1740 Saroco Rd, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 1740 Saroco Rd, Gulf Breeze, FL 32563

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,458 sqft · built 2021
Lot Size	0.738 acres (32,147 sqft)
Owner	2 Individual Names on File
Last Sale	$352,000 (May 2021)
Tax Bill	$4,206 (2024)
Deeds & Mortgages	Apr 2022 Line of Credit May 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-2S-28-0000-02022-0000`

Property Details

APN / Parcel Number

Primary APN	`24-2S-28-0000-02022-0000`
Alternative APN	`S282240000020220000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,458 sqft Living Area
Gross Area	3,086 sqft
1st Floor Area	2,458 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	32,147 sqft (0.738 acres)
Lot Dimensions	402 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1740 SAROCO RD
City	GULF BREEZE
State	FL
Zip	32563-9254
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	DESCRIPTION FOR 2019 TAXES LOT 2 DESCRIBED AS FOLLOWS: COM AT SE CORNER OF LOT 27 OF 1ST ADD TO HICKORY SHORES #3 (PB A PG 64) BEING E LINE OF GOVERNMENT LOT 2 OF SECTION 24 TOWNSHP 2 SOUTH RANGE 28 WEST THN S0*3839W ON E LN 63.53 FT TO S R/W OF HI
Legal Range	28W
Legal Township	2S
Legal Section	24
Legal Subdivision	HICKORY SHORES
Legal Lot Number	2,27
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MIDWAY
Census Block Group	2
Census Block	2026
Census Tract	10823

Owner

1740 Saroco Rd is owned and occupied by two individuals who bought it in May 2021.

Source: Santa Rosa County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1740 SAROCO RD, GULF BREEZE, FL 32563-9254
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
Apr 13, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 14, 2021	Warranty Deed, Subdivision Related Transfer HB TITLE INC
May 18, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 8, 2018	Grant Deed, Transfer HB TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2021 · Amount on File
Deed Sale	May 14, 2021 · Amount on File
Prior Sale	May 1, 2017 · Amount on File
Deed Document Number	202132257
Deed Book / Page	4118 / 600
Prior Transfer Date	May 7, 2020
Prior Transfer Doc	0039511864
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1740 SAROCO RD, GULF BREEZE, FL 32563-9254
Transaction Type	Mortgage
Record Updated	Mar 14, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1740 SAROCO RD, GULF BREEZE, FL 32563-9254

Mortgage

Document Number	0042710189
Date	Apr 13, 2022
Book Page	4271/189
Instrument	202222355

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 5, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 14, 2021
Property Address	1740 SAROCO RD, GULF BREEZE, FL 32563-9254
Document Number	0041180600
Book / Page	4118 / 600
Instrument Date	May 12, 2021
Instrument	202132257
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 14, 2023
Title Company	HB TITLE INC

Transaction

Amount	Amount on Record
Tax	$2,464.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2293 W EAU GALLIE BLVD, MELBOURNE, FL 32935-3184

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1740 SAROCO RD, GULF BREEZE, FL 32563-9254

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 18, 2020
Property Address	1740 SAROCO RD, GULF BREEZE, FL 32563-9254
Document Number	0039511864
Book / Page	003951 / 001864
Instrument Date	May 7, 2020
Instrument	23401
Transaction Type	Transfer
Record Updated	Jun 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 8, 2018
Property Address	1740 SAROCO RD, GULF BREEZE, FL 32563-9254
Document Number	0037360656
Book / Page	003736 / 000656
Instrument Date	Jun 7, 2018
Instrument	24031
Transaction Type	Transfer
Record Updated	Aug 3, 2018
Title Company	HB TITLE INC

Transaction

Amount	Amount on Record
Tax	$2,450.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

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		$371,897 (+2.9%)	$426,590 (+3.7%) Land $73,450 Building $353,140
2024	$4,206.00 (-3.58%) Homeowner's exemption	$361,416 (+3%)	$411,371 (+0.67%) Land $67,800 Building $343,571
2023	$4,362.00 (+2.51%) Homeowner's exemption	$350,889 (+3%)	$408,645 (+5.23%) Land $67,800 Building $340,845
2022	$4,255.00 Homeowner's exemption	$340,669	$388,321 Land $56,500 Building $331,821

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

Flood

FEMA maps place 1740 Saroco Rd in Zone X, an area of minimal flood risk, though there have been 20 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 260 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	260 in force
Nearby Flood Claims	20 (1995–2023)
Claims Outside the SFHA	7 of 20
Most Recent Claim	Jun 2023 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 5 claims Hurricane Frances, Sep 2004 · 7 claims Hurricane Opal, Oct 1995 · 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 1740 Saroco Rd 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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% 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 108 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Ripple Broadband.

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