109 Bear Dr, Gulf Breeze, FL 32561 Property Records

Santa Rosa County property record for 109 Bear Dr, Gulf Breeze, FL 32561

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,850 sqft · built 1970
Lot Size	0.289 acres (12,589 sqft)
Owner	Individual Name on File
Tax Bill	$3,533 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-3S-29-0540-06200-0230`

Property Details

APN / Parcel Number

Primary APN	`06-3S-29-0540-06200-0230`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,850 sqft Heated Area
Gross Area	3,439 sqft
1st Floor Area	2,333 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2000
Exterior Material	Stone
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	12,589 sqft (0.289 acres)
Lot Dimensions	1,400 ft deep x 900 ft wide
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	440 sqft
Patio Area	666 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	063S290540062000230
Street Address	109 BEAR DR
City	GULF BREEZE
State	FL
Zip	32561-4213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAA
Legal Description	CASABLANCA 2ND ADD TO PARCEL # 4 SLY 60 FT OF LOT 23 & NLY 30 FT OF LOT 24 BLK 62 AS DES IN OR 3870 PG 1963
Legal Range	29W
Legal Township	03S
Legal Section	06
Legal Subdivision	CASABLANCA/ALL PHASE
Legal Block	62
Legal Lot Number	23-24
Jurisdiction	SANTA ROSA FL
Township / Civil Division	GULF BREEZE
Census Block Group	5
Census Block	5004
Census Tract	10900

Owner

109 Bear Dr is owned and occupied by an individual who acquired it in September 2019.

Source: Santa Rosa County records, as of October 27, 2025

Owner of Record	Individual Name on File
Mailing Address	109 BEAR DR, GULF BREEZE, FL 32561-4213
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
Apr 28, 2021	Deed of Trust, Mortgage · VA Mortgage TRIDENT HOME LOANS LLC
Sep 17, 2019	Warranty Deed, Transfer · VA Mortgage SUPREME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 17, 2019
Transfer Doc	0038701963
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	109 BEAR DR, GULF BREEZE, FL 32561-4213
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 BEAR DR, GULF BREEZE, FL 32561-4213

Mortgage

Document Number	0041100966
Date	Apr 28, 2021
Book Page	4110/966
Instrument	202128113

Lender

Name	TRIDENT HOME LOANS LLC
Type	Mortgage Company
Address	PENSACOLA, FL 32501

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 17, 2019
Property Address	109 BEAR DR, GULF BREEZE, FL 32561-4213
Document Number	0038701963
Book / Page	003870 / 001963
Instrument Date	Sep 13, 2019
Instrument	41548
Transaction Type	Transfer
Record Updated	Nov 1, 2019
Title Company	EMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TITLE INC - GULF

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,747.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 BEAR DR GULF BREEZE FL 325614213, GULF BREEZE, FL 32561-4213

Mortgage

Document Number	38701965
Date	Sep 17, 2019
Book Page	003870/001965
Instrument	41549

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2049

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Municipality	Gulf Breeze City
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$3,533.00 (+2.08%) Homeowner's exemption Disabled Person's exemption	$309,645 (+3%)	$428,690 (+4.6%) Land $230,000 Building $198,690
2023	$3,461.00 (+2.61%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$300,626 (+3%)	$409,821 (+4.48%) Land $225,000 Building $184,821
2022	$3,373.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$291,870	$392,266 Land $210,000 Building $182,266

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

Flood

FEMA maps place 109 Bear Dr in Zone X, an area of minimal flood risk, though there have been 138 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · 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 74 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	74 in force
Nearby Flood Claims	138 (1978–2023)
Claims Outside the SFHA	94 of 138
Most Recent Claim	Jun 2023 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 4 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 30 claims Hurricane Opal, Oct 1995 · 33 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 109 Bear Dr 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	GULF BREEZE REGIONAL WATER SYSTEM serves 17,596 people · EPA ID FL1570316
Water Source	Purchased groundwater from several systems
Last State Inspection	May 2024
Lead	2 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	1 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 327 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: Verizon.

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