8423 Ramsgate Rd, Pensacola, FL 32514 Property Records

Escambia County property record for 8423 Ramsgate Rd, Pensacola, FL 32514

Property Summary

Property Type	Single Family Home
Details	2 ba · 956 sqft · built 1985
Lot Size	0.097 acres (4,230 sqft)
Owner	2 Individual Names on File
Last Sale	$148,500 (Jul 2020)
Tax Bill	$763 (2024)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Sep 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-1S-29-0980-001-008`

Property Details

APN / Parcel Number

Primary APN	`06-1S-29-0980-001-008`
Alternative APNs	`010250085` `10250085`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	956 sqft Living Area
Gross Area	1,294 sqft
1st Floor Area	956 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable
Roof Material	Other
Lot Area	4,230 sqft (0.097 acres)
Garage Type	Attached
Garage Area	338 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	172 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	10250085
Street Address	8423 RAMSGATE RD
City	PENSACOLA
State	FL
Zip	32514-8269
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HDR
Legal Description	BEG AT MOST NLY COR LT 8 S 39 DEG 9 MIN 29 SEC E ALG WLY R/W LI OF RAMSGATE RD (60 FT R/W) 2 FT FOR POB CONT S 39 DEG 9 MIN 29 SEC E ALG SD R/W LI 47 FT S 50 DEG 50 MIN 31 SEC W 90 FT TO SWLY LI OF LT 9 N 39 DEG 9 MIN 20 SEC W ALG SWLY LI OF SD LTS 4
Legal Range	29W
Legal Township	01S
Legal Section	06
Legal Subdivision	RAMSGATE
Legal Block	8
Legal Lot Number	8
Jurisdiction	ESCAMBIA FL
Township / Civil Division	PENSACOLA
Census Block Group	2
Census Block	2003
Census Tract	3506

Owner

8423 Ramsgate Rd is owned and occupied by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	8423 RAMSGATE RD, PENSACOLA, FL 32514-8269
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
Jul 1, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO
Sep 18, 2019	Warranty Deed, Transfer MCNEESE TITLE LLC
Mar 27, 2017	Warranty Deed, Transfer · Conventional with PMI NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2020 · Amount on File
Deed Sale	Jul 1, 2020 · Amount on File
Prior Sale	Sep 18, 2019 · Amount on File
Deed Document Number	202053495
Deed Book / Page	8324 / 436
Prior Transfer Date	May 3, 2011
Prior Transfer Doc	0067160794
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Jul 1, 2020
Property Address	8423 RAMSGATE RD, PENSACOLA, FL 32514-8269
Document Number	0083240436
Book / Page	8324 / 436
Map Reference	MB 12 PG 65
Instrument Date	Jun 23, 2020
Instrument	2020053495
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	SURETY LAND TITLE OF FL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,039.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8423 RAMSGATE RD, PENSACOLA, FL 32514-8269

Mortgage

Document Number	0008324438
Date	Jul 1, 2020
Instrument	8324/438

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Sep 18, 2019
Property Address	8423 RAMSGATE RD, PENSACOLA, FL 32514-8269
Document Number	0081661726
Book / Page	008166 / 001726
Instrument Date	Sep 13, 2019
Instrument	82249
Transaction Type	Transfer
Record Updated	Sep 30, 2019
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$924.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8423 RAMSGATE RD PENSACOLA FL 325148269, PENSACOLA, FL 32514-8269

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Mar 27, 2017
Property Address	8423 RAMSGATE RD, PENSACOLA, FL 32514-8269
Document Number	0076850769
Book / Page	007685 / 000769
Instrument Date	Mar 16, 2017
Instrument	21637
Transaction Type	Transfer
Record Updated	Apr 18, 2017
Title Company	SURETY LAND TITLE/FL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$690.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	28417 PUBLISHER LN LOXLEY AL 365513621, LOXLEY, AL 36551-3621

Mortgage

Document Number	76850770
Date	Mar 27, 2017
Book Page	007685/000770
Instrument	21638

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 26, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.87%

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		$124,649	$177,661 Land $30,000 Building $147,661
2024	$763.00 (+2.42%)
2023	$745.00 (+4.63%) Homeowner's exemption Senior Citizen's exemption	$117,609 (+3%)	$168,976 (+24.24%) Land $30,000 Building $138,976
2022	$712.00 Homeowner's exemption Senior Citizen's exemption	$114,184	$136,010 Land $12,000 Building $124,010

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

Flood

FEMA maps place 8423 Ramsgate Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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 23 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2020 · Hurricane Sally

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 8423 Ramsgate Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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 477 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications, T-Mobile.

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