1809 E Lloyd St, Pensacola, FL 32503 Property Records

Escambia County property record for 1809 E Lloyd St, Pensacola, FL 32503

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,070 sqft · built 1952
Lot Size	0.253 acres (10,999 sqft)
Owner	2 Individual Names on File
Last Sale	$440,000 (Jul 2018)
Tax Bill	$4,934 (2025)
Deeds & Mortgages	Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00-0S-00-9025-030-164`

Property Details

APN / Parcel Number

Primary APN	`00-0S-00-9025-030-164`
Alternative APN	`141353000`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,070 sqft Living Area
Gross Area	2,805 sqft
1st Floor Area	2,070 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1990
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Wood
Roof Type	Gable
Roof Material	Other
Lot Area	10,999 sqft (0.253 acres)
Lot Width	80 ft Width
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Finished Screened Porch
Porch Area	780 sqft
Patio Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	141353000
Street Address	1809 E LLOYD ST
City	PENSACOLA
State	FL
Zip	32503-6062
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AAA
Legal Description	E1/2 OF LT 3 AND ALL LT 4 AND W1/2 OF LT 5 BLK 164 NEW CITY TRACT OR 7935 P 548 CA 40
Legal Subdivision	NEW CITY TRACT
Legal Block	164
Legal Lot Number	30
Jurisdiction	ESCAMBIA FL
Township / Civil Division	PENSACOLA
Census Block Group	1
Census Block	1012
Census Tract	900

Owner

1809 E Lloyd St is owned and occupied by two individuals who bought it in July 2018.

Source: Escambia County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1809 E LLOYD ST, PENSACOLA, FL 32503-6062
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	Jul 19, 2018 · Amount on File
Deed Sale	Jul 19, 2018 · Amount on File
Prior Sale	Mar 1, 2016 · Amount on File
Deed Document Number	201856633
Deed Book / Page	7935 / 548
Record Updated	Oct 29, 2026

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Jul 19, 2018
Property Address	1809 E LLOYD ST, PENSACOLA, FL 32503-6062
Document Number	0079350548
Book / Page	007935 / 000548
Instrument Date	Jul 12, 2018
Instrument	56633
Transaction Type	Transfer
Record Updated	Apr 2, 2019
Title Company	SURETY LAND TITLE/FL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1809 E LLOYD ST PENSACOLA FL 325036062, PENSACOLA, FL 32503-6062

Mortgage

Document Number	79350550
Date	Jul 19, 2018
Book Page	007935/000550
Instrument	56634

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 18, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 1809 E Lloyd St was $4,934 with a homeowner's exemption, up 6.1% from the year before.

Source: Escambia County assessment roll, as of December 31, 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	$4,934.00 (+6.13%) Homeowner's exemption	$325,682	$474,396 Land $209,000 Building $265,396
2024	$4,649.00 (+2.22%)
2023	$4,548.00 (+2.59%) Homeowner's exemption	$307,286 (+3%)	$447,748 (+14.62%) Land $198,000 Building $249,748
2022	$4,433.00 Homeowner's exemption	$298,336	$390,638 Land $165,000 Building $225,638

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

Flood

FEMA maps place 1809 E Lloyd St in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1979.

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 27 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	27 in force
Nearby Flood Claims	13 (1979–2020)
Claims Outside the SFHA	3 of 13
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 6 claims Hurricane Frances, Sep 2004 · 5 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 1809 E Lloyd 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 98% of the US · lower than 97.6% 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.

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 427 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
T-Mobile Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	1,000 / 75