3140 Windermere Dr, Pensacola, FL 32503 Property Records

Escambia County property record for 3140 Windermere Dr, Pensacola, FL 32503

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,194 sqft · built 1983
Lot Size	0.273 acres (11,892 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Jan 2017)
Tax Bill	$3,012 (2024)
Deeds & Mortgages	Mar 2024 Line of Credit Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33-1S-30-1150-018-073`

Property Details

APN / Parcel Number

Primary APN	`33-1S-30-1150-018-073`
Alternative APNs	`033519834` `33519834`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,194 sqft Adjusted Area
1st Floor Area	1,826 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	11,892 sqft (0.273 acres)
Garage Type	Finished
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces
Pool Area	512 sqft
Porch	Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	33519834
Old Parcel Number	033519834
Street Address	3140 WINDERMERE DR
City	PENSACOLA
State	FL
Zip	32503-5874
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AAAA
Legal Description	LT 18 BLK 73 WINDERMERE PB 10 P 99 OR 7649 P 584 SHEET L
Legal Range	30W
Legal Township	01S
Legal Section	33
Legal Subdivision	WINDERMERE
Legal Block	73
Legal Lot Number	18
Jurisdiction	ESCAMBIA FL
Township / Civil Division	PENSACOLA
Census Block Group	3
Census Block	3012
Census Tract	1001

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	2 Individual Names on Record
Mailing Address	3140 WINDERMERE DR, PENSACOLA, FL 32503-5874
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jan 5, 2017	Warranty Deed, Transfer · Conventional with PMI HOME MTG/AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2017 · Amount on Record
Deed Sale	Jan 5, 2017 · Amount on Record
Prior Sale	Nov 4, 1996 · Amount on Record
Deed Document Number	2017001095
Deed Book / Page	7649 / 0584
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	3140 WINDERMERE DR, PENSACOLA, FL 32503-5874
Transaction Type	Mortgage
Record Updated	Apr 3, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3140 WINDERMERE DR, PENSACOLA, FL 32503-5874

Mortgage

Document Number	0091171880
Date	Mar 15, 2024
Book Page	9117/1880
Instrument	2024019753

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 10, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Jan 5, 2017
Property Address	3140 WINDERMERE DR, PENSACOLA, FL 32503-5874
Document Number	0076490584
Book / Page	007649 / 000584
Instrument Date	Dec 28, 2016
Instrument	1095
Transaction Type	Transfer
Record Updated	Jan 10, 2017
Title Company	COASTAL TITLE, COASTAL TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3140 WINDERMERE DR PENSACOLA FL 325035874, PENSACOLA, FL 32503-5874

Mortgage

Document Number	76490586,
Date	Jan 5, 2017
Book Page	007649/000586
Instrument	1096

Lender

Name	HOME MTG/AMERICA
Type	Mortgage Company
Address	BIRMINGHAM, AL 35243

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 4, 2047

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		$219,899 (+5.99%)	$327,339 (+7.2%) Land $80,000 Building $247,339
2024	$3,012.00 (+3.61%)
2023	$2,907.00 (+2.79%) Homeowner's exemption	$207,478 (+3%)	$305,354 (+8.65%) Land $72,000 Building $233,354
2022	$2,828.00 Homeowner's exemption	$201,435	$281,052 Land $72,000 Building $209,052

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 77 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	77 in force
Nearby Flood Claims	2 (2004–2011)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2011 · other causes

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	Not rated no burnable land within 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 258 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	1,000 / 75

May also be available: Hotwire Communications.

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