1797 Lighthouse Pointe Dr, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 1797 Lighthouse Pointe Dr, Gulf Breeze, FL 32563

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,709 sqft · built 1998
Lot Size	0.248 acres (10,803 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Feb 2021)
Tax Bill	$3,059 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-2S-27-2313-00A00-0900`

Property Details

APN / Parcel Number

Primary APN	`28-2S-27-2313-00A00-0900`
Alternative APN	`S27228231300A000900`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,709 sqft Living Area
Gross Area	2,470 sqft
1st Floor Area	1,709 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	10,803 sqft (0.248 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	20 sqft
Deck Area	Deck Area
Patio Area	135 sqft
Gazebo	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1797 LIGHTHOUSE POINTE DR
City	GULF BREEZE
State	FL
Zip	32563-9077
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PBD
Legal Description	LIGHTHOUSE POINTE UNIT II LOT 90 BLK A AS DES IN OR 4075 PG 254
Legal Range	27W
Legal Township	2S
Legal Section	28
Legal Subdivision	LIGHTHOUSE PT/1,2,5
Legal Block	A
Legal Lot Number	90
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MIDWAY
Census Block Group	2
Census Block	2009
Census Tract	10824

Owner

1797 Lighthouse Pointe Dr is owned and occupied by two individuals who bought it in February 2021.

Source: Santa Rosa County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1797 LIGHTHOUSE POINTE DR, GULF BREEZE, FL 32563-9077
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
Sep 29, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Dec 9, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 22, 2021	Warranty Deed, Transfer · FHA Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2021 · Amount on File
Deed Sale	Feb 22, 2021 · Amount on File
Prior Sale	Jul 11, 2013 · Amount on File
Deed Document Number	202111256
Deed Book / Page	4075 / 254
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 29, 2026
Property Address	1797 LIGHTHOUSE POINTE DR, GULF BREEZE, FL 32563-9077
Document Number	0000048895
Book / Page	4793 / 332
Instrument Date	Sep 22, 2026
Instrument	202648895
Transaction Type	Mortgage
Record Updated	Oct 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1797 LIGHTHOUSE POINTE DR, GULF BREEZE, FL 32563-9077

Mortgage

Document Number	0000048895,
Date	Sep 29, 2026
Book Page	4793/332
Instrument	202648895

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	347 Months
Due	Aug 1, 2055

Interest

Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1797 LIGHTHOUSE POINTE DR, GULF BREEZE, FL 32563-9077
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1797 LIGHTHOUSE POINTE DR, GULF BREEZE, FL 32563-9077

Mortgage

Document Number	0046870014
Date	Dec 9, 2025
Book Page	4687/14
Instrument	202557293

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	354 Months
Due	Jun 1, 2055

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Feb 22, 2021
Property Address	1797 LIGHTHOUSE POINTE DR, GULF BREEZE, FL 32563-9077
Document Number	0040750254
Book / Page	4075 / 254
Map Reference	MB G PG 31
Instrument Date	Feb 12, 2021
Instrument	202111256
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1109 PURDUE AVE, 1109, CANNON AFB, NM 88101-5342

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1797 LIGHTHOUSE POINTE DR, GULF BREEZE, FL 32563-9077
Investor	Possibly a Property Investor

Mortgage

Document Number	0004075257
Date	Feb 22, 2021
Instrument	4075/257

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1797 Lighthouse Pointe Dr was $3,059 with a homeowner's exemption, up 5.3% 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	$3,059.00 (+5.3%) Homeowner's exemption	$262,772 (+2.9%)	$273,394 (+2.12%) Land $65,000 Building $208,394
2024	$2,905.00 (-0.38%) Homeowner's exemption	$255,366 (+3%)	$267,706 (-0.63%) Land $65,000 Building $202,706
2023	$2,916.00 (+2.68%) Homeowner's exemption	$247,928 (+3%)	$269,404 (+11.92%) Land $60,000 Building $209,404
2022	$2,840.00 Homeowner's exemption	$240,707	$240,707 Land $55,000 Building $185,707

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

Flood

FEMA maps place 1797 Lighthouse Pointe 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 1797 Lighthouse Pointe Dr is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% 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 174 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50

May also be available: Ripple Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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