2770 Gandy Ln, Pensacola, FL 32507 Property Records

Escambia County property record for 2770 Gandy Ln, Pensacola, FL 32507

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,621 sqft · built 2006
Lot Size	0.741 acres (32,278 sqft)
Owner	Individual Name on Record
Last Sale	$820,000 (Oct 2025)
Tax Bill	$8,004 (2024)
Deeds & Mortgages	Oct 2025 Sale & Mortgage May 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`33-2S-31-2000-161-003`

Property Details

APN / Parcel Number

Primary APN	`33-2S-31-2000-161-003`
Alternative APNs	`094933750` `94933750`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	3,621 sqft Adjusted Area
1st Floor Area	2,802 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2015
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Pile
Roof Type	Hip
Roof Material	Shingle
Lot Area	32,278 sqft (0.741 acres)
Lot Width	100 ft Width
Garage Type	Carport
Garage Area	420 sqft
Carport	Carport
Parking Spaces	10 Parking Spaces
Porch	Porch
Porch Area	816 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	94933750
Old Parcel Number	094933750
Street Address	2770 GANDY LN
City	PENSACOLA
State	FL
Zip	32507-2531
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	BEG AT NW COR LT 15 BLK C GULF BEACH MANOR S ALG W LI LT 15 110 FT 90 DEG 57 MIN LEFT ELY 100 FT TO W LI LT 16 90 DEG 57 MIN
Legal Range	31W
Legal Township	02S
Legal Section	33
Legal Subdivision	GULF BEACH MANOR
Legal Block	C
Legal Lot Number	15
Jurisdiction	ESCAMBIA FL
Township / Civil Division	PENSACOLA
Census Block Group	2
Census Block	2029
Census Tract	2704

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 Record
Co-owner	Co-owner on Record
Mailing Address	8236 LODE STAR AVE, PENSACOLA, FL 32514-7469
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2025	Warranty Deed, Transfer · Conventional Mortgage DFCU FINANCIAL
May 27, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2025 · Amount on Record
Deed Sale	Oct 17, 2025 · Amount on Record
Prior Sale	May 27, 2022 · Amount on Record
Deed Document Number	2025079434
Deed Book / Page	9393 / 549
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Oct 17, 2025
Property Address	2770 GANDY LN, PENSACOLA, FL 32507-2531
Document Number	0093930549
Book / Page	9393 / 549
Instrument Date	Oct 15, 2025
Instrument	2025079434
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	CITIZENS TITLE COMPANY, CITIZENS TITLE GROUP INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,740.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7588 STEEPLECHASE BLVD, PENSACOLA, FL 32526-2172

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8236 LODE STAR AVE, PENSACOLA, FL 32514-7469

Mortgage

Document Number	0009393552
Date	Oct 17, 2025
Instrument	9393/552

Lender

Name	DFCU FINANCIAL
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Jan 11, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.6%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.6%

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	May 27, 2022
Property Address	2770 GANDY LN, PENSACOLA, FL 32507-2531
Document Number	0087931728
Book / Page	8793 / 1728
Instrument Date	May 26, 2022
Instrument	2022055184
Transaction Type	Transfer
Record Updated	Jun 17, 2022
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$6,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9739 SIDNEY RD, 9739, PENSACOLA, FL 32507-9219

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7588 STEEPLECHASE BLVD, PENSACOLA, FL 32526-2172

Mortgage

Document Number	0087931730
Date	May 27, 2022
Instrument	8793/1730

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Jun 1, 2027
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7%
Index	Other
Margin	3
Max Rate	10%

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		$613,882 (+0.76%)	$613,882 (+0.76%) Land $117,000 Building $496,882
2024	$8,004.00 (+1.69%)	$609,236 (+4.32%)	$609,236 (+4.32%) Land $117,000 Building $492,236
2023	$7,871.00 (+232.11%)	$584,008 (+181.13%)	$584,008 (+20.65%) Land $112,500 Building $471,508
2022	$2,370.00 Homeowner's exemption	$207,737	$484,068 Land $112,500 Building $371,568

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 283 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	283 in force
Nearby Flood Claims	240 (1979–2023)
Claims Outside the SFHA	92 of 240
Most Recent Claim	Jun 2023 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 83 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 26 claims Hurricane Frances, Sep 2004 · 77 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 61% of the US · lower than 64% of Florida
Wildfire Likelihood	0.2% 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	PEOPLES WATER SERVICE COMPANY public/private · serves 24,806 people · EPA ID FL1170527
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	9 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 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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