1744 Saroco Rd, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 1744 Saroco Rd, Gulf Breeze, FL 32563

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,275 sqft · built 2020
Lot Size	0.737 acres (32,147 sqft)
Owner	Individual Name on Record
Last Sale	$489,900 (May 2023)
Tax Bill	$4,954 (2024)
Deeds & Mortgages	May 2023 Sale & Mortgage Jun 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-2S-28-0000-02023-0000`

Property Details

APN / Parcel Number

Primary APN	`24-2S-28-0000-02023-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,275 sqft Heated Area
Gross Area	2,992 sqft
1st Floor Area	2,674 sqft
Flooring	Laminate Plank
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2020
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	32,147 sqft (0.737 acres)
Lot Dimensions	4,020 ft deep x 800 ft wide
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	318 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	242S280000020230000
Street Address	1744 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 UPDATE FOR 2023 LOT 3 DESCRIBED AS FOLLOWS: COM AT SE CORNER OF LOT 27 OF 1ST ADD TO HICKORY SHORES #3 (PB A PG
Legal Range	28W
Legal Township	02S
Legal Section	24
Legal Subdivision	WEST
Legal Lot Number	2-3,27
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MIDWAY
Census Block Group	2
Census Block	2026
Census Tract	10823

Owner

Source: Santa Rosa County records, as of October 27, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1744 SAROCO RD, GULF BREEZE, FL 32563-9254
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Warranty Deed, Transfer · FHA Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 5, 2020	Grant Deed, Subdivision Related Transfer · VA Mortgage VETERANS UNITED HM LNS
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 31, 2023 · Amount on Record
Deed Sale	May 31, 2023 · Amount on Record
Prior Sale	Jun 5, 2020 · Amount on Record
Deed Document Number	202323832
Deed Book / Page	4400 / 294
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 31, 2023
Property Address	1744 SAROCO RD, GULF BREEZE, FL 32563-9254
Document Number	0044000294
Book / Page	4400 / 294
Instrument Date	May 24, 2023
Instrument	202323832
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	EMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,429.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4000 BENTBROOK PL, NORMAN, OK 73072-4020

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1744 SAROCO RD, GULF BREEZE, FL 32563-9254

Mortgage

Document Number	0004400296
Date	May 31, 2023
Instrument	4400/296

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

June 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 5, 2020
Property Address	1744 SAROCO RD, GULF BREEZE, FL 32563-9254
Document Number	0039591748
Book / Page	003959 / 001748
Instrument Date	Jun 4, 2020
Instrument	27093
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 5, 2020
Title Company	HB TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,429.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1744 SAROCO RD GULF BREEZE FL 325639254, GULF BREEZE, FL 32563-9254

Mortgage

Document Number	39591751
Date	Jun 5, 2020
Book Page	003959/001751
Instrument	27094

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2050

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 18, 2020
Property Address	1744 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 30, 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	1744 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 Recorded
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 July 1, 2024

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
2024	$4,954.00 (+26.99%)	$390,280 (+22.72%) Land $67,800 Building $322,480	$390,280 (+0.86%) Land $67,800 Building $322,480
2023	$3,901.00 (+78.29%) Homeowner's exemption Veteran's exemption	$318,032 (+3%)	$386,939 (+4.52%) Land $67,800 Building $319,139
2022	$2,188.00 Homeowner's exemption Veteran's exemption	$308,769	$370,191 Land $56,500 Building $313,691

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

Flood

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 Record 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

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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