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1824 Kell Rd, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 1824 Kell Rd, Gulf Breeze, FL 32563

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,682 sqft · built 2023
Lot Size0.251 acres (10,934 sqft)
OwnerIndividual Name on Record
Last Sale$385,000 (Dec 2023)
Tax Bill$3,190 (2024)
Deeds & MortgagesApr 2026 Mortgage
Dec 2023 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN24-2S-28-1150-00700-0220

Property Details

APN / Parcel Number

Primary APN24-2S-28-1150-00700-0220
Alternative APN
  • S282241150007000220

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,682 sqft Living Area
Gross Area2,291 sqft
1st Floor Area1,682 sqft
FlooringWood

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Exterior MaterialConcrete
Construction TypeWood
Roof MaterialWood Shingle
Lot Area10,934 sqft (0.251 acres)
Lot Dimensions135 ft deep x 81 ft wide
Garage TypeAttached
Garage Area440 sqft
PorchFinished/Open Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address1824 KELL RD
CityGULF BREEZE
StateFL
Zip32563-8832
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1M
Legal DescriptionEVERGREEN SHORES 1ST ADD LOT 22 BLK 7 AS DES IN OR 4462 PG 1516
Legal Range28W
Legal Township2S
Legal Section24
Legal SubdivisionEVERGREEN SHORES/ADD
Legal Block7
Legal Lot Number22
JurisdictionSANTA ROSA FL
Township / Civil DivisionMIDWAY
Census Block Group2
Census Block2003
Census Tract10823

Owner

Source: Santa Rosa County records, as of May 6, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address1824 KELL RD, GULF BREEZE, FL 32563-8832
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 16, 2026Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORPORATION
Dec 29, 2023Warranty Deed, Subdivision Related Transfer · VA Mortgage
CMG MORTGAGE INC
Jul 1, 2022Warranty Deed, Transfer
EMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 29, 2023 · Amount on Record
Deed SaleDec 29, 2023 · Amount on Record
Prior SaleJul 1, 2022 · Amount on Record
Deed Document Number202357539
Deed Book / Page4462 / 1516
Prior Transfer DateJul 28, 2010
Prior Transfer Doc0029941719
Record UpdatedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Recording DateApr 16, 2026
Property Address1824 KELL RD, GULF BREEZE, FL 32563-8832
Document Number0000018839
Book / Page4732 / 1296
Instrument DateApr 10, 2026
Instrument202618839
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyCLOSING DEPARTMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address1824 KELL RD, GULF BREEZE, FL 32563-8832

Mortgage

Document Number0000018839,
DateApr 16, 2026
Book Page4732/1296
Instrument202618839
Lender
NameFREEDOM MORTGAGE CORPORATION
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term337 Months
DueMay 1, 2054
Interest
Rate TypeAdjustable Rate
Rate6.11%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

December 2023: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateDec 29, 2023
Property Address1824 KELL RD, GULF BREEZE, FL 32563-8832
Document Number0044621516
Book / Page4462 / 1516
Map ReferenceMB B PG 80-B
Instrument DateDec 29, 2023
Instrument202357539
Transaction TypeSubdivision Related Transfer
Record UpdatedApr 16, 2024
Title CompanyPURE TITLE LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,695.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address119 W GARDEN ST, PENSACOLA, FL 32502-5617

Transferred To (Grantee/Buyer)

NameVerified Name
Address1824 KELL RD, GULF BREEZE, FL 32563-8832

Mortgage

Document Number0044621519
DateDec 29, 2023
Book Page4462/1519
Instrument202357540
Lender
NameCMG MORTGAGE INC
TypeMortgage Company
AddressSAN RAMON, CA 94583
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2054

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJul 1, 2022
Property Address1824 KELL RD, GULF BREEZE, FL 32563-8832
Document Number0043020081
Book / Page4302 / 81
Map ReferenceMB B PG 21
Instrument DateJun 30, 2022
Instrument202239469
Transaction TypeTransfer
Record UpdatedApr 16, 2024
Title CompanyEMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B

Transaction

AmountAmount Recorded
Tax$368.20
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address11208 CRESCENT SPRING DR, RIVERVIEW, FL 33578-4573

Transferred To (Grantee/Buyer)

NameVerified Name
Address1569 NANTAHALA BEACH RD, GULF BREEZE, FL 32563-8963
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$291,114 (+2.9%) Land $50,000 Building $241,114$291,114 (+2.9%) Land $50,000 Building $241,114
2024$3,190.00 (+468.63%) Homeowner's exemption$282,912 (+607.28%) Land $50,000 Building $232,912$282,912 (+607.28%) Land $50,000 Building $232,912
2023$561.00 (+5%)$40,000 (-) Land $40,000$40,000 (-) Land $40,000
2022$374.00$40,000$40,000 Land $40,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 260 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies260 in force
Nearby Flood Claims20 (1995–2023)
Claims Outside the SFHA7 of 20
Most Recent ClaimJun 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 RiskLow
lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemMIDWAY WATER SYSTEM, INC.
serves 21,196 people · EPA ID FL1570470
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 146 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mediacom Xtream
Cable · Fiber in parts of the area		1,000 / 50
Verizon
Fixed Wireless		300 / 20

May also be available: AT&T, Ripple Broadband.

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