4541 Canopy Rd, Pensacola, FL 32504 Property Records

Escambia County property record for 4541 Canopy Rd, Pensacola, FL 32504

Property Summary

Property Type	Single Family Home
Details	5.5 ba · 5,185 sqft · built 1989
Lot Size	1.06 acres (46,526 sqft)
Owner	Individual Name on File
Last Sale	$1,065,000 (Dec 2021)
Tax Bill	$14,327 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-1S-29-5200-036-001`

Property Details

APN / Parcel Number

Primary APN	`11-1S-29-5200-036-001`
Alternative APNs	`012307180` `12307180`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	3 Stories
Building Area	5,185 sqft Living Area
Gross Area	6,441 sqft
1st Floor Area	2,068 sqft
Upper Floors Area	3,117 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	46,526 sqft (1.06 acres)
Garage Type	Attached
Garage Area	966 sqft
Parking Spaces	4 Parking Spaces
Pool Area	648 sqft
Porch	Patio
Porch Area	369 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	12307180
Street Address	4541 CANOPY RD
City	PENSACOLA
State	FL
Zip	32504-7801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AAA
Legal Description	LT 36 BLK A OAK HOLLOW PB 12 P 10 OR 8678 P 1021 SEC 11/12 T 1S R 29W
Legal Range	29W
Legal Township	01S
Legal Section	11
Legal Subdivision	OAK HOLLOW
Legal Block	A
Legal Lot Number	36
Jurisdiction	ESCAMBIA FL
Township / Civil Division	PENSACOLA
Census Block Group	1
Census Block	1037
Census Tract	1103

Owner

4541 Canopy Rd is owned and occupied by an individual who bought it in December 2021.

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

Owner of Record	Individual Name on File
Mailing Address	4541 CANOPY RD, PENSACOLA, FL 32504-7801
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 31, 2022	Deed of Trust, Mortgage · Line of Credit WHITNEY BANK
Dec 9, 2021	Warranty Deed, Transfer · Conventional Mortgage WHITNEY BANK
Mar 9, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2021 · Amount on File
Deed Sale	Dec 9, 2021 · Amount on File
Deed Document Number	2021133702
Deed Book / Page	8678 / 1021
Prior Transfer Date	Nov 17, 1999
Prior Transfer Doc	4496001096
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	4541 CANOPY RD, PENSACOLA, FL 32504-7801
Transaction Type	Mortgage
Record Updated	Feb 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4541 CANOPY RD, PENSACOLA, FL 32504-7801

Mortgage

Document Number	0087110210
Date	Jan 31, 2022
Book Page	8711/210
Instrument	2022009257

Lender

Name	WHITNEY BANK
Type	Bank
Address	GULF BREEZE, FL 32561

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 3, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Dec 9, 2021
Property Address	4541 CANOPY RD, PENSACOLA, FL 32504-7801
Document Number	0086781021
Book / Page	8678 / 1021
Map Reference	MB 12 PG 10
Instrument Date	Dec 7, 2021
Instrument	2021133702
Transaction Type	Transfer
Record Updated	Dec 24, 2021
Title Company	HARPER TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,455.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1302 E FISHER ST, 1302, PENSACOLA, FL 32503-4040

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4541 CANOPY RD, PENSACOLA, FL 32504-7801

Mortgage

Document Number	0086781024
Date	Dec 9, 2021
Instrument	8678/1024

Lender

Name	WHITNEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Jan 1, 2032
Change Frequency	Monthly
Min Rate At Change	2.75%
Max Rate At Change	7.5%
Index	Other
Max Rate	7.5%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	4541 CANOPY RD, PENSACOLA, FL 32504-7801
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0082591044
Date	Mar 9, 2020
Book Page	8259/1044
Instrument	2020020407

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 4541 Canopy Rd was $14,327 with a homeowner's exemption, up 5.9% from the year before.

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	$14,327.00 (+5.94%) Homeowner's exemption	$877,922	$1,184,587 Land $130,000 Building $1,054,587
2024	$13,524.00 (+1.39%)
2023	$13,338.00 (+2.33%) Homeowner's exemption	$828,331 (+3%)	$1,048,768 (+11.19%) Land $109,000 Building $939,768
2022	$13,034.00 Homeowner's exemption	$804,205	$943,206 Land $109,000 Building $834,206

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

Flood

FEMA maps place 4541 Canopy Rd in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1995.

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 83 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	83 in force
Nearby Flood Claims	8 (1995–2020)
Claims Outside the SFHA	7 of 8
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 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 4541 Canopy Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 387 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	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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