4640 Regency Ct, Pensacola, FL 32504 Property Records

Escambia County property record for 4640 Regency Ct, Pensacola, FL 32504

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,161 sqft · built 1972
Lot Size	0.335 acres (14,636 sqft)
Owner	2 Owner Names on File
Tax Bill	$1,563 (2024)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-1S-29-3000-019-002`

Property Details

APN / Parcel Number

Primary APN	`09-1S-29-3000-019-002`
Alternative APNs	`011191168` `11191168`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,161 sqft Adjusted Area
1st Floor Area	1,953 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	14,636 sqft (0.335 acres)
Garage Type	Finished
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	450 sqft
Porch	Porch
Porch Area	80 sqft
Patio Area	144 sqft
Utility Building	190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	11191168
Old Parcel Number	011191168
Street Address	4640 REGENCY CT
City	PENSACOLA
State	FL
Zip	32504-9132
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AAA
Legal Description	LT 19 LESS E 3 FT BLK 2 WOODCLIFF UNIT 3 PB 7 P 44 OR 6387 P 1341/1342
Legal Range	29W
Legal Township	01S
Legal Section	09
Legal Subdivision	WOODCLIFF UNIT #1
Legal Block	2
Legal Lot Number	19
Legal Unit	3
Jurisdiction	ESCAMBIA FL
Township / Civil Division	PENSACOLA
Census Block Group	1
Census Block	1019
Census Tract	1103

Owner

The current owner of 4640 Regency Ct acquired it in October 2008.

Source: Escambia County records, as of December 17, 2025

Owner of Record	2 Owner Names on File
Mailing Address	4640 REGENCY CT, PENSACOLA, FL 32504-9132
Occupancy	Owner Occupied

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2008
Deed Sale	Oct 16, 2008
Prior Sale	Oct 16, 2008
Deed Document Number	2008078068
Deed Book / Page	6387 / 1342
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	4640 REGENCY CT, PENSACOLA, FL 32504-9132
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4640 REGENCY CT, PENSACOLA, FL 32504-9132

Mortgage

Document Number	0084771303
Date	Mar 5, 2021
Book Page	8477/1303
Instrument	2021023714

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	163 Months
Due	Oct 10, 2034

Tax Assessment & Valuation

Source: Escambia County assessment roll, as of July 1, 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		$129,735	$248,130 Land $55,000 Building $193,130
2024	$1,563.00 (+6.18%)
2023	$1,472.00 (+3.37%) Homeowner's exemption	$122,407 (+3%)	$232,500 (+22.44%) Land $50,000 Building $182,500
2022	$1,424.00 Homeowner's exemption	$118,842	$189,891 Land $24,000 Building $165,891

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

Flood

FEMA maps place 4640 Regency Ct 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 4640 Regency Ct is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% 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 227 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20