643 Cedar Bluff Dr, Pensacola, FL 32506 Property Records

Escambia County property record for 643 Cedar Bluff Dr, Pensacola, FL 32506

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,237 sqft · built 1989
Lot Size	0.291 acres (12,676 sqft)
Owner	Individual Name on File
Tax Bill	$1,060 (2024)
Deeds & Mortgages	Feb 2017 Mortgage
Flood Zone	Zone A (high risk)
APN	`17-2S-31-3302-008-004`

Property Details

APN / Parcel Number

Primary APN	`17-2S-31-3302-008-004`
Alternative APNs	`093970280` `93970280`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,237 sqft Adjusted Area
1st Floor Area	2,286 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	12,676 sqft (0.291 acres)

Exterior Amenities

Porch	Porch
Porch Area	21 sqft
Patio Area	220 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	93970280
Old Parcel Number	093970280
Street Address	643 CEDAR BLUFF DR
City	PENSACOLA
State	FL
Zip	32506-6216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	LT 8 BLK D PINE LAKE ESTATES UNIT #5 PB 13 P 10 ALSO 1/99TH INT IN PARCELS A & B OR 2670 P 581 LESS MINERAL RIGHTS
Legal Range	31W
Legal Township	02S
Legal Section	17
Legal Subdivision	PINE LAKE ESTATES UNIT #5
Legal Block	D
Legal Lot Number	8
Legal Unit	5
Jurisdiction	ESCAMBIA FL
Township / Civil Division	PENSACOLA
Census Block Group	1
Census Block	1011
Census Tract	2701

Owner

643 Cedar Bluff Dr is owned and occupied by an individual who acquired it in January 2014.

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

Owner of Record	Individual Name on File
Mailing Address	643 CEDAR BLUFF DR, PENSACOLA, FL 32506-6216
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2014
Deed Sale	Jan 3, 2014
Deed Document Number	2014000337
Record Updated	Jun 8, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	643 CEDAR BLUFF DR, PENSACOLA, FL 32506-6216
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0076660758
Date	Feb 13, 2017
Book Page	7666/0758
Instrument	2017010705

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 26, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$116,180	$228,896 Land $30,000 Building $198,896
2024	$1,060.00 (+1.53%)
2023	$1,044.00 (+3.06%) Homeowner's exemption	$109,618 (+3%)	$213,956 (+15.23%) Land $25,000 Building $188,956
2022	$1,013.00 Homeowner's exemption	$106,426	$185,685 Land $17,000 Building $168,685

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

Flood

FEMA maps place 643 Cedar Bluff Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 228 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	228 in force
Nearby Flood Claims	144 (1987–2023)
Claims Outside the SFHA	45 of 144
Most Recent Claim	Jun 2023 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 45 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 26 claims Hurricane Frances, Sep 2004 · 28 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 643 Cedar Bluff Dr is high, ranking above 76% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 76% of the US · above 64% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 126 locations within half a mile, as of December 31, 2025

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