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1301 E Cross St, Pensacola, FL 32503 Property Records

Escambia County property record for 1301 E Cross St, Pensacola, FL 32503

Property Summary

Property TypeSingle Family Home
Details2.5 ba · 2,214 sqft · built 1997
Lot Size0.198 acres (8,612 sqft)
OwnerIndividual Name on File
Last Sale$750,000 (May 2023)
Tax Bill$6,901 (2025)
Deeds & MortgagesMay 2023 Sale & Mortgage
Jul 2022 Sale
Flood ZoneZone X (minimal risk)
APN00-0S-00-9025-001-318

Property Details

APN / Parcel Number

Primary APN00-0S-00-9025-001-318
Alternative APN
  • 142727000

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures8 Plumbing Fixtures
Stories1 Story
Building Area2,214 sqft Living Area
Gross Area2,676 sqft
1st Floor Area2,214 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 2010
Exterior MaterialStucco
Construction TypeWood
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialOther
Lot Area8,612 sqft (0.198 acres)
Lot Width70 ft Width
Garage TypeAttached
Garage Area462 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area256 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number142727000
Street Address1301 E CROSS ST
CityPENSACOLA
StateFL
Zip32503-4641
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1AA
Legal DescriptionLT 1 AND W 25 FT OF LT 2 BLK 318 NEW CITY TRACT OR 8970 P 1425 CA 53
Legal SubdivisionNEW CITY TRACT
Legal Block318
Legal Lot Number1
JurisdictionESCAMBIA FL
Township / Civil DivisionPENSACOLA
Census Block Group2
Census Block2026
Census Tract802

Owner

1301 E Cross St is owned and occupied by an individual who bought it in May 2023.

Source: Escambia County records, as of July 29, 2026

Owner of RecordIndividual Name on File
Mailing Address1225 W GREGORY ST, PENSACOLA, FL 32502-3721
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and 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
May 2, 2023Warranty Deed, Transfer · Conventional Mortgage
SOUTH STATE BANK NA
Jul 27, 2022Warranty Deed, Transfer
SOUTHTRUST LAW AND TITLE INC, SOUTHTRUST LAW & TITLE INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 2, 2023 · Amount on File
Deed SaleMay 2, 2023 · Amount on File
Prior SaleJul 27, 2022 · Amount on File
Deed Document Number202334614
Deed Book / Page8970 / 1425
Prior Transfer DateNov 10, 1995
Prior Transfer Doc3966000111
Record UpdatedOct 29, 2026

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionESCAMBIA FL
Recording DateMay 2, 2023
Property Address1301 E CROSS ST, PENSACOLA, FL 32503-4641
Document Number0089701425
Book / Page8970 / 1425
Instrument DateApr 27, 2023
Instrument2023034614
Transaction TypeTransfer
Record UpdatedDec 18, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,250.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3000 W NINE MILE RD, PENSACOLA, FL 32534-9473

Transferred To (Grantee/Buyer)

NameVerified Name
Address1225 W GREGORY ST, PENSACOLA, FL 32502-3721

Mortgage

Document Number0089701428
DateMay 2, 2023
Instrument8970/1428
Lender
NameSOUTH STATE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMay 1, 2053
Interest
Rate TypeAdjustable Rate
Rate6.75%
Type Change DateMay 1, 2030
Change FrequencyAnnually
Min Rate At Change4.75%
Max Rate At Change8.75%
Index1-Year T-Bill
Max Rate12.7%

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionESCAMBIA FL
Recording DateJul 27, 2022
Property Address1301 E CROSS ST, PENSACOLA, FL 32503-4641
Document Number0088301098
Book / Page8830 / 1098
Instrument DateJul 22, 2022
Instrument2022076519
Transaction TypeTransfer
Record UpdatedDec 18, 2025
Title CompanySOUTHTRUST LAW AND TITLE INC, SOUTHTRUST LAW & TITLE INC

Transaction

AmountAmount on Record
Tax$2,520.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address105 RABY LN, PENSACOLA, FL 32507-3597

Transferred To (Grantee/Buyer)

NameVerified Name
Address3000 W NINE MILE RD, PENSACOLA, FL 32534-9473
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1301 E Cross St was $6,901 with a homeowner's exemption, up 6% from the year before.

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$6,901.00 (+5.99%) Homeowner's exemption$437,574$473,154 Land $139,531 Building $333,623
2024$6,511.00 (-4.15%)
2023$6,793.00 (+227.06%)$395,495 (+151.5%)$395,495 (+16.13%) Land $111,969 Building $283,526
2022$2,077.00 Homeowner's exemption$157,254$340,559 Land $103,356 Building $237,203

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1301 E Cross St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2020.

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 45 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies45 in force
Nearby Flood Claims2 (2020)
Claims Outside the SFHA2 of 2
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Hurricane Sally, Sep 2020 · 2 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 1301 E Cross 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 RiskLow
lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood0.02% 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 386 locations within half a mile, as of December 31, 2025

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

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