3102 E Lloyd St, Pensacola, FL 32503 Property Records

Escambia County property record for 3102 E Lloyd St, Pensacola, FL 32503

Property Summary

Property Type	Single Family Home
Details	1 ba · 924 sqft · built 1953
Lot Size	0.172 acres (7,510 sqft)
Owner	2 Individual Names on File
Tax Bill	$617 (2024)
Deeds & Mortgages	Jun 2020 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-2S-29-5905-005-056`

Property Details

APN / Parcel Number

Primary APN	`05-2S-29-5905-005-056`
Alternative APNs	`013371000` `13371000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	924 sqft Living Area
1st Floor Area	924 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1960
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,510 sqft (0.172 acres)
Lot Width	50 ft Width
Garage Type	Carport
Carport	Carport
Porch	Open Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	13371000
Street Address	3102 E LLOYD ST
City	PENSACOLA
State	FL
Zip	32503-6826
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AA
Legal Description	LTS 5 6 BLK 56 EAST PENSACOLA PLAT DB 77 P 520 S 10 FT OF ADJOINING ALLEY ORD NO 39-90 OR 694/1191 P 365/270 OR 5937 P 777 OR 5991 P 99 OR 8396 P 529 CA 5
Legal Range	29W
Legal Township	02S
Legal Section	05
Legal Subdivision	EAST PENSACOLA PLAT
Legal Block	56
Legal Lot Number	5
Jurisdiction	ESCAMBIA FL
Township / Civil Division	PENSACOLA
Census Block Group	1
Census Block	1027
Census Tract	1002

Owner

3102 E Lloyd St is owned and occupied by two individuals who acquired it in September 2006.

Source: Escambia County records, as of December 31, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3102 E LLOYD ST, PENSACOLA, FL 32503-6826
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 Transfer Date	Sep 7, 2006
Transfer Doc	0059910099
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	3102 E LLOYD ST, PENSACOLA, FL 32503-6826
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0083081444
Date	Jun 8, 2020
Book Page	8308/1444
Instrument	2020045562

Lender

Name	GULF WINDS FCU
Type	Credit Union
Address	PENSACOLA, FL 32534

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	145 Months
Due	Jul 1, 2032

Tax Assessment & Valuation

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		$79,006	$175,604 Land $100,033 Building $75,571
2024	$617.00 (+5.83%)
2023	$583.00 (+0.87%) Homeowner's exemption	$74,544 (+3%)	$153,578 (+11.51%) Land $83,361 Building $70,217
2022	$578.00 Homeowner's exemption	$72,373	$137,727 Land $75,025 Building $62,702

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

Flood

FEMA maps place 3102 E Lloyd St in Zone X, an area of minimal flood risk, though there have been 43 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 36 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	45 units insured incl. 9 condo units
Nearby Flood Claims	43 (1979–2021)
Claims Outside the SFHA	17 of 43
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 7 claims Hurricane Frances, Sep 2004 · 15 claims Hurricane Georges, Sep 1998 · 4 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 3102 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 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 255 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber · Fixed Wireless	5,000 / 5,000
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20