3527 Bonfire Ln, Pensacola, FL 32526 Property Records

Escambia County property record for 3527 Bonfire Ln, Pensacola, FL 32526

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,311 sqft · built 2021
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$377,500 (May 2026)
Tax Bill	$219 (2024)
Deeds & Mortgages	Jul 2024 Mortgage May 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`38-1S-31-1202-001-002`

Property Details

APN / Parcel Number

Primary APN	`38-1S-31-1202-001-002`
Alternative APN	`91709220`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,311 sqft Living Area
Gross Area	2,773 sqft
1st Floor Area	2,311 sqft
Flooring	Wood

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Hip
Roof Material	Other
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Unfinished Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	91709220
Street Address	3527 BONFIRE LN
City	PENSACOLA
State	FL
Zip	32526-8103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LT 1 BLK B EMBERS RIDGE PB 20 P 14/14A/14B OR 9023 P 1774
Legal Subdivision	EMBERS RIDGE
Legal Block	B
Legal Lot Number	1
Jurisdiction	ESCAMBIA FL
Township / Civil Division	PENSACOLA
Census Block Group	1
Census Block	1006
Census Tract	3308

Owner

3527 Bonfire Ln is owned and occupied by two individuals who bought it in May 2026.

Source: Escambia County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3527 BONFIRE LN, PENSACOLA, FL 32526-8103
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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

Date	Document
Jul 29, 2024	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
May 7, 2026	Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE COMPANY
May 7, 2026	Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE COMPANY
Aug 15, 2023	Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE CO
Dec 1, 2021	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2026 · Amount on File
Deed Sale	May 7, 2026 · Amount on File
Prior Sale	Aug 15, 2023 · Amount on File
Deed Document Number	202635817
Deed Book / Page	9488 / 1743
Record Updated	Oct 29, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	3527 BONFIRE LN, PENSACOLA, FL 32526-8103
Transaction Type	Mortgage
Record Updated	Jun 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3527 BONFIRE LN, PENSACOLA, FL 32526-8103

Mortgage

Document Number	0091810459
Date	Jul 29, 2024
Book Page	9181/459
Instrument	2024057518

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2054

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	May 7, 2026
Property Address	3527 BONFIRE LN, PENSACOLA, FL 32526-8103
Document Number	0000035817
Book / Page	9488 / 1743
Instrument Date	May 1, 2026
Instrument	2026.35817
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	PENSACOLA TITLE CO LLC, PENSACOLA TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$266,892.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3527 BONFIRE LN, PENSACOLA, FL 32526-8103

Mortgage

Document Number	0000035818,
Date	May 7, 2026
Instrument	2026..35818

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	May 7, 2026
Property Address	3527 BONFIRE LN, PENSACOLA, FL 32526-8103
Document Number	0094881743
Book / Page	9488 / 1743
Instrument Date	May 1, 2026
Instrument	202635817
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	PENSACOLA TITLE CO LLC, PENSACOLA TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$266,892.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3527 BONFIRE LN, PENSACOLA, FL 32526-8103

Mortgage

Document Number	0000035818,
Date	May 7, 2026
Instrument	202635818

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Aug 15, 2023
Property Address	3527 BONFIRE LN, PENSACOLA, FL 32526-8103
Document Number	0090231774
Book / Page	9023 / 1774
Map Reference	MB 20 PG 14,14A&14B
Instrument Date	Aug 11, 2023
Instrument	2023065102
Transaction Type	Transfer
Record Updated	Sep 4, 2023
Title Company	PENSACOLA TITLE CO LLC, PENSACOLA TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2549 SUTTON PLACE DR, CANTONMENT, FL 32533

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3527 BONFIRE LN, PENSACOLA, FL 32526-8103

Mortgage

Document Number	0090231777
Date	Aug 15, 2023
Instrument	9023/1777

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

December 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Dec 1, 2021
Property Address	3527 BONFIRE LN, PENSACOLA, FL 32526-8103
Document Number	0086720081
Book / Page	8672 / 81
Map Reference	MB 20 PG 14,14A&14B
Instrument Date	Nov 24, 2021
Instrument	2021130329
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,234.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3000 GULF BREEZE PKWY, GULF BREEZE, FL 32563-5623

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3527 BONFIRE LN, PENSACOLA, FL 32526-8103

Mortgage

Document Number	0000867285
Date	Dec 1, 2021
Instrument	8672/85

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

Source: Escambia County assessment roll, as of December 31, 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		$264,071	$356,963 Land $30,000 Building $326,963
2024	$219.00 (-94.63%)
2023	$4,079.00 (+0.3%) Homeowner's exemption	$330,066 (+3%)	$352,253 (+9.92%) Land $30,000 Building $322,253
2022	$4,067.00 Homeowner's exemption	$320,453	$320,453 Land $30,000 Building $290,453

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

Flood

FEMA maps place 3527 Bonfire Ln in Zone X, an area of minimal flood risk, though there have been 40 flood claims nearby since 1978.

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 24 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	40 (1978–2020)
Claims Outside the SFHA	34 of 40
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 15 claims Hurricane Georges, Sep 1998 · 7 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 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 3527 Bonfire Ln is moderate, ranking above 47% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% 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 373 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Verizon.

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