Escambia County property record for 1681 E Cross St, Pensacola, FL 32503
| Property Type | Single Family Home |
|---|---|
| Details | 2,558 sqft · built 2022 |
| Lot Size | 0.152 acres (6,625 sqft) |
| Owner | Individual Name on File |
| Last Sale | $550,000 (Apr 2022) |
| Tax Bill | $7,455 (2024) |
| Deeds & Mortgages | Jan 2024 Second Mortgage Apr 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 00-0S-00-9025-010-321 |
| Primary APN | 00-0S-00-9025-010-321 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 10 Plumbing Fixtures |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,558 sqft Adjusted Area |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 6,625 sqft (0.152 acres) |
| Garage Type | Finished |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 142757002 |
|---|---|
| Street Address | 1681 E CROSS ST |
| City | PENSACOLA |
| State | FL |
| Zip | 32503-4825 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1AA |
| Legal Description | E 10 FT OF LT 9 AND LT 10 BLK 321 NEW CITY TRACT OR 8774 P 655 CA 36 |
| Legal Subdivision | NEW CITY TRACT |
| Legal Block | 321 |
| Legal Lot Number | 9 |
| Jurisdiction | ESCAMBIA FL |
| Township / Civil Division | PENSACOLA |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 802 |
1681 E Cross St is owned and occupied by an individual who bought it in April 2022.
Source: Escambia County records, as of December 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1681 E CROSS ST, PENSACOLA, FL 32503-4825 |
| 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 |
|---|---|
| Jan 5, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Apr 29, 2022 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2022 · Amount on File |
| Deed Sale | Apr 29, 2022 · Amount on File |
| Deed Document Number | 2022044030 |
| Deed Book / Page | 8774 / 655 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESCAMBIA FL |
| Property Address | 1681 E CROSS ST, PENSACOLA, FL 32503-4825 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1681 E CROSS ST, PENSACOLA, FL 32503-4825 |
| Document Number | 0090871071 |
|---|---|
| Date | Jan 5, 2024 |
| Book Page | 9087/1071 |
| Instrument | 2024000639 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 1, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ESCAMBIA FL |
| Recording Date | Apr 29, 2022 |
| Property Address | 1681 E CROSS ST, PENSACOLA, FL 32503-4825 |
| Document Number | 0087740655 |
| Book / Page | 8774 / 655 |
| Instrument Date | Apr 27, 2022 |
| Instrument | 2022044030 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | EMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,850.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1820 ESCAMBIA AVE, PENSACOLA, FL 32503-5719 |
| Name | Verified Name |
|---|---|
| Address | 1681 E CROSS ST, PENSACOLA, FL 32503-4825 |
| Investor | Possibly a Property Investor |
| Document Number | 0008774657 |
|---|---|
| Date | Apr 29, 2022 |
| Instrument | 8774/657 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
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 | $500,297 | $529,628 Land $131,175 Building $398,453 | |
| 2024 | $7,455.00 (+2.87%) | ||
| 2023 | $7,247.00 (+413.24%) Homeowner's exemption | $472,037 (+468.19%) | $472,037 (+468.19%) Land $90,001 Building $382,036 |
| 2022 | $1,412.00 | $83,078 | $83,078 Land $83,078 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1681 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 1681 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 Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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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