114 Bear Dr, Gulf Breeze, FL 32561 Property Records

Santa Rosa County property record for 114 Bear Dr, Gulf Breeze, FL 32561

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,160 sqft · built 1970
Lot Size	0.321 acres (13,983 sqft)
Owner	2 Individual Names on File
Last Sale	$531,000 (Jul 2023)
Tax Bill	$5,340 (2024)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-3S-29-0540-06400-0200`

Property Details

APN / Parcel Number

Primary APN	`06-3S-29-0540-06400-0200`
Alternative APN	`S293060540064000200`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,160 sqft Living Area
Gross Area	3,241 sqft
1st Floor Area	2,160 sqft
Flooring	Tile
Interior Walls	Paneling

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1985
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	13,983 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	273 sqft
Parking Spaces	1 Parking Space
Porch	Screened Porch
Porch Area	444 sqft
Patio Area	364 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	114 BEAR DR
City	GULF BREEZE
State	FL
Zip	32561-4214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAA
Legal Description	CASABLANCA 2ND ADD TO PARCEL # 4 S 70 FT OF LOT 20 & N 30 FT OF LOT 19 BLK 64 AS DES IN OR 4417 PG 1631
Legal Range	29W
Legal Township	3S
Legal Section	06
Legal Subdivision	CASABLANCA/ALL PHASE
Legal Block	64
Legal Lot Number	20
Jurisdiction	SANTA ROSA FL
Township / Civil Division	GULF BREEZE
Census Block Group	5
Census Block	5003
Census Tract	10900

Owner

114 Bear Dr is owned and occupied by two individuals who bought it in July 2023.

Source: Santa Rosa County records, as of December 8, 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 Individual Names on File
Mailing Address	114 BEAR DR, GULF BREEZE, FL 32561-4214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2023	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Jan 28, 2021	Warranty Deed, Transfer · Conventional Mortgage TRIDENT HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2023 · Amount on File
Deed Sale	Jul 24, 2023 · Amount on File
Prior Sale	Jan 28, 2021 · Amount on File
Deed Document Number	202333058
Deed Book / Page	4417 / 1631
Prior Transfer Date	Dec 3, 2011
Prior Transfer Doc	0032171829
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 24, 2023
Property Address	114 BEAR DR, GULF BREEZE, FL 32561-4214
Document Number	0044171631
Book / Page	4417 / 1631
Map Reference	MB A PG 108
Instrument Date	Jul 21, 2023
Instrument	202333058
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	EMERALD COAST TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,717.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9565 FERN HOLLOW WAY, MONTGOMERY VILLAGE, MD 20886-1436

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 HAMPTON ST, GULF BREEZE, FL 32561-4124
Investor	Possibly a Property Investor

Mortgage

Document Number	0044171635
Date	Jul 24, 2023
Instrument	4417/1635

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 28, 2021
Property Address	114 BEAR DR, GULF BREEZE, FL 32561-4214
Document Number	0040630430
Book / Page	4063 / 430
Map Reference	MB A PG 108
Instrument Date	Jan 22, 2021
Instrument	202105746
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2925 GLENN ST, 2925, GULF BREEZE, FL 32563-3142

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 BEAR DR, GULF BREEZE, FL 32561-4214
Investor	Possibly a Property Investor

Mortgage

Document Number	0004063433
Date	Jan 28, 2021
Instrument	4063/433

Lender

Name	TRIDENT HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

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
2025		$452,805 (+2.9%)	$488,765 (+11.07%) Land $275,000 Building $213,765
2024	$5,340.00 (-6.74%) Homeowner's exemption	$440,044 (+4.03%) Land $230,000 Building $210,044	$440,044 (+4.03%) Land $230,000 Building $210,044
2023	$5,726.00 (+8.1%)	$423,007 (+9.03%) Land $225,000 Building $198,007	$423,007 (+9.03%) Land $225,000 Building $198,007
2022	$5,297.00	$387,973	$387,973 Land $210,000 Building $177,973

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

Flood

FEMA maps place 114 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

The area around 114 Bear Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 442 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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