Escambia County property record for 424 Chipley Ave, Pensacola, FL 32503
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,469 sqft · built 2004 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $585,000 (Aug 2024) |
| Tax Bill | $7,346 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Feb 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-2S-29-5905-025-011 |
| Primary APN | 05-2S-29-5905-025-011 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,469 sqft Living Area |
| Gross Area | 3,144 sqft |
| 1st Floor Area | 1,267 sqft |
| Upper Floors Area | 1,202 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Width | 140 ft Width |
| Garage Type | Attached |
| Garage Area | 675 sqft |
| Porch | Open Porch |
| Porch Area | 232 sqft |
| Patio Area | 245 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 13080000 |
|---|---|
| Street Address | 424 CHIPLEY AVE |
| City | PENSACOLA |
| State | FL |
| Zip | 32503-6427 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1AAA |
| Legal Description | COM NLY COR BLK 11 EAS PENSACOLA HEIGHTS DB 77 P 520 S 40 DEG 00 MIN 00 SEC W ALG SELY R/W LI CHIPLEY AVE (60 FT R/W) 101.50 FT TO POB CONT S 40 DEG 00 MIN 00 SEC W 120.35 FT S 56 DEG 30 MIN 18 SEC E AND PARALLEL TO AGREED COMMON BOUNDARY LI DESCRIBE |
| Legal Range | 29W |
| Legal Township | 02S |
| Legal Section | 05 |
| Legal Subdivision | EAST PENSACOLA PLAT |
| Legal Block | 11 |
| Legal Lot Number | 25 |
| Jurisdiction | ESCAMBIA FL |
| Township / Civil Division | PENSACOLA |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 1002 |
Source: Escambia County records, as of July 29, 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 | 424 CHIPLEY AVE, PENSACOLA, FL 32503-6427 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Woman, Separate Property |
| Date | Document |
|---|---|
| Jul 16, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Feb 24, 2023 | Correction Deed |
| Feb 23, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 19, 2024 · Amount on Record |
| Deed Sale | Aug 19, 2024 · Amount on Record |
| Deed Document Number | 202463097 |
| Deed Book / Page | 9190 / 1652 |
| Prior Transfer Date | Feb 24, 2023 |
| Prior Transfer Doc | 0089341571 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESCAMBIA FL |
| Recording Date | Jul 16, 2026 |
| Property Address | 424 CHIPLEY AVE, PENSACOLA, FL 32503-6427 |
| Document Number | 0000054995 |
| Book / Page | 9522 / 116 |
| Instrument Date | Jul 7, 2026 |
| Instrument | 202654995 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 424 CHIPLEY AVE, PENSACOLA, FL 32503-6427 |
| Document Number | 0000054995, |
|---|---|
| Date | Jul 16, 2026 |
| Book Page | 9522/116 |
| Instrument | 202654995 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Aug 1, 2066 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | ESCAMBIA FL |
| Recording Date | Feb 24, 2023 |
| Property Address | 424 CHIPLEY AVE, PENSACOLA, FL 32503-6427 |
| Document Number | 0089341571 |
| Book / Page | 8934 / 1571 |
| Instrument Date | Feb 24, 2023 |
| Instrument | 2023014418 |
| Record Updated | Feb 13, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 424 BAY BLVD, PENSACOLA, FL 32503-6417 |
| Name | Verified Name |
|---|---|
| Address | 424 1 2 BAY BLVD, PENSACOLA, FL 32503 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ESCAMBIA FL |
| Recording Date | Feb 23, 2023 |
| Property Address | 424 CHIPLEY AVE, PENSACOLA, FL 32503-6427 |
| Document Number | 0089340480 |
| Book / Page | 8934 / 480 |
| Instrument Date | Feb 23, 2023 |
| Instrument | 2023014105 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 424 BAY BLVD, PENSACOLA, FL 32503-6417 |
| Name | Verified Name |
|---|---|
| Address | 424 1 2 BAY BLVD, PENSACOLA, FL 32503 |
Source: Escambia County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Escambia County |
| Municipality | Pensacola City |
| Unified School District | Escambia County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,346.00 (-6.89%) | $468,716 (+3.22%) Land $183,525 Building $285,191 | $468,716 (+3.22%) Land $183,525 Building $285,191 |
| 2024 | $7,890.00 (+0.56%) | ||
| 2023 | $7,846.00 (+62.98%) | $454,079 (+44.39%) | $454,079 (-22.55%) Land $183,525 Building $270,554 |
| 2022 | $4,814.00 Homeowner's exemption | $314,488 | $586,251 Land $294,857 Building $291,394 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 36 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 45 units insured incl. 9 condo units |
| Nearby Flood Claims | 43 (1979–2021) |
| Claims Outside the SFHA | 17 of 43 |
| Most Recent Claim | Oct 2021 · rainfall accumulation |
| Claims by Event |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 135 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| T-Mobile Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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