1325 E Cross St, Pensacola, FL 32503 Property Records

Escambia County property record for 1325 E Cross St, Pensacola, FL 32503

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,420 sqft · built 1998
Lot Size	0.395 acres (17,225 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,846 (2024)
Deeds & Mortgages	Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00-0S-00-9025-005-318`

Property Details

APN / Parcel Number

Primary APN	`00-0S-00-9025-005-318`
Alternative APN	`142730000`

Interior

Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,420 sqft Adjusted Area
1st Floor Area	2,095 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,225 sqft (0.395 acres)
Lot Width	130 ft Width
Garage Type	Finished
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	243 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	142730000
Old Parcel Number	142730000
Street Address	1325 E CROSS ST
City	PENSACOLA
State	FL
Zip	32503-4641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AA
Legal Description	E 5 FT OF LT 5 ALL LTS 6 7 8 AND W 5 FT OF LT 9 BLK 318 NEW CITY TRACT OR 4260 P 676 OR 4275 P 168 CA 53
Legal Township	01N
Legal Subdivision	NEW CITY TRACT
Legal Block	318
Legal Lot Number	5 7
Jurisdiction	ESCAMBIA FL
Township / Civil Division	PENSACOLA
Census Block Group	2
Census Block	2026
Census Tract	802

Owner

1325 E Cross St is owned and occupied by two individuals who acquired it in June 1998.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	1325 E CROSS ST, PENSACOLA, FL 32503-4641
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 1998
Deed Sale	Jun 29, 1998
Prior Sale	May 21, 1998 · Amount on File
Deed Document Number	0427500168
Record Updated	Jun 8, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	1325 E CROSS ST, PENSACOLA, FL 32503-4641
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE FIRST NATIONAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081281112
Date	Jul 12, 2019
Book Page	8128/1112
Instrument	2019060812

Lender

Name	STATE FARM BANK FSB
Type	Bank
Address	EARTH CITY, MO 63045

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Escambia County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$209,549	$473,391 Land $217,035 Building $256,356
2024	$2,846.00 (+3.79%)
2023	$2,742.00 (+2.81%) Homeowner's exemption	$197,713 (+3%)	$426,959 (+9.67%) Land $183,619 Building $243,340
2022	$2,667.00 Homeowner's exemption	$191,955	$389,308 Land $169,494 Building $219,814

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

Flood

FEMA maps place 1325 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 45 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	45 in force
Nearby Flood Claims	2 (2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 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 1325 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 Risk	Low lower than 96% 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 386 locations within half a mile, as of December 31, 2025

Provider	Max 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