Own This Property for $55k Down + $2297/month – No Bank, No Credit Check!
Commercial Land for Sale in Pensacola
Plant your business along one of Pensacola’s busiest commercial corridors – N. Davis Hightway. For investors and business owners looking for both equity growth and operational revenue, this is the city’s “value” zone as residential development continues to expand north.
- High Visibility – roughly 37k vehicles per day
- Near High End Residential Neighborhoods
- Easy Access – Curb Cuts in Place
- Very Buildable: Flexible Zoning, No Floodplain
- Newly Cleared Build Zone
- Utilities – Power & Water along Road
- Lowest Priced 2+ acre Commercial Lot in the Area . . . by far!
- Owner Financing & Lease-to-Own Options
Position your business in one of Pensacola’s most traveled corridors with this 2.65-acre vacant commercial property along N. Davis Highway in Pensacola, Florida. Recently cleared with exceptional visibility, flexible zoning, and easy access already in place, this site is primed for development. Located along bustling N. Davis Highway, this property benefits from approximately 37,000 vehicles per day, delivering constant exposure for retail, office, medical, or mixed-use development. Surrounded by established and high-end residential neighborhoods, the site offers built-in demand and strong demographics—ideal for businesses that rely on steady local traffic. Easy, development-ready access is provided by 220 feet of road frontage, curb cuts already in place that lead into approximately a 1 acre cleared and mulched zone (with another 1.65 acres on the south side of the creek), and water & power lines along the frontage, significantly reducing upfront development costs and streamlining your path to construction. Furthermore, the property carries Mixed Use zoning, allowing for a wide range of commercial or blended residential-commercial concepts. The topography is accomodating too, as the land is free of any floodplain encroachments, very flat, and highly buildable—minimizing site prep challenges. Offered well below market value, with owner financing available, this is a rare opportunity to secure prime Pensacola frontage with flexible terms.
High-traffic commercial land with utilities, zoning flexibility, and easy access is increasingly difficult to find. Grab this today at an unbeatable Acretown price!
Call or text Scott directly at 314.639.9777 or email info@acretown.com if you have any questions or would like to make an offer.
Si habla español, por favor pida por Andy en nuestro equipo y él estará encantado de ayudarle.
We’ve posted a lot of info below – including critical instructions for visiting the property – so please keep reading!
Best Deal in the Market – Check Zillow or Redfin and You’ll Agree!
After opening this map, you may see even more information about the area by clicking on Map Legend, then Overlays.
- CASH PRICE: $199,900
- OWNER FINANCED DEAL: $55k down, $2297/month – no bank, no credit check (see full details in FINANCING section below)
- ADDRESS: 9820 N Davis Hwy, Pensacola, FL 32514
- SIZE: 2.65 acres
- GPS COORDINATES: 30.536606, -87.200869
- PARCEL #: 02-1S-30-0601-000-009
- ABRIDGED LEGAL DESCRIPTION: Lts 9 10 And Nely 20 Ft Of Lt 11 Hillside S/D Pb 1 P 43 Or 9094 P 1936 Or 9119 P 579
- FULL LEGAL DESCRIPTION: view here
- PLAT MAP/SURVEY: view here (get County’s boundary/KML file here – opens in Google Earth)
- TITLE: General Warranty deed (clean – no back taxes, no liens)
- MINERAL RIGHTS: any mineral rights we own will convey to buyer (we have no knowledge of severance of mineral rights by a previous owner)
- DIMENSIONS (approximate): 220′ x 525′
- FLOODPLAIN: none
- WETLANDS: narrow creek channel that cuts thru appoximate middle of property (see map here)
- ELEVATION: 76 feet
- TERRAIN: generally flat
- CONDITION: cleared front, wooded back
- ACCESS: 220 feet of direct frontage on N. Davis Hwy, a paved public thoroughfare
- POWER: available thru Gulf Power (1.800.225-5797, https://www.fpl.com)
- WATER: available thru Utilities Authority (850.476.0480)
- WASTEWATER: septic system would need to be installed
- The built-in savings you receive on all Acretown properties frees up extra money to install a variety of conventional and more modern, non-conventional septic systems, like mound systems, pressurized dosing, plastic chamber leach fields, aerobic treatment, etc. (which have become popular solutions in rare cases of non-satisfactory perc tests).
- TAXES: $2152.93 in 2025
- HOA: none
- DEED RESTRICTIONS: none
- ZONING: Mixed Use – Urban
- residential uses possible
- commercial uses possible
- setbacks: typically 10-20 feet from front (road) and rear property line, and 5-10 feet from side lines
- SCHOOL DISTRICTS: Ferry Pass (Elementary) – Ferry Pass (Middle School) – Washington (High School)
- NEAREST AIRPORT: Pensacola International (18 mins)
- COUNTY GOVERNMENT:
- Assessor 850-434-2735
- Treasurer (850) 438-6500
- Clerk/Recorder (850) 595-4310
- Planning & Zoning (850) 595-3475
- County GIS
coming soon . . .
OWNER FINANCING: We do offer owner financing under the following terms:
- Owner Financed Price = $219,900
- Down Payment = $55,000
- Monthly Payment = $2297.17
- Term = 10 years
- Interest Rate = 10.9%
- No Pre-Payoff Penalty!
- No Bank, No Credit Check!
