Beach Condo Financing on Keys and Lending Bloghttps://blog.keysandlending.com/tags/beach-condo-financing/Recent content in Beach Condo Financing on Keys and Lending BlogHugoen-usWed, 21 Oct 2026 07:20:00 -0500Pensacola Beach Leasehold Homes: What Buyers Need to Knowhttps://blog.keysandlending.com/posts/pensacola-beach-leasehold-explained/Wed, 21 Oct 2026 06:20:00 -0500https://blog.keysandlending.com/posts/pensacola-beach-leasehold-explained/<p><strong>When you buy a home on Pensacola Beach, you buy a leasehold, not the land.</strong> The land belongs to <strong>Escambia County</strong> and is leased through the <strong>Santa Rosa Island Authority (SRIA)</strong>, usually in terms of up to 99 years. You own the home or condo and the remaining lease term, and you can usually finance, sell, and pass it on much like any other home.</p> <p>We&rsquo;re <strong>Angee Kent, REALTOR®, LPT Realty</strong> and <strong>Jay Spurlin (Coastal Funding Corporation, NMLS 183681)</strong>. Leaseholds confuse a lot of buyers, so here&rsquo;s our plain-English guide from both the real estate side and the mortgage side.</p>