140 Highpoint Dr, Gulf Breeze, FL 32561 Property Records

Santa Rosa County property record for 140 Highpoint Dr, Gulf Breeze, FL 32561

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,409 sqft · built 1958
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Tax Bill	$735 (2025)
Deeds & Mortgages	Aug 2022 Reverse Mortgage Dec 2017 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-3S-29-0540-00100-0090`

Property Details

APN / Parcel Number

Primary APN	`06-3S-29-0540-00100-0090`
Alternative APN	`S293060540001000090`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,409 sqft Living Area
Gross Area	3,404 sqft
1st Floor Area	2,409 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1978
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	170 ft deep x 95 ft wide

Exterior Amenities

Porch	Slab
Porch Area	995 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	140 HIGHPOINT DR
City	GULF BREEZE
State	FL
Zip	32561-4016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAA
Legal Description	CASABLANCA PARCEL #1 LOT 9 BLK 1 AS DES IN OR 1257 PG 315
Legal Range	29W
Legal Township	3S
Legal Section	06
Legal Subdivision	CASABLANCA/ALL PHASE
Legal Block	1
Legal Lot Number	9
Jurisdiction	SANTA ROSA FL
Township / Civil Division	GULF BREEZE
Census Block Group	2
Census Block	2001
Census Tract	10900

Owner

140 Highpoint Dr is owned and occupied by two individuals.

Source: Santa Rosa County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	140 HIGHPOINT DR, GULF BREEZE, FL 32561-4016
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
Aug 5, 2022	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Dec 13, 2017	Deed of Trust, Mortgage · Reverse Mortgage SYNERGY ONE LENDING
Dec 8, 2017	Deed of Trust, Mortgage FEDERAL HOUSING COMMISSIONER

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	140 HIGHPOINT DR, GULF BREEZE, FL 32561-4016
Transaction Type	Mortgage
Record Updated	Sep 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 HIGHPOINT DR, GULF BREEZE, FL 32561-4016

Mortgage

Document Number	0043131157
Date	Aug 5, 2022
Book Page	4313/1157
Instrument	202246077

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	905 Months
Due	Jan 3, 2098

Interest

Rate Type	Adjustable Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	140 HIGHPOINT DR, GULF BREEZE, FL 32561-4016
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036860863
Date	Dec 13, 2017
Book Page	3686/0863
Instrument	201751312

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	961 Months
Due	Jan 3, 2098

Interest

Rate Type	Adjustable Rate
Rate	4.71%
Type Change Date	Jan 1, 2018
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	140 HIGHPOINT DR, GULF BREEZE, FL 32561-4016
Document Number	0036860879
Instrument Date	Dec 8, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	140 HIGHPOINT DR GULF BREEZE FL 325614016, GULF BREEZE, FL 32561-4016

Mortgage

Document Number	0036860879
Date	Dec 13, 2017
Book Page	003686/000879
Instrument	51313

Lender

Name	FEDERAL HOUSING COMMISSIONER
Address	WASHINGTON, DC 20410

Agreement

Amount	Amount on Record
Term	972 Months
Due	Dec 12, 2098

Interest

Rate Type	Adjustable Rate
Rate	4.71%

Tax Assessment & Valuation

The 2025 property tax bill for 140 Highpoint Dr was $735 with a homeowner's exemption, down 9.3% from the year before.

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	$735.00 (-9.26%) Homeowner's exemption	$103,548 (+2.9%)	$509,168 (+13.37%) Land $302,500 Building $206,668
2024	$810.00 (+3.71%) Homeowner's exemption	$100,630 (+3%)	$449,139 (+3.88%) Land $253,000 Building $196,139
2023	$781.00 (+3.99%) Homeowner's exemption	$97,699 (+3%)	$432,377 (+4.53%) Land $247,500 Building $184,877
2022	$751.00 Homeowner's exemption	$94,853	$413,621 Land $231,000 Building $182,621

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

Flood

FEMA maps place 140 Highpoint 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 November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 71 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	71 in force
Nearby Flood Claims	46 (1978–2021)
Claims Outside the SFHA	29 of 46
Most Recent Claim	Apr 2021 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 4 claims Hurricane Frances, Sep 2004 · 8 claims Hurricane Opal, Oct 1995 · 9 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 140 Highpoint Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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	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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