7238 Sharp Reef Rd, Pensacola, FL 32507 Property Records

Escambia County property record for 7238 Sharp Reef Rd, Pensacola, FL 32507

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 2,820 sqft · built 2005
Lot Size	0.289 acres (12,602 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,400,000 (Aug 2026)
Tax Bill	$11,720 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2026 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`32-3S-32-1100-000-062`

Property Details

APN / Parcel Number

Primary APN	`32-3S-32-1100-000-062`
Alternative APN	`104598315`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	3 Stories
Building Area	2,820 sqft Living Area
Gross Area	3,522 sqft
1st Floor Area	1,620 sqft
Upper Floors Area	1,200 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Siding
Construction Type	Wood
Foundation Type	Pile
Roof Type	Hip
Roof Material	Metal
Lot Area	12,602 sqft (0.289 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	702 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	2,400 sqft
Deck Area	Deck Area
Patio Area	160 sqft
Utility Building	78 sqft
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	104598315
Street Address	7238 SHARP REEF RD
City	PENSACOLA
State	FL
Zip	32507-9422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR-PK
Legal Description	LT 62 PERDIDO KEY COVES UNIT NO 1 PB 7 P 26 OR 7934 P 1231
Legal Range	32W
Legal Township	03S
Legal Section	32
Legal Subdivision	PERDIDO KEY COVES UNIT #1
Legal Block	62
Legal Lot Number	62
Jurisdiction	ESCAMBIA FL
Township / Civil Division	PENSACOLA
Census Block Group	2
Census Block	2003
Census Tract	2602

Owner

Source: Escambia County records, as of September 24, 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	9 E LAKE RD, HATTIESBURG, MS 39402-7707
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANKFIRST FINANCIAL SERVICES
Aug 3, 2026	Warranty Deed, Transfer · Balloon Mortgage BANKFIRST FINANCIAL SERVICES
Jul 18, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2026 · Amount on Record
Deed Sale	Aug 3, 2026 · Amount on Record
Prior Sale	Jul 18, 2018 · Amount on Record
Deed Document Number	202659600
Deed Book / Page	9530 / 1567
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Recording Date	Sep 11, 2026
Property Address	7238 SHARP REEF RD, PENSACOLA, FL 32507-9422
Document Number	0000070998
Book / Page	9549 / 1824
Instrument Date	Sep 3, 2026
Instrument	202670998
Transaction Type	Mortgage
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7238 SHARP REEF RD, PENSACOLA, FL 32507-9422

Mortgage

Document Number	0000070998,
Date	Sep 11, 2026
Book Page	9549/1824
Instrument	202670998

Lender

Name	BANKFIRST FINANCIAL SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Aug 3, 2026
Property Address	7238 SHARP REEF RD, PENSACOLA, FL 32507-9422
Document Number	0000059600
Book / Page	9530 / 1567
Instrument Date	Jul 20, 2026
Instrument	202659600
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	COASTAL LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$989,800.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 E LAKE RD, HATTIESBURG, MS 39402-7707
Investor	Possibly a Property Investor

Mortgage

Document Number	0000059602,
Date	Aug 3, 2026
Instrument	202659602

Lender

Name	BANKFIRST FINANCIAL SERVICES

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2036

Interest

Rate Type	Balloon
Rate	6.47%
Initial Type	Balloon
Max Rate	-1%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Jul 18, 2018
Property Address	7238 SHARP REEF RD, PENSACOLA, FL 32507-9422
Document Number	0079341231
Book / Page	007934 / 001231
Instrument Date	Jul 13, 2018
Instrument	56212
Transaction Type	Transfer
Record Updated	Jul 31, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$5,600.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7238 SHARP REEF RD PENSACOLA FL 325079422, PENSACOLA, FL 32507-9422

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	$11,720.00 (+7.3%) Homeowner's exemption	$882,982 (+7.22%)	$1,003,974 (+16.3%) Land $350,000 Building $653,974
2024	$10,923.00 (+1.71%)
2023	$10,739.00 (+4.28%) Homeowner's exemption	$823,523 (+3%)	$863,256 (+7.97%) Land $255,000 Building $608,256
2022	$10,298.00 Homeowner's exemption	$799,537	$799,537 Land $255,000 Building $544,537

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
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 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.02% 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 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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