509 E Scott St, Pensacola, FL 32503 Property Records

Escambia County property record for 509 E Scott St, Pensacola, FL 32503

Property Summary

Property Type	Single Family Home
Details	2 ba · 949 sqft · built 2020
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$223,000 (Nov 2022)
Tax Bill	$3,428 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00-0S-00-9020-007-088`

Property Details

APN / Parcel Number

Primary APN	`00-0S-00-9020-007-088`
Alternative APN	`133588060`

Interior

Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	949 sqft Living Area
1st Floor Area	949 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Siding
Construction Type	Wood
Roof Type	Hip
Roof Material	Other
Lot Area	5,663 sqft (0.13 acres)
Porch	Open Porch
Utility Building	21 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	133588060
Street Address	509 E SCOTT ST
City	PENSACOLA
State	FL
Zip	32503-3833
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AA
Legal Description	EAST 1/2 OF LOT 5 BLOCK 88 EAST KING TRACT OR 8894 P 956 CA 63
Legal Subdivision	EAST KING TRACT
Legal Block	88
Legal Lot Number	5
Jurisdiction	ESCAMBIA FL
Township / Civil Division	PENSACOLA
Census Block Group	1
Census Block	1040
Census Tract	1500

Owner

Source: Escambia County records, as of August 27, 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	509 E SCOTT ST, PENSACOLA, FL 32503-3833
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Nov 23, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2022 · Amount on Record
Deed Sale	Nov 23, 2022 · Amount on Record
Deed Document Number	2022113730
Deed Book / Page	8894 / 956
Prior Transfer Date	Nov 5, 2020
Prior Transfer Doc	0000094506
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	509 E SCOTT ST, PENSACOLA, FL 32503-3833
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0089391416
Date	Mar 6, 2023
Book Page	8939/1416
Instrument	2023017350

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Mar 1, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.5%
Index	1-Year T-Bill
Max Rate	11.5%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Nov 23, 2022
Property Address	509 E SCOTT ST, PENSACOLA, FL 32503-3833
Document Number	0088940956
Book / Page	8894 / 956
Instrument Date	Nov 22, 2022
Instrument	2022113730
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,561.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	509 E SCOTT ST, PENSACOLA, FL 32503-3833

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 E SCOTT ST, PENSACOLA, FL 32503-3833
Investor	Possibly a Property Investor

Mortgage

Document Number	0008894960
Date	Nov 23, 2022
Instrument	8894/960

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Tax Assessment & Valuation

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	$3,428.00 (+4.29%)	$194,485 (+6.87%) Land $13,590 Building $180,895	$194,485 (+6.87%) Land $13,590 Building $180,895
2024	$3,287.00 (+4.38%)
2023	$3,149.00 (+22.53%)	$181,975 (+11.88%)	$181,975 (+11.88%) Land $13,590 Building $168,385
2022	$2,570.00	$162,656	$162,656 Land $10,872 Building $151,784

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 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	5 (1985–2020)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 2 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% 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 336 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
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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