981 Urban Dr, Cantonment, FL 32533 Property Records

Escambia County property record for 981 Urban Dr, Cantonment, FL 32533

Property Summary

Property Type	Single Family Home
Details	2,867 sqft · built 2013
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Owner Names on File
Last Sale	$20,000 (Apr 2005)
Tax Bill	$2,473 (2024)
Deeds & Mortgages	Sep 2019 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-1N-31-4201-012-003`

Property Details

APN / Parcel Number

Primary APN	`38-1N-31-4201-012-003`
Alternative APN	`114575250`

Interior

Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,867 sqft Adjusted Area
1st Floor Area	2,133 sqft
Upper Floors Area	240 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Finished
Garage Area	607 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	645 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	114575250
Old Parcel Number	114575250
Street Address	981 URBAN DR
City	CANTONMENT
State	FL
Zip	32533-8362
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	BEG AT NE COR OF SEC N 89 DEG 24 MIN 46 SEC W ALG N LI OF SEC 1350 29/100 FT S 0 DEG 10 MIN 29 SEC E 3142 96/100 FT N 89 DEG
Legal Range	31W
Legal Township	01N
Legal Section	38
Legal Subdivision	SUBDIVISION NUMBER: 4201
Legal Block	3
Jurisdiction	ESCAMBIA FL
Township / Civil Division	CANTONMENT
Census Block Group	2
Census Block	2020
Census Tract	3611

Owner

The current owner of 981 Urban Dr bought it in April 2005.

Source: Escambia County records, as of December 17, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Owner Names on File
Mailing Address	981 URBAN DR, CANTONMENT, FL 32533-8362
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2005 · Amount on File
Deed Sale	Apr 14, 2005 · Amount on File
Prior Sale	Sep 11, 2002
Deed Document Number	2005359887
Deed Book / Page	5617 / 1140
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	981 URBAN DR, CANTONMENT, FL 32533-8362
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081681301
Date	Sep 20, 2019
Book Page	8168/1301
Instrument	2019083419

Lender

Name	GULF WINDS FCU
Type	Credit Union
Address	PENSACOLA, FL 32534

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	62 Months
Due	Nov 1, 2024

Tax Assessment & Valuation

Source: Escambia County assessment roll, as of July 1, 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		$228,664	$426,255 Land $40,000 Building $386,255
2024	$2,473.00 (+0.86%)
2023	$2,452.00 (+2.47%) Homeowner's exemption	$215,748 (+3%)	$382,287 (+11.64%) Land $12,300 Building $369,987
2022	$2,393.00 Homeowner's exemption	$209,465	$342,442 Land $12,300 Building $330,142

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

Flood

FEMA maps place 981 Urban Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 30 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	19 (1989–2020)
Claims Outside the SFHA	19 of 19
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 8 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 4 claims Hurricane Georges, Sep 1998 · 2 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

Wildfire risk around 981 Urban Dr is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.1% 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 95 locations within half a mile, as of December 31, 2025

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

May also be available: Hotwire Communications.

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