1908 E Cross St, Pensacola, FL 32503 Property Records

Escambia County property record for 1908 E Cross St, Pensacola, FL 32503

Property Summary

Property Type	Single Family Home
Details	1 ba · 907 sqft · built 1951
Lot Size	0.182 acres (7,950 sqft)
Owner	Individual Name on Record
Last Sale	$239,700 (May 2021)
Tax Bill	$1,685 (2024)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00-0S-00-9040-022-013`

Property Details

APN / Parcel Number

Primary APN	`00-0S-00-9040-022-013`
Alternative APN	`143448000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	907 sqft Adjusted Area
1st Floor Area	860 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1990
Exterior Material	Asbestos
Construction Type	Wood
Foundation Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,950 sqft (0.182 acres)
Lot Width	60 ft Width
Porch	Porch
Porch Area	228 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	143448000
Old Parcel Number	143448000
Street Address	1908 E CROSS ST
City	PENSACOLA
State	FL
Zip	32503-4832
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AAA
Legal Description	LTS 22 & 23 BLK 13 LAKEVIEW S/D PLAT DB 143 P 206 OR 8522 P 885 CA 36
Legal Township	01N
Legal Subdivision	LAKEVIEW PLAT DB 143 P 206
Legal Block	13
Legal Lot Number	22-23 23
Jurisdiction	ESCAMBIA FL
Township / Civil Division	PENSACOLA
Census Block Group	2
Census Block	2019
Census Tract	900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1908 E CROSS ST, PENSACOLA, FL 32503-4832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2021 · Amount on Record
Deed Sale	May 4, 2021 · Amount on Record
Prior Sale	Aug 15, 2013 · Amount on Record
Deed Document Number	2021048526
Deed Book / Page	8522 / 885
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	May 4, 2021
Property Address	1908 E CROSS ST, PENSACOLA, FL 32503-4832
Document Number	0085220885
Book / Page	8522 / 885
Map Reference	MB 143 PG 206
Instrument Date	Apr 30, 2021
Instrument	2021048526
Transaction Type	Transfer
Record Updated	May 21, 2021
Title Company	PENSACOLA TITLE CO LLC, PENSACOLA TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,677.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3602 EBB TIDE LN, 3602, GULF BREEZE, FL 32563-2804

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1908 E CROSS ST, PENSACOLA, FL 32503-4832

Mortgage

Document Number	8522888
Date	May 4, 2021
Instrument	8522/888

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Escambia County assessment roll, as of July 1, 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		$150,604 (+5.99%)	$257,529 (+30.96%) Land $157,410 Building $100,119
2024	$1,685.00 (+3.18%)
2023	$1,633.00 (-1.27%) Homeowner's exemption Veteran's exemption	$142,098 (+3%)	$196,644 (+9.39%) Land $103,350 Building $93,294
2022	$1,654.00 Homeowner's exemption	$137,960	$179,763 Land $95,400 Building $84,363

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 Record median of 50 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	50 in force
Nearby Flood Claims	41 (1979–2023)
Claims Outside the SFHA	24 of 41
Most Recent Claim	Jun 2023 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 6 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 9 claims Hurricane Frances, Sep 2004 · 12 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	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.

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	1,000 / 75

May also be available: T-Mobile.

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