415 S E St, Pensacola, FL 32502 Property Records

Escambia County property record for 415 S E St, Pensacola, FL 32502 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	2,010 sqft · built 2021
Lot Size	0.103 acres (4,500 sqft)
Owner	Individual Name on File
Last Sale	$460,000 (Jul 2021)
Tax Bill	$5,234 (2024)
Deeds & Mortgages	Jul 2022 Line of Credit Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00-0S-00-9080-240-122`

Property Details

APN / Parcel Number

Primary APN	`00-0S-00-9080-240-122`
Alternative APN	`153454015`

Interior

Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,010 sqft Adjusted Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	4,500 sqft (0.103 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	153454015
Street Address	415 S E ST
City	PENSACOLA
State	FL
Zip	32502-5361
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 24 BLK 122 MAXENT TRACT OR 8586 P 501 CA 102
Legal Township	01N
Legal Subdivision	MAXENT TRACT PDB 14 P 365
Legal Block	122
Legal Lot Number	24
Jurisdiction	ESCAMBIA FL
Township / Civil Division	PENSACOLA
Census Block Group	1
Census Block	1064
Census Tract	300

Owner

Source: Escambia County records · APN 00-0S-00-9080-240-122

Assessment roll updated July 1, 2025 · Last verified December 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 File
Mailing Address	415 S E ST, PENSACOLA, FL 32502-5361
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2022	Deed of Trust, Mortgage · Line of Credit LOWER LLC
Jul 29, 2021	Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC
Aug 05, 2020	Warranty Deed, Transfer FIRST INT'L TITLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 29, 2021 · Amount on Record
Deed Sale	Jul 29, 2021 · Amount on Record
Deed Document Number	2021084099
Deed Book / Page	8586 / 501
Record Updated	Jun 08, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	415 S E ST, PENSACOLA, FL 32502-5361
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 S E ST, PENSACOLA, FL 32502-5361

Mortgage

Document Number	0088311543
Date	Jul 29, 2022
Book Page	8831/1543
Instrument	2022077228

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Jul 29, 2021
Property Address	415 S E ST, PENSACOLA, FL 32502-5361
Document Number	0085860501
Book / Page	8586 / 501
Instrument Date	Jul 27, 2021
Instrument	2021084099
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	EMERALD COAST TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	401 S E ST CHASE ST100, ST100, PENSACOLA, FL 32502-5361

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 S E ST, PENSACOLA, FL 32502-5361

Mortgage

Document Number	0008586503
Date	Jul 29, 2021
Instrument	8586/503

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Aug 05, 2020
Property Address	415 S E ST, PENSACOLA, FL 32502-5361
Document Number	0083440658
Book / Page	008344 / 000658
Instrument Date	Jul 31, 2020
Instrument	63689
Transaction Type	Transfer
Record Updated	Sep 07, 2020
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Tax	$1,050.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	401 E CHASE ST PENSACOLA FL 325026109, PENSACOLA, FL 32502-6109

Tax Assessment & Valuation

Source: Escambia County records · Assessment roll updated July 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$362,073 (+5.99%)	$379,290 (+4.76%) Land $54,000 Building $325,290
2024	$5,234.00 (+2.09%)
2023	$5,127.00 (+2.54%) Homeowner's exemption	$341,621 (+3%)	$362,072 (+9.17%) Land $54,000 Building $308,072
2022	$5,000.00 Homeowner's exemption	$331,671	$331,671 Land $54,000 Building $277,671

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Escambia County (12033C), updated August 18, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120330003001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Flood Insurance Cost	Premium on Record median of 119 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	183 units insured 64 under condo master policies
Nearby Flood Claims	207 (1979–2023)
Claims Outside the SFHA	104 of 207
Most Recent Claim	Jun 2023, rainfall accumulation
Claims By Storm	Hurricane Sally, Sep 2020 · 35 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 17 claims Hurricane Frances, Sep 2004 · 64 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 179 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Cox Communications	Cable	2,000 / 100
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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