528 Carson Dr, Pensacola, FL 32507 Property Records

Escambia County property record for 528 Carson Dr, Pensacola, FL 32507

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,407 sqft · built 2001
Lot Size	0.348 acres (15,202 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Nov 2019)
Tax Bill	$4,056 (2024)
Deeds & Mortgages	Dec 2025 Line of Credit May 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-3S-31-6001-020-012`

Property Details

APN / Parcel Number

Primary APN	`22-3S-31-6001-020-012`
Alternative APN	`102058780`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,407 sqft Adjusted Area
1st Floor Area	2,061 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	15,202 sqft (0.348 acres)
Garage Type	Finished
Garage Area	512 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	448 sqft
Porch	Porch
Porch Area	263 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	102058780
Old Parcel Number	102058780
Street Address	528 CARSON DR
City	PENSACOLA
State	FL
Zip	32507-8174
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HDR
Legal Description	LT 20 BLK L CHANDELLE 3RD ADDN PB 16 P 8/8A OR 8205 P 878
Legal Range	31W
Legal Township	03S
Legal Section	22
Legal Subdivision	CHANDELLE FIRST ADDN PHASE TWO
Legal Block	L
Legal Lot Number	20
Jurisdiction	ESCAMBIA FL
Township / Civil Division	PENSACOLA
Census Block Group	1
Census Block	1011
Census Tract	2607

Owner

528 Carson Dr is owned and occupied by an individual who bought it in November 2019.

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

Owner of Record	Individual Name on File
Mailing Address	528 CARSON DR, PENSACOLA, FL 32507-8174
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
Dec 1, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
May 22, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Sep 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 25, 2019	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 2019 · Amount on File
Deed Sale	Nov 25, 2019 · Amount on File
Prior Sale	Aug 31, 2001 · Amount on File
Deed Document Number	2019103665
Deed Book / Page	8205 / 0878
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	528 CARSON DR, PENSACOLA, FL 32507-8174
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 CARSON DR, PENSACOLA, FL 32507-8174

Mortgage

Document Number	0094131482
Date	Dec 1, 2025
Book Page	9413/1482
Instrument	2025091480

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Dec 1, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	528 CARSON DR, PENSACOLA, FL 32507-8174
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 CARSON DR, PENSACOLA, FL 32507-8174
Investor	Possibly a Property Investor

Mortgage

Document Number	0089811246
Date	May 22, 2023
Book Page	8981/1246
Instrument	2023041120

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PENSACOLA, FL 32507

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 14, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	528 CARSON DR, PENSACOLA, FL 32507-8174
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 CARSON DR, PENSACOLA, FL 32507-8174

Mortgage

Document Number	0086110719
Date	Sep 3, 2021
Book Page	8611/719
Instrument	2021097845

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Nov 25, 2019
Property Address	528 CARSON DR, PENSACOLA, FL 32507-8174
Document Number	0082050878
Book / Page	8205 / 0878
Map Reference	MB 16 PG 8
Instrument Date	Nov 22, 2019
Instrument	2019103665
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	528 CARSON DR, 528, PENSACOLA, FL 32507-8174

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3139 W 154TH ST, GARDENA, CA 90249-4013

Mortgage

Document Number	0008205881
Date	Nov 25, 2019
Instrument	8205/881

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Escambia County assessment roll, as of July 1, 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		$354,556	$368,859 Land $65,000 Building $303,859
2024	$4,056.00 (+0.7%)
2023	$4,028.00 (+2.29%) Homeowner's exemption	$334,529 (+3%)	$372,656 (+14.74%) Land $65,000 Building $307,656
2022	$3,938.00 Homeowner's exemption	$324,786	$324,786 Land $48,000 Building $276,786

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

Flood

FEMA maps place 528 Carson Dr in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.

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 329 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	329 in force
Nearby Flood Claims	18 (2004–2020)
Claims Outside the SFHA	17 of 18
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 8 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 7 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 528 Carson Dr is moderate, ranking above 58% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within 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 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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