Santa Rosa County property record for 1118 Harbor Ln, Gulf Breeze, FL 32563
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,783 sqft · built 1979 |
| Lot Size | 0.238 acres (10,367 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $323,000 (Jul 2012) |
| Tax Bill | $3,700 (2024) |
| Deeds & Mortgages | Nov 2021 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 32-2S-28-4730-00000-1040 |
| Primary APN | 32-2S-28-4730-00000-1040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,783 sqft Living Area |
| Gross Area | 3,619 sqft |
| 1st Floor Area | 1,433 sqft |
| Upper Floors Area | 1,350 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Material | Metal |
| Lot Area | 10,367 sqft (0.238 acres) |
| Lot Dimensions | 130 ft deep x 80 ft wide |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 448 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 138 sqft |
| Deck Area | 16 sqft |
| Patio Area | 132 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1118 HARBOR LN |
|---|---|
| City | GULF BREEZE |
| State | FL |
| Zip | 32563-3318 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SANTA ROSA SHORES RESUB LT 104 AS DES IN OR 3155 PG 206 |
| Legal Range | 28W |
| Legal Township | 2S |
| Legal Section | 32 |
| Legal Subdivision | SR SHORES/RESUB |
| Legal Lot Number | 104 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | MIDWAY |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 10813 |
Source: Santa Rosa County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1118 HARBOR LN, GULF BREEZE, FL 32563-3318 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2012 · Amount on Record |
| Deed Sale | Jul 20, 2012 · Amount on Record |
| Deed Document Number | 201230342 |
| Deed Book / Page | 3155 / 206 |
| Prior Transfer Date | Jan 12, 2009 |
| Prior Transfer Doc | 0028750463 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 1118 HARBOR LN, GULF BREEZE, FL 32563-3318 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1118 HARBOR LN, GULF BREEZE, FL 32563-3318 |
| Document Number | 0042091931 |
|---|---|
| Date | Nov 19, 2021 |
| Book Page | 4209/1931 |
| Instrument | 202177453 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2041 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $288,183 (+2.9%) | $579,136 (+10.37%) Land $248,000 Building $331,136 | |
| 2024 | $3,700.00 (+1.73%) Homeowner's exemption | $280,061 (+3%) | $524,725 (+2.76%) Land $224,000 Building $300,725 |
| 2023 | $3,637.00 (+2.34%) Homeowner's exemption | $271,904 (+3%) | $510,655 (+11.5%) Land $200,000 Building $310,655 |
| 2022 | $3,554.00 Homeowner's exemption | $263,984 | $457,977 Land $168,000 Building $289,977 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 187 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 187 in force |
| Nearby Flood Claims | 272 (1979–2022) |
| Claims Outside the SFHA | 72 of 272 |
| Most Recent Claim | Sep 2022 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 299 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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