Escambia County property record for 1331 E Cross St, Pensacola, FL 32503
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,364 sqft · built 1960 |
| Lot Size | 0.197 acres (8,613 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,792 (2024) |
| Deeds & Mortgages | Apr 2024 Mortgage Jan 2024 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 00-0S-00-9025-009-318 |
| Primary APN | 00-0S-00-9025-009-318 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,364 sqft Adjusted Area |
| 1st Floor Area | 1,984 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Foundation Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,613 sqft (0.197 acres) |
| Lot Width | 65 ft Width |
| Garage Type | Mixed |
| Garage Area | 672 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 190 sqft |
| Fence | Fence |
| Utility Building | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 142731000 |
|---|---|
| Old Parcel Number | 142731000 |
| Street Address | 1331 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 35 FT OF LT 9 ALL LT 10 BLK 318 NEW CITY TRACT OR 9091 P 671 CA 53 |
| Legal Township | 01N |
| Legal Subdivision | NEW CITY TRACT |
| Legal Block | 318 |
| Legal Lot Number | 9 |
| Jurisdiction | ESCAMBIA FL |
| Township / Civil Division | PENSACOLA |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 802 |
1331 E Cross St is owned and occupied by an individual who acquired it in January 2024.
Source: Escambia County records, as of December 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1331 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.
| Date | Document |
|---|---|
| Apr 3, 2024 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN HERITAGE LENDING INC |
| Jan 16, 2024 | Warranty Deed, Transfer PURE TITLE LLC |
| Feb 16, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage THE BEDROCK MORTGAGE FUND LLC |
| Jan 18, 2023 | Warranty Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC |
| Dec 9, 2022 | Personal Representative Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 16, 2024 |
| Deed Sale | Jan 16, 2024 |
| Prior Sale | Feb 16, 2023 · Amount on File |
| Deed Document Number | 2024003147 |
| Deed Book / Page | 9091 / 671 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESCAMBIA FL |
| Property Address | 1331 E CROSS ST, PENSACOLA, FL 32503-4641 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1029 FREEBOARD BLVD, PENSACOLA, FL 32507-7969 |
| Investor | Possibly a Property Investor |
| Document Number | 0091261174 |
|---|---|
| Date | Apr 3, 2024 |
| Book Page | 9126/1174 |
| Instrument | 2024024613 |
| Name | AMERICAN HERITAGE LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ESCAMBIA FL |
| Recording Date | Jan 16, 2024 |
| Property Address | 1331 E CROSS ST, PENSACOLA, FL 32503-4641 |
| Document Number | 0090910671 |
| Book / Page | 9091 / 671 |
| Instrument Date | Jan 12, 2024 |
| Instrument | 2024003147 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | PURE TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2211 N PACE BLVD, PENSACOLA, FL 32505-5837 |
| Name | Verified Name |
|---|---|
| Address | 1029 FREEBOARD BLVD, PENSACOLA, FL 32507-7969 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ESCAMBIA FL |
| Recording Date | Feb 16, 2023 |
| Property Address | 1331 E CROSS ST, PENSACOLA, FL 32503-4641 |
| Document Number | 0089311643 |
| Book / Page | 8931 / 1643 |
| Instrument Date | Feb 15, 2023 |
| Instrument | 2023012484 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,890.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1604 FALLKIRK WAY, CANTONMENT, FL 32533-6827 |
| Name | Verified Name |
|---|---|
| Address | 2211 N PACE BLVD, PENSACOLA, FL 32505-5837 |
| Investor | Possibly a Property Investor |
| Document Number | 0089311647 |
|---|---|
| Date | Feb 16, 2023 |
| Instrument | 8931/1647 |
| Name | THE BEDROCK MORTGAGE FUND LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Feb 15, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ESCAMBIA FL |
| Recording Date | Jan 18, 2023 |
| Property Address | 1331 E CROSS ST, PENSACOLA, FL 32503-4641 |
| Document Number | 0089171148 |
| Book / Page | 8917 / 1148 |
| Instrument Date | Jan 11, 2023 |
| Instrument | 2023003835 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 18, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,505.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1105 TOWN BLVD NE UNIT 2605, 2605, BROOKHAVEN, GA 30319-3680 |
| Name | Verified Name |
|---|---|
| Address | 1604 FALLKIRK WAY, CANTONMENT, FL 32533-6827 |
| Investor | Possibly a Property Investor |
| Document Number | 0089171153 |
|---|---|
| Date | Jan 18, 2023 |
| Instrument | 8917/1153 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | ESCAMBIA FL |
| Recording Date | Dec 9, 2022 |
| Property Address | 1331 E CROSS ST, PENSACOLA, FL 32503-4641 |
| Document Number | 0089011897 |
| Book / Page | 8901 / 1897 |
| Instrument Date | Dec 9, 2022 |
| Instrument | 2022117880 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 255 ALHAMBRA CIR STE 333, 333, CORAL GABLES, FL 33134-7402 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 128 HERITAGE LN, MADISON, AL 35758-7973 |
Source: Escambia County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Escambia County |
| Municipality | Pensacola City |
| Unified School District | Escambia County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $281,185 | $281,185 Land $139,531 Building $141,654 | |
| 2024 | $4,792.00 (+13.23%) | ||
| 2023 | $4,232.00 (+1.58%) | $243,635 (-5.99%) | $243,635 (-5.99%) Land $111,969 Building $131,666 |
| 2022 | $4,166.00 | $259,152 | $259,152 Land $103,356 Building $155,796 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1331 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 |
|
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 risk around 1331 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.
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 |
| 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.
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 |
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