1020 Pine Top Ln, Cantonment, FL 32533 Property Records

Escambia County property record for 1020 Pine Top Ln, Cantonment, FL 32533

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,900 sqft · built 1981
Lot Size	5.03 acres (219,107 sqft)
Owner	2 Individual Names on Record
Last Sale	$490,000 (Jul 2023)
Tax Bill	$4,924 (2024)
Deeds & Mortgages	May 2022 Mortgage Jul 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-1N-31-3111-001-095`

Property Details

APN / Parcel Number

Primary APN	`03-1N-31-3111-001-095`
Alternative APN	`112532600`

Interior

Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,900 sqft Living Area
Gross Area	3,786 sqft
1st Floor Area	1,900 sqft
Basement Area	1,350 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	219,107 sqft (5.03 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Finished Screened Porch
Porch Area	1,548 sqft
Deck Area	320 sqft
Patio Area	320 sqft
Utility Building	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	112532600
Street Address	1020 PINE TOP LN
City	CANTONMENT
State	FL
Zip	32533-7801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	COMMENCE AT A 4 INCH X 4 INCH CONCRETE MONUMENT AT THE SOUTHEAST CORNER OF THE SOUTHWEST QUARTER OF SAID SECTION; THENCE NORTH 00 DEGREES 57 MINUTES 47 SECONDS EAST ALONG EAST LINE OF WEST HALF OF SAID SECTION 1,130.46 FEET, SAID POINT BEING THE POIN
Legal Range	31W
Legal Township	01N
Legal Section	03
Legal Subdivision	SUBDIVISION NUMBER: 3111
Legal Block	95
Legal Lot Number	1
Jurisdiction	ESCAMBIA FL
Township / Civil Division	CANTONMENT
Census Block Group	1
Census Block	1030
Census Tract	3613

Owner

Source: Escambia County records, as of December 31, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1020 PINE TOP LN, CANTONMENT, FL 32533-7801
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC
Jul 14, 2023	Warranty Deed, Transfer · Conventional Mortgage PEN AIR FCU
Jul 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO
Apr 14, 2022	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
May 14, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2023 · Amount on Record
Deed Sale	Jul 14, 2023 · Amount on Record
Prior Sale	Apr 14, 2022 · Amount on Record
Deed Document Number	202356462
Deed Book / Page	9008 / 1716
Prior Transfer Date	Aug 22, 2014
Prior Transfer Doc	0072150654
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	1020 PINE TOP LN, CANTONMENT, FL 32533-7801
Transaction Type	Mortgage
Record Updated	Feb 13, 2024
Title Company	TRUE TITLE, TRUE TITLE ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6536 SMUCKER DR, WESTFIELD CENTER, OH 44251-9607

Mortgage

Document Number	0087821458
Date	May 11, 2022
Book Page	8782/1458
Instrument	2022048627

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Jul 14, 2023
Property Address	1020 PINE TOP LN, CANTONMENT, FL 32533-7801
Document Number	0090081716
Book / Page	9008 / 1716
Instrument Date	Jul 6, 2023
Instrument	2023056462
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATIONAL TTL AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16948 OVAL RUM DR, WIMAUMA, FL 33598-2434

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1020 PINE TOP LN, CANTONMENT, FL 32533-7801

Mortgage

Document Number	0090081718
Date	Jul 14, 2023
Instrument	9008/1718

Lender

Name	PEN AIR FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	1020 PINE TOP LN, CANTONMENT, FL 32533-7801
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	SPRINGDALE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0083360049
Date	Jul 22, 2020
Book Page	8336/49
Instrument	2020059473

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Apr 14, 2022
Property Address	1020 PINE TOP LN, CANTONMENT, FL 32533-7801
Document Number	0087631892
Book / Page	8763 / 1892
Instrument Date	Apr 12, 2022
Instrument	2022038266
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,990.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5121 WIGGINS LAKE RD, MC DAVID, FL 32568-1701

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	1020 PINE TOP LN, CANTONMENT, FL 32533-7801

Mortgage

Document Number	0087631894
Date	Apr 14, 2022
Instrument	8763/1894

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	May 14, 2018
Property Address	1020 PINE TOP LN, CANTONMENT, FL 32533-7801
Document Number	0078990445
Book / Page	7899 / 0445
Instrument Date	May 10, 2018
Instrument	2018036854
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	CLEAR TITLE OF NORTHWEST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,198.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 729, GULF BREEZE, FL 32562-0729

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 PINE TOP LN, CANTONMENT, FL 32533-7801

Mortgage

Document Number	2018036855
Date	May 14, 2018
Instrument	2018036855

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

Source: Escambia County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Escambia County
Unified School District	Escambia County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$411,151 (+7.77%) Land $50,300 Building $360,851	$411,151 (+7.77%) Land $50,300 Building $360,851
2024	$4,924.00 (-5.03%)
2023	$5,185.00 (+158.09%)	$381,514 (+112.3%)	$381,514 (+10.3%) Land $35,210 Building $346,304
2022	$2,009.00 Homeowner's exemption	$179,702	$345,888 Land $7,205 Building $338,683

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (1998–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2020 · Hurricane Sally

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 61% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	COTTAGE HILL WATER WORKS private · serves 6,737 people · EPA ID FL1170168
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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