We have a two-week waiting period after the posting of our original MLS listing before we open up the owner-financing option. Also, if you would like to make a larger down payment in exchange for a slightly lower interest rate and/or fewer payments, we can certainly accomodate that, so just let us know! Or you don’t have the full payment now but expect to have it within the next 90 days? We may be able to custom design an installment plan that works for you, so just reach out to us and ask. If you’d like to buy this property via owner financing, call or text Scott directly at 314.639.9777 or email him at info@acretown.com and we’ll get you set up!
LEASE TO OWN: We also offer lease to own options for our commercial properties. For this property, our basic terms are:
- Down Payment = $15,000
- Monthly Payment = $2,000
OUTSIDE FINANCING: Your best deal for third-party financing will come from Farm Credit of Northwest Florida and E-Construction Loans and their details are below:
Farm Credit of Northwest Florida is one of the best local land lenders in the area for rural properties and they require as little as 15% down up to a 15-year term, with interest rates as low as 9%, with no pre-payoff penalties. Please contact them at (850) 623-0407 or visit their nearest office for more information: 5336 Stewart St, Milton, FL 32570. They do serve Florida.
E-Construction Loans, Tim Jarvis, timjarvis@sbcglobal.net, (408) 238-4606: Tim is a land lender and offers loans at 10% down, 25-year amortization and a balloon payment in 10 years. Please contact him for all the details. They do serve Florida.
Pensacola’s outdoor scene is right at your fingertips, with easy access to Pensacola Beach for sugar-white sand, swimming, and sunset walks along the Gulf, plus Johnson Beach National Seashore for a quieter, more natural stretch of shoreline that’s great for beachcombing, wildlife viewing, and unplugging for the day. One of the gleaming gems of Pensacola lies right on the shoreline in the form of Whibbs Community Maritime Park, which hosts Blue Wahoos baseball games – minor league affiliate for the MLB’s Miami Marlins. Fast Eddie’s Fun Center is a rip-roaring good time too! For more subdued R&R, Regency Park is a solid go-to for casual recreation like walking paths, open green space, and everyday outdoor time close to home. Ferry Pass offers a plethora of major big box shopping too, including TJ Maxx, Walmart, and Hobby Lobby, plus a massive selection of both casual and fine dining locales.
NEARBY – Regency Park (6 mins), Hitzman-Optimist Park (11 mins), Fast Eddies Fun Center (15 mins), Blue Wahoos Stadium/Whibbs Community Park (20 mins), Pensacola Beach (27 mins), Park West (31 mins), Langdon Beach (44 mins), Johnson Beach National Seashore (46 mins), and more!
FERRY PASS/PENSACOLA (5 mins, nearest major shopping w/Walmart, Target, Kohl’s, Ross, TJ Maxx, Hobby Lobby, Academy, & much more)
DESTIN (1 hr 13 mins, more pristine beaches)
You can go view the property at your convenience – owner does not need to accompany. Please call/text us to let us know you’re heading out, so we can (1) confirm its availability (our land does sell fast), and (2) ensure we have our phone on us in case you need help or have any questions. We’d appreciate a couple hours notice if possible. In case you lose cell phone service, it may be helpful to print off as many helpful documents as you can before you head out there.
DRIVING DIRECTIONS: Click HERE to open the destination in Google Maps, and simply enter your starting point to get step-by-step directions.
- From this link, you can press “Directions” (on the left), enter your starting point, and Google Maps will provide you with step-by-step directions.
- You can also click “Send to Phone” if you’re viewing this on your computer
- And “Save” to download the directions so they’ll still work if you lose cell service.
If for some reason you’re having trouble with that link, you can navigate to GPS coordinates: 30.536606, -87.200869
WALKING THE PROPERTY LINES w/YOUR PHONE: We highly recommend downloading Google Earth to your phone if you don’t already have it. Then . . .
- Download the property boundary file (called a KML or KMZ file) here. You may be prompted to click “download” one more time, so do that . . . OR you may be prompted to immediately open the file with Google Earth and, in that case, do that and ignore the remaining steps. Otherwise . . .
- Open Google Earth
- Go to the main menu (the three horizontal lines at the top left of the screen), then Projects > Open > Import KML file > select the KML file you just downloaded (it should show up on that screen).
Now you should be able to see the property lines on the map, and the green dot represents where you’re currently standing. This is a very important tool to learn BEFORE you head out there. Please call us if you have any questions about it.
Call or text Scott directly at 314.639.9777 or email at info@acretown.com if you’d like to discuss an offer. If you’re a Spanish speaker, please ask for Andy on our team and he’ll be glad to help you.
FOR SALE BY OWNER: We are investors, and are selling this lot For Sale By Owner. You do not need to submit your offer through a real estate agent, and in our experience we close transactions more quickly and easily by having our dedicated transaction coordinator work directly with the Title Company and Buyers. We will also both save money on commission/fees by cutting out agents as the middle men. However, if you feel strongly about working with a realtor, then you’re welcome to have them contact us on your behalf. We do offer 2.5% commission to buyer agents.
WHY ARE YOU SELLING IT SO CHEAP? We are often asked why we price our properties at below market value, and the answer is really simple: because we can, and that’s our core business model. We are investors who purchase properties at a large volume and deeply liquidated rates, and by passing this discount on to our buyers, we can sell land quickly . . . and more of it! In fact, our average property only lasts 2-3 weeks on the market (vs. industry average of about 6 months).
DISCLAIMER: We attempt to provide detailed, accurate and up-to-date information in our listings, in order to help our buyers to the best of our ability. However, it ultimately remains the buyer’s responsibility to perform their own due diligence and double check any details that are of significant importance to you including acreage, utilities, buildability, and approved/allowable useage for the property. We are happy to help however we can.