4786 Cerny Rd, Pensacola, FL 32526 Property Records

Escambia County property record for 4786 Cerny Rd, Pensacola, FL 32526

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,152 sqft · built 1960
Lot Size	0.215 acres (9,361 sqft)
Owner	2 Individual Names on Record
Last Sale	$108,300 (May 2019)
Tax Bill	$1,869 (2024)
Deeds & Mortgages	Jan 2026 Transfer May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-2S-31-2000-028-010`

Property Details

APN / Parcel Number

Primary APN	`01-2S-31-2000-028-010`
Alternative APNs	`092326000` `92326000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1990
Exterior Material	Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	9,361 sqft (0.215 acres)
Garage Type	Carport
Garage Area	336 sqft
Carport	Carport
Carport Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	56 sqft
Patio Area	396 sqft
Utility Building	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	92326000
Street Address	4786 CERNY RD
City	PENSACOLA
State	FL
Zip	32526-2755
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	LT 28 BLK J AVONDALE S/D PB 5 P 32 OR 8090 P 87
Legal Range	31W
Legal Township	02S
Legal Section	01
Legal Subdivision	AVONDALE PART A
Legal Block	J
Legal Lot Number	28
Jurisdiction	ESCAMBIA FL
Township / Civil Division	PENSACOLA
Census Block Group	1
Census Block	1012
Census Tract	3313

Owner

Source: Escambia County records, as of February 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4786 CERNY RD, PENSACOLA, FL 32526-2755
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Intrafamily Transfer, Transfer
May 6, 2019	Warranty Deed, Transfer · Conventional Mortgage PEN AIR FEDERAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2019 · Amount on Record
Deed Sale	May 6, 2019 · Amount on Record
Prior Sale	Jun 20, 2016 · Amount on Record
Deed Document Number	201939250
Deed Book / Page	8090 / 87
Last Transfer Date	Dec 29, 2025
Transfer Doc	0094400787
Record Updated	Jun 8, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ESCAMBIA FL
Recording Date	Jan 30, 2026
Property Address	4786 CERNY RD, PENSACOLA, FL 32526-2755
Document Number	0094400787
Book / Page	9440 / 787
Map Reference	MB 5 PG 32
Instrument Date	Dec 29, 2025
Instrument	2026008171
Transaction Type	Transfer
Record Updated	Feb 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7108 KELVIN TERRACE, PENSACOLA, FL 32503

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4786 CERNY RD, PENSACOLA, FL 32526-2755

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	May 6, 2019
Property Address	4786 CERNY RD, PENSACOLA, FL 32526-2755
Document Number	0080900087
Book / Page	8090 / 0087
Map Reference	MB 5 PG 32
Instrument Date	May 6, 2019
Instrument	2019039250
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$758.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4786 CERNY RD, 4786, PENSACOLA, FL 32526-2755

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7108 KELVIN TERRACE, PENSACOLA, FL 32503

Mortgage

Document Number	2019039251
Date	May 6, 2019
Instrument	2019039251

Lender

Name	PEN AIR FEDERAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

Source: Escambia County assessment roll, as of December 31, 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		$149,654 (+30.25%) Land $30,000 Building $119,654	$149,654 (+8.73%) Land $30,000 Building $119,654
2024	$1,869.00 (+5.83%)
2023	$1,766.00 (+11.07%)	$114,901 (-1.69%)	$137,641 (+17.77%) Land $25,000 Building $112,641
2022	$1,590.00	$116,872	$116,872 Land $15,000 Building $101,872

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 · 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 Record median of 15 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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 435 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

May also be available: Hotwire Communications.

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