103 Pacific St, Pensacola, FL 32503 Property Records

Escambia County property record for 103 Pacific St, Pensacola, FL 32503

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,191 sqft · built 1961
Lot Size	0.248 acres (10,846 sqft)
Owner	2 Individual Names on File
Last Sale	$107,000 (Jan 2019)
Tax Bill	$560 (2024)
Deeds & Mortgages	Aug 2022 Reverse Mortgage Jan 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-1S-30-1204-000-190`

Property Details

APN / Parcel Number

Primary APN	`27-1S-30-1204-000-190`
Alternative APNs	`031477000` `31477000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,191 sqft Adjusted Area
1st Floor Area	1,149 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1980
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	10,846 sqft (0.248 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	25 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	31477000
Old Parcel Number	031477000
Street Address	103 PACIFIC ST
City	PENSACOLA
State	FL
Zip	32503-7437
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HDMU
Legal Description	LT 19 OAKFIELD ESTATES PB 5 P 5 OR 8032 P 713 SEC 27/28/38 T1S R30
Legal Range	30W
Legal Township	01S
Legal Section	27
Legal Subdivision	OAKFIELD ESTATES
Legal Block	190
Legal Lot Number	19
Jurisdiction	ESCAMBIA FL
Township / Civil Division	PENSACOLA
Census Block Group	1
Census Block	1023
Census Tract	1402

Owner

103 Pacific St is owned and occupied by two individuals who bought it in January 2019.

Source: Escambia County records, as of December 17, 2025

Owner of Record	2 Individual Names on File
Mailing Address	103 PACIFIC ST, PENSACOLA, FL 32503-7437
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2022	Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC
Jan 18, 2019	Grant Deed, Transfer ATTORNEY ONLY
Jul 30, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2019 · Amount on File
Deed Sale	Jan 18, 2019 · Amount on File
Prior Sale	Jul 30, 2018
Deed Document Number	2019005163
Deed Book / Page	8032 / 0713
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	103 PACIFIC ST, PENSACOLA, FL 32503-7437
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	CHANCELLOR TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 PACIFIC ST, PENSACOLA, FL 32503-7437

Mortgage

Document Number	0088390960
Date	Aug 12, 2022
Book Page	8839/960
Instrument	2022081913

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	1032 Months
Due	Aug 11, 2108

Interest

Rate Type	Adjustable Rate
Rate	5.24%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.2%

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Jan 18, 2019
Property Address	103 PACIFIC ST, PENSACOLA, FL 32503-7437
Document Number	0080320713
Book / Page	008032 / 000713
Instrument Date	Jan 16, 2019
Instrument	5163
Transaction Type	Transfer
Record Updated	Jan 31, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$749.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	103 PACIFIC ST PENSACOLA FL 325037437, PENSACOLA, FL 32503-7437

July 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Jul 30, 2018
Property Address	103 PACIFIC ST, PENSACOLA, FL 32503-7437
Document Number	0079401918
Book / Page	007940 / 001918
Instrument Date	Jul 11, 2018
Instrument	59678
Transaction Type	Foreclosure
Record Updated	Aug 9, 2018

Transaction

Amount	Amount on Record
Tax	$435.40
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Escambia County assessment roll, as of July 1, 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		$75,256	$109,602 Land $20,000 Building $89,602
2024	$560.00 (-0.88%)
2023	$565.00 (+0.89%) Homeowner's exemption	$71,006 (+3%)	$102,831 (+15.64%) Land $20,000 Building $82,831
2022	$560.00 Homeowner's exemption	$68,938	$88,926 Land $15,000 Building $73,926

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 103 Pacific St in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 14 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	20 (1979–2020)
Claims Outside the SFHA	14 of 20
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 6 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 4 claims Hurricane Opal, Oct 1995 · 3 claims

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

Wildfire risk around 103 Pacific St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	EMERALD COAST UTILITIES AUTHORITY (ECUA) serves 242,172 people · EPA ID FL1170525
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 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 324 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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