom room fitted with new Eco-View windows. With nearly half an acre and 80' of protected waterfront (secured by a seawall), you’ll have plenty of outdoor living, gardening, or simply relaxing under the shade of two mature oak trees. Whether you’re hosting a crowd or enjoying a quiet evening, you’ll have options: a large open deck for al fresco dining or a generous indoor dining area. Interior features: Solid oak wood flooring in entry, hallways, dining room & living room, Ceramic tile throughout the rest of the home--no carpet, easy maintenance--No Stairs! Wood-burning corner fireplace, 2-car garage with built-in shelving, Washer, dryer, garage refrigerator, and chest freezer convey, SimpliSafe security system. 2025 Thor electric stovetop, SS LG refrigerator & wall oven/microwave combo, Fresh interior paint (2024), Electrical panel replaced April 2026 (separate panels for hot tub, dock & HVAC, Roof (2022), HVAC & thermostat (2020), Water heater (2021). Termite bond with Critter Gitter (renews in January). The community’s voluntary HOA—just $60/year—provides access to boat ramp, picnic table, benches, swing, BBQ. when you do decide to leave paradise, you’re only 20 mins from Cordova Mall, the airport, Downtown Pensacola, and Perdido Key Beach.

3491 Maikai Dr, Pensacola

$750,000

2 Beds ⋅ 3 Baths ⋅ 679903 MLS

Stunning Creole-Style Home with 100' of Deeded Perdido Bay Waterfront. Wake up to breathtaking, unobstructed views of Perdido Bay from this custom-built Creole-style home on a spacious lot with 100 feet of deeded waterfront, riparian rights, and a natural beach. Set approximately 100 feet back from Lillian Highway, the home offers privacy while showcasing classic Southern architecture with full-width covered porches on both levels, five sets of French doors, and a circular driveway that enhances its timeless curb appeal. The inviting front entry opens to a spacious great room, flanked by a formal dining room and a versatile flex room currently used as a den. The flex room features a wet bar, storage closet, and French doors leading to the front porch—perfect for entertaining or relaxing. Designed with both function and style in mind, the kitchen features a granite peninsula overlooking the great room, stainless steel appliances, a gas cooktop, double wall ovens, built-in desk, abundant cabinetry, and a separate pantry. The adjoining breakfast area opens to a covered paver walkway leading to the detached garage and a large paver patio, creating seamless indoor-outdoor living. A spacious laundry room completes the main level. The downstairs bedroom serves as a luxurious guest suite with a large walk-in wardrobe, jetted tub, and separate shower. The entire upper level is dedicated to the private primary retreat, featuring panoramic bay views, a spacious bedroom, oversized walk-in closet, and a spa-inspired bath with double vanities, jetted tub, and separate shower. A private office with its own wet bar provides the perfect space for a coffee station, home office, or evening retreat while enjoying spectacular sunsets over Perdido Bay.

10225 Lillian Hwy, Pensacola

$285,000

2 Beds ⋅ 2 Baths ⋅ 681625 MLS ⋅ RiVIera BLDG.

Life doesn’t get easier than a ground-floor unit at Riviera 615, and this move-in-ready, beautiful waterfront 2-bedroom/2-bath condo is just waiting for you! The Riviera is a premier condo community located less than a mile from the Pensacola Country Club and only minutes from the Pensacola Yacht Club, NAS, and downtown Pensacola. With this ground-floor walkout, there is no need to wait for the elevator; you can easily access the swimming pool, lawn, and waterfront, or simply relax on your large covered patio and watch the Blue Angels fly by. Inside, the unit has been thoughtfully updated and has tile flooring throughout and impact sliding glass doors in every room which keep the space bright and inviting. The split-bedroom floor plan provides privacy for guests, with the primary bedroom featuring a walk-in shower and a large closet. The complex offers 24-hour security, a door attendant and onsite manager. This unit comes with two garage spaces along with ample unassigned parking for guests. In addition to the pool, amenities include a library, a gathering room with a piano, a sauna, a community room with a catering kitchen, and laundry facilities on each floor. Please note that short-term rentals and pets are not allowed, ensuring a tranquil environment for all residents. Don't miss seeing this lovely unit!

615 Bayshore Dr Unit #102, Pensacola

$1,499,000

4 Beds ⋅ 3 Baths ⋅ 680600 MLS

Waterfront Wonderland on Perdido Bay – with Dolphins, Fishing & Crabbing! Wake up to sparkling sunrises over Perdido Bay and let the soothing sounds of the water set the tone for your day. This gorgeous Mediterranean-inspired home isn’t just a house—it’s a front-row seat to paradise, complete with daily dolphin sightings and endless fun right from your backyard! Step inside and fall in love with the warm, inviting vibe. The first floor is decked out with authentic Mexican Saltillo tile that adds a splash of charm, while an open-concept layout keeps the kitchen, dining, and living spaces flowing effortlessly together. Picture cozy evenings by the fireplace, mornings with coffee in the sunroom, and every meal served with a side of breathtaking bay views.Head upstairs to your dreamy master retreat, where a fireplace, spa-worthy bath with Jacuzzi tub, and panoramic water views make every day feel like a vacation. And when it’s time to play. Step outside to the newly built Catwalk dock—perfect for fishing, crabbing, or simply watching the dolphins put on a show as the sunsets.This home also comes packed with perks: a whole-home generator (hello, peace of mind!), an artist’s studio that can double as an office or 5th bedroom, a cedar closet, laundry chute, tankless water heater, and more. All this, wrapped up with modern amenities, timeless design, and a $10,000 flex-credit to make it your own. Don’t just live by the bay—live the bay life with dolphins, fishing, crabbing, and pure coastal bliss. Buyer to verify all information during due diligence.

5460 N Shore Rd, Pensacola

$1,249,000

4 Beds ⋅ 4 Baths ⋅ 679999 MLS

Step into a rare kind of waterfront living—Shared boardwalk and pier and breathtaking Pensacola Bay views showcased from multiple vantage points. The pictures don't do it justice; come see it! Tucked inside the prestigious gated community of Country Club Place along Pensacola Bay, this exceptional residence offers one of only four coveted waterfront homes, blending luxury, privacy, and peace of mind. Perched on a solid 50-piling foundation, the home is designed for both beauty and durability, with sweeping, unobstructed water views. Here, you can fully embrace the waterfront lifestyle—morning coffee overlooking the Bay, sunset reflections filling your living spaces—without the typical maintenance concerns. Flood insurance is NOT even required by a lender here. The seawall and waterfront access are thoughtfully managed through the HOA, allowing you to enjoy it all without the hands-on responsibility. Spanning over 4,000 square feet, the home offers 3 bedrooms plus a flexible office (easily converted to a fourth bedroom), along with 3.5 bathrooms. Two luxurious primary suites—each with expansive windows framing serene water views. Upstairs, accessible by both stairs and elevator, the primary suite is a private sanctuary featuring a spa-like bath with dual vanities, a jetted soaking tub, separate shower with dual showerheads, and a custom walk-in closet. Guests are treated to their own dedicated level, complete with a full kitchen and second living area—perfect for extended stays or multi-generational living. On the main floor, an additional bedroom offers accessibility features including a roll-in shower and handicap-accessible sink, ensuring comfort for all. Impact-rated doors and windows along the Bay provide added protection, while a 2021 roof replacement adds further peace of mind. Beyond the home, residents enjoy exclusive access to a shared dock, scenic boardwalk, and launch area for kayaks and paddleboards—creating a true lock-and-leave waterfront living

1606 Waters Edge, Pensacola

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