1545 Penguin Ter, Cantonment, FL 32533 Property Records

Escambia County property record for 1545 Penguin Ter, Cantonment, FL 32533

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,221 sqft · built 1999
Lot Size	0.276 acres (12,023 sqft)
Owner	Individual Name on File
Last Sale	$173,500 (Aug 2017)
Tax Bill	$2,632 (2024)
Deeds & Mortgages	Dec 2021 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-1N-30-3100-004-003`

Property Details

APN / Parcel Number

Primary APN	`13-1N-30-3100-004-003`
Alternative APN	`110077606`

Interior

Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,221 sqft Adjusted Area
1st Floor Area	1,895 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	12,023 sqft (0.276 acres)
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	253 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	110077606
Old Parcel Number	110077606
Street Address	1545 PENGUIN TER
City	CANTONMENT
State	FL
Zip	32533-5822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LT 4 BLK C EAGLE RIDGE PB 16 P 19/19A OR 7759 P1402
Legal Range	30W
Legal Township	01N
Legal Section	13
Legal Subdivision	EAGLE RIDGE EAGLE RIDGE UNIT 2
Legal Block	C
Legal Lot Number	4
Jurisdiction	ESCAMBIA FL
Township / Civil Division	CANTONMENT
Census Block Group	1
Census Block	1007
Census Tract	3610

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1545 PENGUIN TER, CANTONMENT, FL 32533-5822
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 14, 2017	Warranty Deed, Transfer · Conventional with PMI MORTGAGE TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2017 · Amount on File
Deed Sale	Aug 14, 2017 · Amount on File
Prior Sale	Sep 7, 2011 · Amount on File
Deed Document Number	2017062248
Deed Book / Page	7759 / 1402
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	1545 PENGUIN TER, CANTONMENT, FL 32533-5822
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1545 PENGUIN TER, CANTONMENT, FL 32533-5822

Mortgage

Document Number	0086851405
Date	Dec 20, 2021
Book Page	8685/1405
Instrument	2021137496

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Aug 14, 2017
Property Address	1545 PENGUIN TER, CANTONMENT, FL 32533-5822
Document Number	0077591402
Book / Page	007759 / 001402
Instrument Date	Aug 9, 2017
Instrument	62248
Transaction Type	Transfer
Record Updated	Aug 25, 2017
Title Company	CLEAR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,214.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1545 PENGUIN TER CANTONMENT FL 325335822, CANTONMENT, FL 32533-5822

Mortgage

Document Number	77591403
Date	Aug 14, 2017
Book Page	007759/001403
Instrument	62249

Lender

Name	MORTGAGE TR
Address	PENSACOLA, FL 32502

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 13, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$241,275 (+5.99%)	$266,581 (+4.73%) Land $30,000 Building $236,581
2024	$2,632.00 (+0.84%)
2023	$2,610.00 (+2.43%) Homeowner's exemption	$227,647 (+3%)	$254,533 (+15.16%) Land $30,000 Building $224,533
2022	$2,548.00 Homeowner's exemption	$221,017	$221,017 Land $20,000 Building $201,017

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

Flood

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 31 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	31 in force
Nearby Flood Claims	9 (1985–2021)
Claims Outside the SFHA	8 of 9
Most Recent Claim	Apr 2021 · river or lake flooding
Claims by Event	Hurricane Sally, Sep 2020 · 2 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 3 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

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

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	GONZALEZ UTILITIES ASSOCIATION, INC. private · serves 6,668 people · EPA ID FL1170302
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	5 ppb (2023) action level 15 ppb
Copper	1.4 mg/L (2017) action level 1.3 mg/L

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 201 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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