13 Seashore Dr, Gulf Breeze, FL 32561 Property Records

Escambia County property record for 13 Seashore Dr, Gulf Breeze, FL 32561

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,728 sqft · built 2001
Lot Size	0.267 acres (11,609 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Sep 1999)
Tax Bill	$10,253 (2024)
Deeds & Mortgages	Sep 2022 Line of Credit May 2023 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`28-2S-26-1008-000-034`

Property Details

APN / Parcel Number

Primary APN	`28-2S-26-1008-000-034`
Alternative APN	`170010468`

Interior

Full Baths	5 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	3 Stories
Building Area	3,728 sqft Living Area
Gross Area	4,880 sqft
1st Floor Area	2,032 sqft
Upper Floors Area	1,696 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Hip
Roof Material	Metal
Lot Area	11,609 sqft (0.267 acres)
Lot Width	75 ft Width
View / Lot	Waterfront
Garage Type	Attached
Garage Area	1,152 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	1,592 sqft
Deck Area	120 sqft
Patio Area	120 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	170010468
Street Address	13 SEASHORE DR
City	GULF BREEZE
State	FL
Zip	32561-2428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HDR/C-PB
Legal Description	PARCEL B SEASHORE VILLAGE PB 15 P 27 OR 7812 P 1782 SHEET 15
Legal Range	26W
Legal Township	02S
Legal Section	28
Legal Subdivision	SEASHORE VILLAGE
Legal Block	34
Legal Lot Number	B
Jurisdiction	ESCAMBIA FL
Township / Civil Division	PENSACOLA
Census Block Group	1
Census Block	1007
Census Tract	2500

Owner

13 Seashore Dr is owned and occupied by two individuals who acquired it in September 2012.

Source: Escambia County records, as of December 31, 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	13 SEASHORE DR, GULF BREEZE, FL 32561-2428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2022	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
May 9, 2023	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
Nov 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANCORPSOUTH BANK
Nov 21, 2017	Grant Deed, Transfer · Line of Credit BANCORPSOUTH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 1999 · Amount on File
Deed Sale	Sep 27, 1999 · Amount on File
Deed Book / Page	4473 / 1874
Last Transfer Date	Sep 20, 2012
Transfer Doc	0069230804
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	13 SEASHORE DR, GULF BREEZE, FL 32561-2428
Transaction Type	Mortgage
Record Updated	Feb 13, 2024
Title Company	EMERALD COAST TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 SEASHORE DR, PENSACOLA BEACH, FL 32561-2428

Mortgage

Document Number	0088590590
Date	Sep 15, 2022
Book Page	8859/590
Instrument	2022093511

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	MOBILE, AL 36606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 26, 2032

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	13 SEASHORE DR, GULF BREEZE, FL 32561-2428
Transaction Type	Mortgage
Record Updated	Feb 13, 2024
Title Company	EMERALD COAST TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 SEASHORE DR, PENSACOLA BCH, FL 32561-2428

Mortgage

Document Number	0089740416
Date	May 9, 2023
Book Page	8974/416
Instrument	2023036631

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	MOBILE, AL 36606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	112 Months
Due	Sep 26, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESCAMBIA FL
Property Address	13 SEASHORE DR, PENSACOLA BEACH, FL 32561-2428
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EMERALD COAST TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 SEASHORE DR, PENSACOLA BEACH, FL 32561-2428

Mortgage

Document Number	0083951609
Date	Nov 2, 2020
Book Page	8395/1609
Instrument	2020092382

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Nov 1, 2030
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	10.2%

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESCAMBIA FL
Recording Date	Nov 21, 2017
Property Address	13 SEASHORE DR, PENSACOLA BEACH, FL 32561-2428
Document Number	0078121782
Book / Page	007812 / 001782
Instrument Date	Nov 17, 2017
Instrument	91409
Transaction Type	Transfer
Record Updated	Nov 28, 2017
Title Company	EMERALD COAST TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,793.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13 SEASHORE DR PENSACOLA BEACH FL 325612428, PENSACOLA BEACH, FL 32561-2428

Mortgage

Document Number	78121784
Date	Nov 21, 2017
Book Page	007812/001784
Instrument	91410

Lender

Name	BANCORPSOUTH
Type	Bank
Address	PO BOX 4360, TUPELO, MS 38803-4360

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Escambia County assessment roll, as of December 31, 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		$867,919	$1,245,274 Building $1,245,274
2024	$10,253.00 (+0.38%)
2023	$10,214.00 (+1.98%) Homeowner's exemption	$818,893 (+3%)	$1,198,843 (+11.79%) Building $1,198,843
2022	$10,016.00 Homeowner's exemption	$795,042	$1,072,441 Building $1,072,441

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

Flood

FEMA maps place 13 Seashore Dr in Zone AE, 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 440 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,751 units insured incl. 1,311 condo units
Nearby Flood Claims	2,733 (1979–2023)
Claims Outside the SFHA	9 of 2,733
Most Recent Claim	Jun 2023 · rainfall accumulation
Claims by Event	Hurricane Frances, Oct 2004 · 782 claims Hurricane Georges, Oct 1998 · 350 claims Hurricane Opal, Oct 1995 · 693 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 13 Seashore 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	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 131 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
AT&T DSL	100 / 20

May also be available: Verizon.

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