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1108 E Lloyd St, Pensacola, FL 32503 Property Records

Escambia County property record for 1108 E Lloyd St, Pensacola, FL 32503

Property Summary

Property TypeSingle Family Home
Details2.5 ba · 1,611 sqft · built 2017
Lot Size0.12 acres (5,227 sqft)
Owner2 Individual Names on File
Last Sale$595,000 (Dec 2025)
Tax Bill$5,849 (2024)
Deeds & MortgagesDec 2025 Sale & Mortgage
Jun 2023 Sale
+ 4 more
Flood ZoneZone X (minimal risk)
APN00-0S-00-9025-018-174

Property Details

APN / Parcel Number

Primary APN00-0S-00-9025-018-174
Alternative APN
  • 141456000

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures8 Plumbing Fixtures
Stories1 Story
Building Area1,611 sqft Living Area
Gross Area1,917 sqft
1st Floor Area1,611 sqft
Upper Floors Area180 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Exterior MaterialSiding
Construction TypeWood
Roof TypeHip
Roof MaterialOther
Lot Area5,227 sqft (0.12 acres)
Lot Width120 ft Width

Exterior Amenities

PorchFinished Screened Porch
Porch Area441 sqft
Deck AreaDeck Area
Patio Area420 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number141456000
Street Address1108 E LLOYD ST
CityPENSACOLA
StateFL
Zip32503-6077
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1AA
Legal DescriptionLT 18 BLK 174 NEW CITY TRACT OR 8995 P 462 CA 49
Legal SubdivisionNEW CITY TRACT
Legal Block174
Legal Lot Number18
JurisdictionESCAMBIA FL
Township / Civil DivisionPENSACOLA
Census Block Group3
Census Block3047
Census Tract802

Owner

1108 E Lloyd St is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record2 Individual Names on File
Mailing Address1108 E LLOYD ST, PENSACOLA, FL 32503-6077
OccupancyOwner Occupied
Owner TypeIndividual
VestingHis Wife

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

DateDocument
Dec 4, 2025Warranty Deed, Transfer · Conventional Mortgage
GARDNER FINANCIAL SERVICES LTD
Jun 16, 2023Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Nov 27, 2017Deed of Trust, Mortgage · ARM
MORGAN STANLEY PRIVATE BANK NA
Feb 22, 2021Quit Claim Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Aug 20, 2020Warranty Deed, Transfer · VA Mortgage
NATIONAL BANK OF KANSAS CITY
Jul 28, 2017Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 4, 2025 · Amount on File
Deed SaleDec 4, 2025 · Amount on File
Prior SaleJun 16, 2023 · Amount on File
Deed Document Number202592709
Deed Book / Page9415 / 1838
Transfer Doc0053290001
Record UpdatedJun 8, 2026

December 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionESCAMBIA FL
Recording DateDec 4, 2025
Property Address1108 E LLOYD ST, PENSACOLA, FL 32503-6077
Document Number0094151838
Book / Page9415 / 1838
Instrument DateNov 12, 2025
Instrument2025092709
Transaction TypeTransfer
Record UpdatedDec 22, 2025
Title CompanySURETY LAND TITLE/FL LLC, SURETY LAND TITLE OF FL LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,165.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address62 SANDSIDE COURT, CARLSBAD, CA 92011

Transferred To (Grantee/Buyer)

NameVerified Name
Address1108 E LLOYD ST, PENSACOLA, FL 32503-6077

Mortgage

Document Number0094151840
DateDec 4, 2025
Instrument9415/1840
Lender
NameGARDNER FINANCIAL SERVICES LTD
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2056

June 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionESCAMBIA FL
Recording DateJun 16, 2023
Property Address1108 E LLOYD ST, PENSACOLA, FL 32503-6077
Document Number0089950462
Book / Page8995 / 462
Instrument DateJun 15, 2023
Instrument2023048692
Transaction TypeTransfer
Record UpdatedDec 22, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$3,360.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1108 E LLOYD ST, PENSACOLA, FL 32503-6077

Transferred To (Grantee/Buyer)

NameVerified Name
AddressGENERAL DELIVERY, PENSACOLA, FL 32591-9999

November 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionESCAMBIA FL
Property Address1108 E LLOYD ST, PENSACOLA, FL 32503-6077
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0078140018
DateNov 27, 2017
Book Page7814/0018
Instrument2017092034
Lender
NameMORGAN STANLEY PRIVATE BANK NA
TypeBank
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeARM
AmountAmount on Record
Term361 Months
DueDec 1, 2047
Interest
Rate TypeAdjustable Rate
Rate3.89%
Type Change DateDec 1, 2024
Change FrequencyAnnually
Min Rate At Change2.5%
Max Rate At Change8.89%
Index1-Year CMT
Max Rate8.89%

February 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionESCAMBIA FL
Recording DateFeb 22, 2021
Property Address1108 E LLOYD ST, PENSACOLA, FL 32503-6077
Document Number0084690453
Book / Page8469 / 453
Instrument DateJan 28, 2021
Instrument2021018868
Transaction TypeTransfer
Record UpdatedDec 22, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1108 E LLOYD ST, PENSACOLA, FL 32503-6077

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionESCAMBIA FL
Recording DateAug 20, 2020
Property Address1108 E LLOYD ST, PENSACOLA, FL 32503-6077
Document Number0083540214
Book / Page8354 / 214
Instrument DateAug 18, 2020
Instrument2020068993
Transaction TypeTransfer
Record UpdatedDec 27, 2021
Title CompanyATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,939.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1708 E LLOYD ST, PENSACOLA, FL 32503-6061

Mortgage

Document Number0008354217
DateAug 20, 2020
Instrument8354/217
Lender
NameNATIONAL BANK OF KANSAS CITY
TypeBank
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2050

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionESCAMBIA FL
Recording DateJul 28, 2017
Property Address1108 E LLOYD ST, PENSACOLA, FL 32503-6077
Document Number0077520472
Book / Page007752 / 000472
Instrument DateJul 28, 2017
Instrument58046
Transaction TypeTransfer
Record UpdatedAug 29, 2017

Transaction

AmountAmount on Record
Tax$2,415.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1108 E LLOYD ST PENSACOLA FL 32501, PENSACOLA, FL 32501

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyEscambia County
MunicipalityPensacola City
Unified School DistrictEscambia County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$384,989 Land $90,750 Building $294,239$384,989 Land $90,750 Building $294,239
2024$5,849.00 (+45.61%)
2023$4,017.00 (+2.61%) Homeowner's exemption$273,277 (+3%)$363,167 (+9.11%) Land $81,510 Building $281,657
2022$3,915.00 Homeowner's exemption$265,318$332,834 Land $81,510 Building $251,324

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 1108 E Lloyd St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2007.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 32 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies32 in force
Nearby Flood Claims3 (2007–2020)
Claims Outside the SFHA3 of 3
Most Recent ClaimSep 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

Wildfire risk around 1108 E Lloyd St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemEMERALD COAST UTILITIES AUTHORITY (ECUA)
serves 242,172 people · EPA ID FL1170525
Water SourceGroundwater
Last State InspectionDec 2024
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 460 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
T-Mobile
Fiber		5,000 / 5,000
AT&T
Fiber · Fixed Wireless · DSL		5,000 / 5,000
Cox Communications
Cable		2,000 / 100
Verizon
Fixed Wireless		300 / 20

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