3870 Howell Rd, Mc David, FL 32568 Property Records

Escambia County property record for 3870 Howell Rd, Mc David, FL 32568

Property Summary

Property Type	Farm - Irrigated or Dry
Details	2 ba · 1,890 sqft · built 1962
Lot Size	9.27 acres (404,237 sqft)
Owner	Individual Name on Record
Tax Bill	$607 (2024)
Deeds & Mortgages	Jan 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-4N-32-2300-000-001`

Property Details

APN / Parcel Number

Primary APN	`16-4N-32-2300-000-001`
Alternative APN	`122601075`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,890 sqft Adjusted Area
1st Floor Area	1,624 sqft
Sunroom	Sunroom
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Wood
Roof Type	Hip
Roof Material	Metal
Lot Area	404,237 sqft (9.27 acres)
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	24 sqft
Patio Area	180 sqft
Shed	1 Shed
Stable	Stable
Utility Building	160 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	122601075
Old Parcel Number	122601075
Street Address	3870 HOWELL RD
City	MC DAVID
State	FL
Zip	32568-2011
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Local Zoning Code	AGR
Legal Description	BEG AT NE COR OF NW 1/4 OF NW 1/4 OF SEC S ALG E LI OF W 1/2 OF NW 1/4 2625 19/100 FT FOR POB DEFLECT RIGHT 90 DEG 348 87/100
Legal Range	32W
Legal Township	04N
Legal Section	16
Legal Subdivision	SUBDIVISION NUMBER: 2300
Legal Block	1
Jurisdiction	ESCAMBIA FL
Township / Civil Division	NORTHWEST ESCAMBIA
Census Block Group	1
Census Block	1123
Census Tract	3800

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	Individual Name on Record
Mailing Address	3870 HOWELL RD, WALNUT HILL, FL 32568-2011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2000
Deed Sale	Dec 19, 2000
Deed Document Number	0463901410
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	3870 HOWELL RD, MC DAVID, FL 32568-2011
Transaction Type	Mortgage
Record Updated	Feb 13, 2024
Title Company	CLEAR TITLE/NW FL LLC, CLEAR TTL OF NORTHWEST FL LL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3870 HOWELL RD, WALNUT HILL, FL 32568-2011

Mortgage

Document Number	0089181912
Date	Jan 20, 2023
Book Page	8918/1912
Instrument	2023004642

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Feb 1, 2033
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Index	1-Year T-Bill
Margin	3
Max Rate	9.5%

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		$78,931 (+5.85%)	$168,797 (+2.93%) Land $7,056 Building $161,741
2024	$607.00 (+1.51%)
2023	$598.00 (+0.84%) Homeowner's exemption	$74,567 (+2.93%)	$163,993 (-0.66%) Land $7,056 Building $156,937
2022	$593.00 Homeowner's exemption	$72,444	$165,082 Land $4,656 Building $160,426

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	0.2% 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	EREC WATER SYSTEM serves 4,238 people · EPA ID FL1170718
Water Source	Groundwater
Last State Inspection	May 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000