3505 Silvergate Way, Pensacola, FL 32504 Property Records

Escambia County property record for 3505 Silvergate Way, Pensacola, FL 32504

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,395 sqft · built 1987
Lot Size	0.105 acres (4,556 sqft)
Owner	Individual Name on Record
Last Sale	$279,900 (Mar 2026)
Tax Bill	$1,250 (2024)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-1S-29-0500-003-004`

Property Details

APN / Parcel Number

Primary APN	`16-1S-29-0500-003-004`
Alternative APNs	`012644088` `12644088`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,395 sqft Living Area
Gross Area	1,813 sqft
1st Floor Area	1,395 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	4,556 sqft (0.105 acres)
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	12644088
Street Address	3505 SILVERGATE WAY
City	PENSACOLA
State	FL
Zip	32504-4973
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-ZL
Legal Description	LT 3 BLK D SILVERLEAF S/D PB 13 P 50 OR 3102 P 247 OR 3247 P 650 OR 8415 P 1485
Legal Range	29W
Legal Township	01S
Legal Section	16
Legal Subdivision	SILVERLEAF S/D
Legal Block	D
Legal Lot Number	3
Jurisdiction	ESCAMBIA FL
Township / Civil Division	PENSACOLA
Census Block Group	1
Census Block	1020
Census Tract	1101

Owner

Source: Escambia County records, as of March 26, 2026

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
Mailing Address	3505 SILVERGATE WAY, PENSACOLA, FL 32504-4973
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2026 · Amount on Record
Deed Sale	Mar 10, 2026 · Amount on Record
Deed Document Number	202618537
Deed Book / Page	9458 / 1053
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Mar 10, 2026
Property Address	3505 SILVERGATE WAY, PENSACOLA, FL 32504-4973
Document Number	0094581053
Book / Page	9458 / 1053
Map Reference	MB 13 PG 50&50A
Instrument Date	Feb 10, 2026
Instrument	2026018537
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATIONAL TTL AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,959.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	437 GOWEN RD, MANCHESTER, TN 37355-3362

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3505 SILVERGATE WAY, PENSACOLA, FL 32504-4973

Mortgage

Document Number	0094581056
Date	Mar 10, 2026
Instrument	9458/1056

Lender

Name	SOFI BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

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		$119,369 (+5.99%)	$214,583 (+4.56%) Land $55,000 Building $159,583
2024	$1,250.00 (+5.93%)
2023	$1,180.00 (-2.64%) Homeowner's exemption Widower's exemption	$112,627 (+3%)	$205,219 (+19.28%) Land $55,000 Building $150,219
2022	$1,212.00 Homeowner's exemption Widower's exemption	$109,347	$172,054 Land $38,000 Building $134,054

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 101 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	101 in force
Nearby Flood Claims	23 (1979–2020)
Claims Outside the SFHA	14 of 23
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 3 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 10 claims Hurricane Frances, Sep 2004 · 2 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 508 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 · DSL	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	1,000 / 75