10965 Hwy 97, Mc David, FL 32568 Property Records

Escambia County property record for 10965 Hwy 97, Mc David, FL 32568

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,242 sqft · built 1965
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on File
Last Sale	$159,000 (Nov 2025)
Tax Bill	$1,312 (2024)
Deeds & Mortgages	Jan 2023 Mortgage Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-5N-33-1115-000-000`

Property Details

APN / Parcel Number

Primary APN	`01-5N-33-1115-000-000`
Alternative APN	`123768000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,242 sqft Adjusted Area
1st Floor Area	1,242 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster

Exterior

Year Built	Built 1965
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,216 sqft (0.51 acres)
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	123768000
Old Parcel Number	123768000
Street Address	10965 HIGHWAY 97
City	MC DAVID
State	FL
Zip	32568-1818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMU
Legal Description	COMMENCE AT AN INTERSECTION OF THE WESTERLY R/W LINE OF STATE ROAD NO. 97 (100 FT R/W) AND THE SOUTHERLY R/W LINE OF MEADOWS
Legal Range	33W
Legal Township	05N
Legal Section	01
Legal Subdivision	SUBDIVISION NUMBER: 1115
Jurisdiction	ESCAMBIA FL
Township / Civil Division	NORTHWEST ESCAMBIA
Census Block Group	1
Census Block	1007
Census Tract	3800

Owner

10965 Hwy 97 is owned and occupied by an individual who bought it in November 2025.

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

Owner of Record	Individual Name on File
Mailing Address	10965 HIGHWAY 97, MC DAVID, FL 32568-1818
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
Jan 18, 2023	Deed of Trust, Mortgage · FHA Mortgage ADVANCE MORTGAGE & INVESTMENT CO INC
Nov 26, 2025	Warranty Deed, Transfer · VA Mortgage TRIDENT HOME LOANS LLC
Aug 7, 2017	Warranty Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2025 · Amount on File
Deed Sale	Nov 26, 2025 · Amount on File
Prior Sale	Aug 7, 2017 · Amount on File
Deed Document Number	2025090907
Deed Book / Page	9412 / 1114
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	10965 HIGHWAY 97, MC DAVID, FL 32568-1818
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10965 HIGHWAY 97, WALNUT HILL, FL 32568-1818

Mortgage

Document Number	0089171440
Date	Jan 18, 2023
Book Page	8917/1440
Instrument	2023003899

Lender

Name	ADVANCE MORTGAGE & INVESTMENT CO INC
Type	Mortgage Company
Address	DAPHNE, AL 36527

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Nov 26, 2025
Property Address	10965 HIGHWAY 97, MC DAVID, FL 32568-1818
Document Number	0094121114
Book / Page	9412 / 1114
Instrument Date	Nov 25, 2025
Instrument	2025090907
Transaction Type	Transfer
Record Updated	Dec 17, 2025
Title Company	PENSACOLA TITLE CO LLC, PENSACOLA TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,113.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	146 GROSS RD, FRISCO CITY, AL 36445-7110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10965 HIGHWAY 97, MC DAVID, FL 32568-1818

Mortgage

Document Number	0094121116
Date	Nov 26, 2025
Instrument	9412/1116

Lender

Name	TRIDENT HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Aug 7, 2017
Property Address	10965 HIGHWAY 97, WALNUT HILL, FL 32568-1818
Document Number	0077560946
Book / Page	7756 / 0946
Instrument Date	Aug 4, 2017
Instrument	2017060391
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	PARTNERSHIP TITLE CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$524.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4931 N PRINVEILE RD, 4931, MC DAVID, FL 32568

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10965 HWY, MC DAVID, FL 32568

Mortgage

Document Number	2017060392
Date	Aug 7, 2017
Instrument	2017060392

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

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		$94,284	$103,854 Land $7,650 Building $96,204
2024	$1,312.00 (+6.93%)
2023	$1,227.00 (+9.07%)	$77,921 (-3.3%)	$91,278 (+13.28%) Land $4,335 Building $86,943
2022	$1,125.00	$80,576	$80,576 Land $2,754 Building $77,822

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

FEMA maps place 10965 Hwy 97 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 18, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 10965 Hwy 97 is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · lower than 60% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000

May also be available: Dragonfly Internet.

Nearby Properties on Hwy 97

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures