Escambia County property record for 940 Rustic Ln, Pensacola, FL 32506
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,418 sqft · built 1991 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $139,900 (Sep 2019) |
| Tax Bill | $2,134 (2024) |
| Deeds & Mortgages | Aug 2020 Second Mortgage Sep 2019 Sale + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 24-2S-31-2401-006-001 |
| Primary APN | 24-2S-31-2401-006-001 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,418 sqft Living Area |
| Gross Area | 3,880 sqft |
| 1st Floor Area | 3,418 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | 1,626 sqft |
| Patio Area | 558 sqft |
| Gazebo | Gazebo |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 94562700 |
|---|---|
| Street Address | 940 RUSTIC LN |
| City | PENSACOLA |
| State | FL |
| Zip | 32506-9522 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Description | BEG AT SW COR OF SE 1/4 OF NW 1/4 SEC 24 TWP 2S R 31 WEST N 89 DEG 22 MIN 24 SEC E AND ALG THE S LI OF SE 1/4 216 FT TO E R/W LI OF A 66 FT COUNTY RD N 1 DEG 13 MIN 12 SEC W ALG R/W 230 66/100 FT FOR POB CONT ALG SAME COURSE 230 66/100 FT N 89 DEG 24 |
| Legal Range | 31W |
| Legal Township | 02S |
| Legal Section | 24 |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | ESCAMBIA FL |
| Township / Civil Division | PENSACOLA |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 2701 |
940 Rustic Ln is owned and occupied by two individuals who bought it in September 2019.
Source: Escambia County records, as of December 31, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 940 RUSTIC LN, PENSACOLA, FL 32506-9522 |
| 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.
| Date | Document |
|---|---|
| Aug 21, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GULF WINDS FCU |
| Sep 6, 2019 | Warranty Deed, Transfer CITIZENS TITLE COMPANY, CITIZENS TITLE GROUP INC |
| Sep 6, 2019 | Warranty Deed, Transfer CITIZENS TITLE COMPANY, CITIZENS TITLE GROUP INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2019 · Amount on File |
| Deed Sale | Sep 6, 2019 · Amount on File |
| Prior Sale | Dec 22, 2000 · Amount on File |
| Deed Document Number | 201977836 |
| Deed Book / Page | 8159 / 342 |
| Prior Transfer Date | Jan 6, 2015 |
| Prior Transfer Doc | 0072820376 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESCAMBIA FL |
| Property Address | 940 RUSTIC LN, PENSACOLA, FL 32506-9522 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0083541743 |
|---|---|
| Date | Aug 21, 2020 |
| Book Page | 8354/1743 |
| Instrument | 2020069366 |
| Name | GULF WINDS FCU |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32534 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 145 Months |
| Due | Sep 1, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ESCAMBIA FL |
| Recording Date | Sep 6, 2019 |
| Property Address | 940 RUSTIC LN, PENSACOLA, FL 32506-9522 |
| Document Number | 0081590346 |
| Book / Page | 008159 / 000346 |
| Instrument Date | Sep 6, 2019 |
| Instrument | 77838 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2019 |
| Title Company | CITIZENS TITLE COMPANY, CITIZENS TITLE GROUP INC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 940 RUSTIC LN PENSACOLA FL 325069522, PENSACOLA, FL 32506-9522 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ESCAMBIA FL |
| Recording Date | Sep 6, 2019 |
| Property Address | 940 RUSTIC LN, PENSACOLA, FL 32506-9522 |
| Document Number | 0081590342 |
| Book / Page | 008159 / 000342 |
| Instrument Date | Sep 3, 2019 |
| Instrument | 77836 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2019 |
| Title Company | CITIZENS TITLE COMPANY, CITIZENS TITLE GROUP INC |
| Amount | Amount on Record |
|---|---|
| Tax | $979.30 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 940 RUSTIC LN PENSACOLA FL 325069522, PENSACOLA, FL 32506-9522 |
Source: Escambia County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Escambia County |
| Unified School District | Escambia County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $210,529 | $448,051 Land $38,000 Building $410,051 | |
| 2024 | $2,134.00 (+6.17%) | ||
| 2023 | $2,010.00 (+28.11%) Homeowner's exemption | $182,411 (+23.31%) | $378,037 (+27.05%) Land $38,000 Building $340,037 |
| 2022 | $1,569.00 Homeowner's exemption | $147,927 | $297,551 Land $38,000 Building $259,551 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 940 Rustic Ln 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 |
|
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 940 Rustic Ln is moderate, ranking above 69% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 69% of the US · above 50% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL 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 |
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