7188 Sharp Reef Rd, Pensacola, FL 32507 Property Records

Escambia County property record for 7188 Sharp Reef Rd, Pensacola, FL 32507

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 2,400 sqft · built 2003
Lot Size	0.232 acres (10,110 sqft)
Owner	Company Name on Record
Last Sale	$969,500 (Aug 2019)
Tax Bill	$8,120 (2024)
Deeds & Mortgages	Nov 2022 Transfer Aug 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`32-3S-32-1301-001-011`

Property Details

APN / Parcel Number

Primary APN	`32-3S-32-1301-001-011`
Alternative APN	`104598448`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	2,400 sqft Living Area
1st Floor Area	1,248 sqft
Upper Floors Area	1,152 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Construction Type	Wood
Roof Type	Hip
Roof Material	Metal
Lot Area	10,110 sqft (0.232 acres)
View / Lot	Waterfront
Garage Type	Carport
Garage Area	405 sqft
Carport	Carport
Carport Area	405 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	1,469 sqft
Deck Area	536 sqft
Patio Area	536 sqft
Utility Building	160 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	104598448
Street Address	7188 SHARP REEF RD
City	PENSACOLA
State	FL
Zip	32507-9421
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR-PK
Legal Description	BEG AT SE COR LT 11 PERDIDO KEY COVES UNIT NO 2 PB 10 P 46 A RE S/D OF PART OF PARCEL A PERDIDO KEY COVES UNIT NO 1 PB 7 P 26 N 64 DEG 44 MIN 29 SEC W ALG NLY R/W LI OF SHARP REEF (60 FT R/W 25 FT N 27 DEG 49 MIN 22 SEC E 284 35/100 FT TO APPROX MEAN
Legal Range	32W
Legal Township	03S
Legal Section	32
Legal Subdivision	PERDIDO KEY COVES UNIT #2 PART OF PARCEL
Legal Block	11
Legal Lot Number	11
Jurisdiction	ESCAMBIA FL
Township / Civil Division	PENSACOLA
Census Block Group	2
Census Block	2003
Census Tract	2602

Owner

Source: Escambia County records, as of December 31, 2025

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

Owner of Record	Company Name on Record
Mailing Address	7188 SHARP REEF RD, PENSACOLA, FL 32507-9421
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Aug 26, 2019	Warranty Deed, Transfer · ARM INLANTA MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2019 · Amount on Record
Deed Sale	Aug 26, 2019 · Amount on Record
Prior Sale	Jun 13, 2011 · Amount on Record
Deed Document Number	201974265
Deed Book / Page	8152 / 928
Last Transfer Date	Nov 7, 2022
Transfer Doc	0088901566
Record Updated	Jun 8, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ESCAMBIA FL
Recording Date	Nov 16, 2022
Property Address	7188 SHARP REEF RD, PENSACOLA, FL 32507-9421
Document Number	0088901566
Book / Page	8890 / 1566
Instrument Date	Nov 7, 2022
Instrument	2022111607
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7662 S BRENTWOOD CT, LITTLETON, CO 80128-8272

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Aug 26, 2019
Property Address	7188 SHARP REEF RD, PENSACOLA, FL 32507-9421
Document Number	0081520928
Book / Page	8152 / 0928
Instrument Date	Aug 21, 2019
Instrument	2019074265
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,786.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7662 S BRENTWOOD CT, LITTLETON, CO 80128-8272

Mortgage

Document Number	0008152932
Date	Aug 26, 2019
Instrument	8152/932

Lender

Name	INLANTA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

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		$687,547 (+28.73%) Land $275,000 Building $412,547	$687,547 (+6.15%) Land $275,000 Building $412,547
2024	$8,120.00 (+4.18%)
2023	$7,794.00 (+7.28%)	$534,086 (-11.88%)	$647,730 (+6.87%) Land $255,000 Building $392,730
2022	$7,265.00	$606,100	$606,100 Land $255,000 Building $351,100

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 427 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,576 units insured incl. 1,149 condo units
Nearby Flood Claims	1,082 (1979–2021)
Claims Outside the SFHA	28 of 1,082
Most Recent Claim	May 2021 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 162 claims Hurricane Frances, Sep 2004 · 515 claims Hurricane Georges, Oct 1998 · 177 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 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.05% 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 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
Cox Communications Cable	2,000 / 35

May also be available: Verizon.

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