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1531 E Cross St, Pensacola, FL 32503 Property Records

Escambia County property record for 1531 E Cross St, Pensacola, FL 32503

Property Summary

Property TypeSingle Family Home
Details4.5 ba · 2,208 sqft · built 1968
Lot Size0.243 acres (10,598 sqft)
Owner2 Trust Names on File
Last Sale$775,000 (Sep 2026)
Tax Bill$6,861 (2025)
Deeds & MortgagesSep 2026 Sale
Jul 2024 Transfer
+ 3 more
Flood ZoneZone X (minimal risk)
APN00-0S-00-9025-009-320

Property Details

APN / Parcel Number

Primary APN00-0S-00-9025-009-320
Alternative APN
  • 142749000

Interior

Full Baths4.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures12 Plumbing Fixtures
Stories1 Story
Building Area2,208 sqft Living Area
Gross Area2,649 sqft
1st Floor Area2,208 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1968
Effective Year BuiltEffective 2005
Exterior MaterialBrick Veneer
Construction TypeWood
Roof TypeGable
Roof MaterialOther
Lot Area10,598 sqft (0.243 acres)
Lot Width80 ft Width
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area160 sqft
Patio Area210 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number142749000
Street Address1531 E CROSS ST
CityPENSACOLA
StateFL
Zip32503-4644
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1AA
Legal DescriptionLT 9 AND ALL LT 10 BLK 320 NEW CITY TRACT CA 36 OR 8229 P 1411 OR 8862 P 1399 OR 9160 P 1721 OR 9176 P 209
Legal SubdivisionNEW CITY TRACT
Legal Block320
Legal Lot Number9
JurisdictionESCAMBIA FL
Township / Civil DivisionPENSACOLA
Census Block Group2
Census Block2028
Census Tract802

Owner

1531 E Cross St is held in a trust since September 2026.

Source: Escambia County records, as of September 14, 2026

Owner of Record2 Trust Names on File
Mailing Address2215 WHALEY AVE, PENSACOLA, FL 32503-4969
Owner TypeCompany
VestingTrust, Family Trust

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
Sep 2, 2026Warranty Deed, Transfer
SOUTH OAK TITLE LLC, SOUTH OAK TITLE
Jul 17, 2024Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Jun 13, 2024Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage
NAVY FCU
Sep 21, 2022Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Jan 13, 2020Warranty Deed, Transfer · Conventional Mortgage
NAVY FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 2, 2026 · Amount on File
Deed SaleSep 2, 2026 · Amount on File
Prior SaleJan 13, 2020 · Amount on File
Deed Document Number202668491
Deed Book / Page9545 / 1509
Prior Transfer DateJul 11, 2024
Prior Transfer Doc0091760209
Record UpdatedOct 29, 2026

September 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionESCAMBIA FL
Recording DateSep 2, 2026
Property Address1531 E CROSS ST, PENSACOLA, FL 32503-4644
Document Number0000068491
Book / Page9545 / 1509
Instrument DateAug 31, 2026
Instrument202668491
Transaction TypeTransfer
Record UpdatedSep 14, 2026
Title CompanySOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

AmountAmount on Record
Tax$547,925.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address2215 WHALEY AVE, PENSACOLA, FL 32503-4969
InvestorPossibly a Property Investor

July 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionESCAMBIA FL
Recording DateJul 17, 2024
Property Address1531 E CROSS ST, PENSACOLA, FL 32503-4644
Document Number0091760209
Book / Page9176 / 209
Instrument DateJul 11, 2024
Instrument2024054469
Transaction TypeTransfer
Record UpdatedDec 18, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1531 E CROSS ST, PENSACOLA, FL 32503-4644

Transferred To (Grantee/Buyer)

NameVerified Name
Address1531 E CROSS ST, PENSACOLA, FL 32503-4644

June 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionESCAMBIA FL
Recording DateJun 13, 2024
Property Address1531 E CROSS ST, PENSACOLA, FL 32503-4644
Document Number0091601721
Book / Page9160 / 1721
Instrument DateJun 13, 2024
Instrument2024045528
Transaction TypeTransfer
Record UpdatedDec 18, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1531 E CROSS ST, PENSACOLA, FL 32503-4644

Transferred To (Grantee/Buyer)

NameVerified Name
Address1531 E CROSS ST, PENSACOLA, FL 32503-4644

Mortgage

Document Number0091691092
DateJun 13, 2024
Instrument9169/1092
Lender
NameNAVY FCU
TypeCredit Union
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2054

September 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionESCAMBIA FL
Recording DateSep 21, 2022
Property Address1531 E CROSS ST, PENSACOLA, FL 32503-4644
Document Number0088621399
Book / Page8862 / 1399
Instrument DateSep 7, 2022
Instrument2022095445
Transaction TypeTransfer
Record UpdatedDec 18, 2025
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1531 E CROSS ST, PENSACOLA, FL 32503-4644

Transferred To (Grantee/Buyer)

NameVerified Name
Address1531 E CROSS ST, PENSACOLA, FL 32503-4644

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionESCAMBIA FL
Recording DateJan 13, 2020
Property Address1531 E CROSS ST, PENSACOLA, FL 32503-4644
Document Number0082291411
Book / Page008229 / 001411
Instrument DateJan 10, 2020
Instrument3020
Transaction TypeTransfer
Record UpdatedJan 29, 2020
Title CompanyFIRST INT'L TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,357.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1531 E CROSS ST PENSACOLA FL 325034644, PENSACOLA, FL 32503-4644

Mortgage

Document Number82291413
DateJan 13, 2020
Book Page008229/001413
Instrument3021
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueJan 12, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 1531 E Cross St was $6,861, 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$6,861.00 (+6.01%)$435,187 (+2.9%)$621,184 (+5.26%) Land $190,800 Building $430,384
2024$6,472.00 (+2.18%) Homeowner's exemption$422,923 (+3%)$590,124 (+11.21%) Land $159,000 Building $431,124
2023$6,334.00 (+2.48%) Homeowner's exemption$410,605 (+3%)$530,621 (+13.27%) Land $137,800 Building $392,821
2022$6,181.00 Homeowner's exemption$398,646$468,471 Land $127,200 Building $341,271

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

Flood

FEMA maps place 1531 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 1531 E Cross 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 99.8% of the US · lower than 99.7% 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 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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