1635 Beachcomber Dr, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 1635 Beachcomber Dr, Gulf Breeze, FL 32563

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,507 sqft · built 2013
Lot Size	0.268 acres (11,674 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Aug 2017)
Tax Bill	$3,491 (2025)
Deeds & Mortgages	Aug 2026 Mortgage May 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-2S-27-5279-00K00-0060`

Property Details

APN / Parcel Number

Primary APN	`20-2S-27-5279-00K00-0060`
Alternative APN	`S27220527900K000060`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,507 sqft Living Area
Gross Area	3,291 sqft
1st Floor Area	1,180 sqft
Upper Floors Area	1,327 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	11,674 sqft (0.268 acres)
Lot Dimensions	120 ft deep x 49 ft wide
Garage Type	Attached
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	316 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1635 BEACHCOMBER DR
City	GULF BREEZE
State	FL
Zip	32563-7078
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SUMMERSET ESTATES - 1ST ADD LOT K6 A/K/A LOT 6 BLK K AS DES IN OR 3648 PG 1966
Legal Range	27W
Legal Township	2S
Legal Section	20
Legal Subdivision	SUMMERSET ESTATES
Legal Block	K
Legal Lot Number	6
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MIDWAY
Census Block Group	2
Census Block	2009
Census Tract	10824

Owner

1635 Beachcomber Dr is owned and occupied by two individuals who bought it in August 2017.

Source: Santa Rosa County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1635 BEACHCOMBER DR, GULF BREEZE, FL 32563-7078
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 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
May 26, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Aug 3, 2017	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2017 · Amount on File
Deed Sale	Aug 3, 2017 · Amount on File
Prior Sale	Jun 9, 2015 · Amount on File
Deed Document Number	201731799
Deed Book / Page	3648 / 1966
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 4, 2026
Property Address	1635 BEACHCOMBER DR, GULF BREEZE, FL 32563-7078
Document Number	0000039085
Book / Page	4774 / 1014
Instrument Date	Jul 21, 2026
Instrument	202639085
Transaction Type	Mortgage
Record Updated	Sep 11, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1635 BEACHCOMBER DR, GULF BREEZE, FL 32563-7078

Mortgage

Document Number	0000039085,
Date	Aug 4, 2026
Book Page	4774/1014
Instrument	202639085

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2046

Interest

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

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1635 BEACHCOMBER DR, GULF BREEZE, FL 32563-7078
Transaction Type	Mortgage
Record Updated	Jul 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1635 BEACHCOMBER DR, GULF BREEZE, FL 32563-7078

Mortgage

Document Number	0042881102
Date	May 26, 2022
Book Page	4288/1102
Instrument	202231941

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2042

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 3, 2017
Property Address	1635 BEACHCOMBER DR, GULF BREEZE, FL 32563-7078
Document Number	0036481966
Book / Page	3648 / 1966
Map Reference	MB11 PG68&69
Instrument Date	Aug 1, 2017
Instrument	201731799
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	SURETY LAND TITLE OF FLORIDA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 787, MURPHY, NC 28906-0787

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1635 BEACHCOMBER DR, GULF BREEZE, FL 32563-7078

Mortgage

Document Number	0201731800
Date	Aug 3, 2017
Instrument	201731800

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1635 Beachcomber Dr was $3,491 with a homeowner's exemption, up 3.3% 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
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,491.00 (+3.25%) Homeowner's exemption	$286,108 (+2.9%)	$380,641 (+2.12%) Land $70,000 Building $310,641
2024	$3,381.00 (+2.24%) Homeowner's exemption	$278,045 (+3%)	$372,723 (+2.07%) Land $70,000 Building $302,723
2023	$3,307.00 (+2.57%) Homeowner's exemption	$269,947 (+3%)	$365,180 (+0.01%) Land $65,000 Building $300,180
2022	$3,224.00 Homeowner's exemption	$262,084	$365,151 Land $55,000 Building $310,151

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

Flood

FEMA maps place 1635 Beachcomber Dr in Zone X, an area of minimal flood risk, though there have been 23 flood claims nearby since 2004.

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 257 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	257 in force
Nearby Flood Claims	23 (2004–2024)
Claims Outside the SFHA	9 of 23
Most Recent Claim	Jun 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 16 claims Hurricane Frances, Sep 2004 · 4 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 1635 Beachcomber Dr is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.05% 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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50

May also be available: Verizon.

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