1760 Saroco Rd, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 1760 Saroco Rd, Gulf Breeze, FL 32563

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,910 sqft · built 2020
Lot Size	1.58 acres (68,955 sqft)
Owner	Individual Name on File
Last Sale	$820,000 (Jun 2026)
Tax Bill	$4,966 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-2S-28-0000-02009-0000`

Property Details

APN / Parcel Number

Primary APN	`24-2S-28-0000-02009-0000`
Alternative APN	`S282240000020090000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,910 sqft Living Area
Gross Area	3,575 sqft
1st Floor Area	2,910 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	68,955 sqft (1.58 acres)
Lot Dimensions	466 ft deep x 148 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	249 sqft
Shed	1 Shed
Shed Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1760 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	LOT 7 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*38'39W ON E LN 63.53 FT TO S R/W OF HICKORY SHORES BLVD THN CONTIN
Legal Range	28W
Legal Township	2S
Legal Section	24
Legal Subdivision	HICKORY SHORES
Legal Lot Number	7,27
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MIDWAY
Census Block Group	2
Census Block	2026
Census Tract	10823

Owner

1760 Saroco Rd is owned and occupied by an individual who bought it in June 2026.

Source: Santa Rosa County records, as of July 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1760 SAROCO RD, GULF BREEZE, FL 32563-9254
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
Jun 11, 2026	Warranty Deed, Transfer · Conventional Mortgage SERVISFIRST BANK
Nov 6, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage NATIONSTAR MORTGAGE LLC
May 18, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 8, 2018	Grant Deed, Transfer HB TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2026 · Amount on File
Deed Sale	Jun 11, 2026 · Amount on File
Prior Sale	Nov 6, 2020 · Amount on File
Deed Document Number	202629633
Deed Book / Page	4755 / 181
Prior Transfer Date	May 7, 2020
Prior Transfer Doc	0039511864
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 11, 2026
Property Address	1760 SAROCO RD, GULF BREEZE, FL 32563-9254
Document Number	0000029633
Book / Page	4755 / 181
Instrument Date	Jun 11, 2026
Instrument	202629633
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	EMERALD COAST TITLE INC, EMERALD COAST TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$579,740.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1760 SAROCO RD, GULF BREEZE, FL 32563-9254

Mortgage

Document Number	0000029634,
Date	Jun 11, 2026
Instrument	202629634

Lender

Name	SERVISFIRST BANK

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	7%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 6, 2020
Property Address	1760 SAROCO RD, GULF BREEZE, FL 32563-9254
Document Number	0040260650
Book / Page	4026 / 650
Instrument Date	Nov 5, 2020
Instrument	202059047
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 2, 2022
Title Company	CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,893.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1760 SAROCO RD, GULF BREEZE, FL 32563-9254

Mortgage

Document Number	0004026652
Date	Nov 6, 2020
Instrument	4026/652

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 18, 2020
Property Address	1760 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	1760 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

The 2025 property tax bill for 1760 Saroco Rd was $4,966 with a homeowner's exemption, up 2.8% 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	$4,966.00 (+2.84%) Homeowner's exemption	$421,443 (+2.9%)	$522,952 (+8.65%) Land $74,750 Building $448,202
2024	$4,829.00 (-3.79%) Homeowner's exemption	$409,566 (+3%)	$481,296 (-2.67%) Land $69,000 Building $412,296
2023	$5,019.00 (+2.47%) Homeowner's exemption	$397,637 (+3%)	$494,481 (+11.84%) Land $86,250 Building $408,231
2022	$4,898.00 Homeowner's exemption	$386,055	$442,118 Land $50,000 Building $392,118

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1760 Saroco Rd 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 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 1760 Saroco Rd is low, with a 0.06% 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 89% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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.

Nearby Properties on Saroco Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures