Escambia County property record for 901 E Cross St, Pensacola, FL 32503
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,422 sqft · built 2024 |
| Lot Size | 0.121 acres (5,300 sqft) |
| Owner | Individual Name on File |
| Last Sale | $455,000 (Jul 2025) |
| Tax Bill | $750 (2024) |
| Deeds & Mortgages | Aug 2022 Line of Credit Jan 2022 Construction Loan + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 00-0S-00-9025-001-314 |
| Primary APN | 00-0S-00-9025-001-314 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,422 sqft Adjusted Area |
| 1st Floor Area | 1,196 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2024 |
|---|---|
| Exterior Material | Asbestos |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 5,300 sqft (0.121 acres) |
| Porch | Porch |
| Porch Area | 185 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 142689000 |
|---|---|
| Old Parcel Number | 142689000 |
| Street Address | 901 E CROSS ST |
| City | PENSACOLA |
| State | FL |
| Zip | 32503-3661 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LT 1 BLK 314 NEW CITY TRACT OR 9344 P 243 CA 62 |
| Legal Township | 01N |
| Legal Subdivision | NEW CITY TRACT |
| Legal Block | 314 |
| Legal Lot Number | 1 2 |
| Jurisdiction | ESCAMBIA FL |
| Township / Civil Division | PENSACOLA |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 802 |
901 E Cross St is owned by an individual who bought it in July 2025.
Source: Escambia County records, as of December 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 124 LONG POINTE DR, MARY ESTHER, FL 32569-1343 |
| 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.
| Date | Document |
|---|---|
| Aug 25, 2022 | Deed of Trust, Mortgage · Line of Credit WHITNEY BANK |
| Jan 27, 2022 | Deed of Trust, Mortgage · Construction Mortgage WHITNEY BANK |
| Dec 6, 2023 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Aug 22, 2023 | Warranty Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORP |
| Oct 19, 2021 | Warranty Deed, Construction Loan · Construction Mortgage WHITNEY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 7, 2025 · Amount on File |
| Deed Sale | Jul 7, 2025 · Amount on File |
| Prior Sale | Dec 6, 2023 · Amount on File |
| Deed Document Number | 2025050561 |
| Deed Book / Page | 9344 / 243 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESCAMBIA FL |
| Property Address | 901 E CROSS ST, PENSACOLA, FL 32503-3661 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1040 SPOON AVE, LANDISVILLE, PA 17538-1606 |
| Document Number | 0088471019 |
|---|---|
| Date | Aug 25, 2022 |
| Book Page | 8847/1019 |
| Instrument | 2022086670 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | PENSACOLA, FL 32502 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESCAMBIA FL |
| Property Address | 903 E CROSS ST, PENSACOLA, FL 32503-3661 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1040 SPOON AVE, LANDISVILLE, PA 17538-1606 |
| Document Number | 0087091596 |
|---|---|
| Date | Jan 27, 2022 |
| Book Page | 8709/1596 |
| Instrument | 2022008404 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | PENSACOLA, FL 32502 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ESCAMBIA FL |
| Recording Date | Dec 6, 2023 |
| Property Address | 901 E CROSS ST, PENSACOLA, FL 32503-3661 |
| Document Number | 0090761638 |
| Book / Page | 9076 / 1638 |
| Instrument Date | Dec 4, 2023 |
| Instrument | 2023096132 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $3,493.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40 PALAFOX PL, PENSACOLA, FL 32502-5697 |
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ESCAMBIA FL |
| Recording Date | Aug 22, 2023 |
| Property Address | 901 E CROSS ST, PENSACOLA, FL 32503-3661 |
| Document Number | 0090291212 |
| Book / Page | 9029 / 1212 |
| Instrument Date | Aug 14, 2023 |
| Instrument | 2023068637 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,710.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1040 SPOON AVE, LANDISVILLE, PA 17538-1606 |
| Name | Verified Name |
|---|---|
| Address | 4140 AQUA VISTA DR, PENSACOLA, FL 32504-7604 |
| Document Number | 0090291215 |
|---|---|
| Date | Aug 22, 2023 |
| Instrument | 9029/1215 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ESCAMBIA FL |
| Recording Date | Oct 19, 2021 |
| Property Address | 901 E CROSS ST, PENSACOLA, FL 32503-3661 |
| Document Number | 0086430184 |
| Book / Page | 8643 / 184 |
| Instrument Date | Oct 15, 2021 |
| Instrument | 2021114994 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 18, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,540.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2606 YATES AVE, PENSACOLA, FL 32503-4982 |
| Name | Verified Name |
|---|---|
| Address | 40 PALAFOX PL, PENSACOLA, FL 32502-5697 |
| Investor | Possibly a Property Investor |
| Document Number | 0008643188 |
|---|---|
| Date | Oct 19, 2021 |
| Instrument | 8643/188 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
Source: Escambia County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Escambia County |
| Municipality | Pensacola City |
| Unified School District | Escambia County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $374,377 | $381,183 Land $56,710 Building $324,473 | |
| 2024 | $750.00 (-93%) | ||
| 2023 | $10,713.00 (+395.51%) | $635,074 (+399.27%) | $635,074 (+399.27%) Land $127,200 Building $507,874 |
| 2022 | $2,162.00 | $127,200 | $127,200 Land $127,200 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 901 E Cross St in Zone X, an area of minimal flood risk, though there have been 2 flood claims 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 45 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 45 in force |
| Nearby Flood Claims | 2 (2020) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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 risk around 901 E Cross St is low, with 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 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 517 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| T-Mobile Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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