1536 Overdown Dr, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 1536 Overdown Dr, Gulf Breeze, FL 32563

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,252 sqft · built 2022
Lot Size	0.264 acres (11,500 sqft)
Owner	Individual Name on File
Last Sale	$431,900 (May 2022)
Tax Bill	$3,924 (2024)
Deeds & Mortgages	Apr 2026 Sale & Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-2S-28-0000-00107-0000`

Property Details

APN / Parcel Number

Primary APN	`27-2S-28-0000-00107-0000`
Alternative APN	`S282270000001070000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,252 sqft Living Area
Gross Area	3,109 sqft
1st Floor Area	2,252 sqft
Flooring	Wood

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	11,500 sqft (0.264 acres)
Lot Dimensions	160 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	578 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Patio Area	54 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1536 OVERDOWN DR
City	GULF BREEZE
State	FL
Zip	32563-9392
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PARCEL E BEING DESCRIBED AS: COM AT SE CORNER OF GOV LOT 1 OF SECTION 27 TOWNSHIP 2 SOUTH RANGE 28 WEST THN N8957'00W ON S LOT LN 984.75 FT TO E R/W OVERDOWN DR THN N0007'45E ON R/W 288 FT TO POB & CONT N0007'45E ON R/W 72 FT THN S8952'15E 160 FT
Legal Range	28W
Legal Township	2S
Legal Section	27
Legal Lot Number	1
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MIDWAY
Census Block Group	4
Census Block	4007
Census Tract	10814

Owner

1536 Overdown Dr is owned and occupied by an individual who bought it in May 2022.

Source: Santa Rosa County records, as of May 8, 2026

Owner of Record	Individual Name on File
Mailing Address	1536 OVERDOWN DR, GULF BREEZE, FL 32563-9392
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

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 17, 2026	Quit Claim Deed, Transfer · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
May 6, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
Jan 7, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2022 · Amount on File
Deed Sale	May 6, 2022 · Amount on File
Prior Sale	Aug 31, 2021 · Amount on File
Deed Document Number	202227684
Deed Book / Page	4280 / 1772
Prior Transfer Date	Dec 31, 2018
Prior Transfer Doc	0037950734
Record Updated	Oct 29, 2026

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 17, 2026
Property Address	1536 OVERDOWN DR, GULF BREEZE, FL 32563-9392
Document Number	0047331016
Book / Page	4733 / 1016
Instrument Date	Mar 26, 2026
Instrument	202619290
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1536 OVERDOWN DR, GULF BREEZE, FL 32563-9392

Mortgage

Document Number	0000019291,
Date	Apr 17, 2026
Instrument	202619291

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

May 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 6, 2022
Property Address	1536 OVERDOWN DR, GULF BREEZE, FL 32563-9392
Document Number	0042801772
Book / Page	4280 / 1772
Instrument Date	Apr 26, 2022
Instrument	202227684
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 6, 2022
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,023.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1536 OVERDOWN DR, GULF BREEZE, FL 32563-9392

Mortgage

Document Number	0042801775
Date	May 6, 2022
Instrument	4280/1775

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 7, 2019
Property Address	1536 OVERDOWN DR, GULF BREEZE, FL 32563-9392
Document Number	0037950734
Book / Page	003795 / 000734
Instrument Date	Dec 31, 2018
Instrument	533
Transaction Type	Transfer
Record Updated	Feb 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	182 COBB RD PANAMA CITY BEACH FL 324132011, PANAMA CITY BEACH, FL 32413-2011

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$346,762 (+2.9%)	$385,876 (+14.51%) Land $65,000 Building $320,876
2024	$3,924.00 (-4.04%) Homeowner's exemption	$336,989 (+1.68%) Land $25,000 Building $311,989	$336,989 (+1.68%) Land $25,000 Building $311,989
2023	$4,089.00 (+1,055.08%)	$331,418 (+1,225.67%) Land $25,000 Building $306,418	$331,418 (+1,225.67%) Land $25,000 Building $306,418
2022	$354.00	$25,000	$25,000 Land $25,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1536 Overdown Dr in Zone X, an area of minimal flood risk, though there have been 418 flood claims nearby since 1995.

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 343 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	343 in force
Nearby Flood Claims	418 (1995–2024)
Claims Outside the SFHA	108 of 418
Most Recent Claim	Dec 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 39 claims Hurricane Frances, Sep 2004 · 218 claims Hurricane Opal, Oct 1995 · 62 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 1536 Overdown Dr is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.08% 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	MIDWAY WATER SYSTEM, INC. serves 21,196 people · EPA ID FL1570470
Water Source	Groundwater
Last State Inspection	Jul 2025
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 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	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

May also be available: Cox Communications, Ripple Broadband.

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