1845 Lighthouse Pointe Dr, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 1845 Lighthouse Pointe Dr, Gulf Breeze, FL 32563

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,890 sqft · built 1997
Lot Size	0.349 acres (15,202 sqft)
Owner	2 Individual Names on Record
Last Sale	$389,900 (Jul 2024)
Tax Bill	$3,479 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-2S-27-2313-00A00-0950`

Property Details

APN / Parcel Number

Primary APN	`28-2S-27-2313-00A00-0950`
Alternative APN	`S27228231300A000950`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,890 sqft Living Area
Gross Area	2,981 sqft
1st Floor Area	1,890 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	15,202 sqft (0.349 acres)
Lot Dimensions	187 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	463 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	64 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1845 LIGHTHOUSE POINTE DR
City	GULF BREEZE
State	FL
Zip	32563-9078
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PBD
Legal Description	LIGHTHOUSE POINTE UNIT II LOT 95 BLK A (PB G PG 31) AS DES IN OR 4522 PG 1802
Legal Range	27W
Legal Township	2S
Legal Section	28
Legal Subdivision	LIGHTHOUSE PT/1,2,5
Legal Block	A
Legal Lot Number	95
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MIDWAY
Census Block Group	2
Census Block	2009
Census Tract	10824

Owner

Source: Santa Rosa County records, as of April 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1845 LIGHTHOUSE POINTE DR, GULF BREEZE, FL 32563-9078
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2022	Warranty Deed, Transfer · VA Mortgage UNIVERSITY LENDING GROUP LLC
Dec 27, 2021	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY LENDING GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2024 · Amount on Record
Deed Sale	Jul 17, 2024 · Amount on Record
Prior Sale	Jul 1, 2022 · Amount on Record
Deed Document Number	202432054
Deed Book / Page	4522 / 1802
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 1, 2022
Property Address	1845 LIGHTHOUSE POINTE DR, GULF BREEZE, FL 32563-9078
Document Number	0043011525
Book / Page	4301 / 1525
Map Reference	MB G PG 31
Instrument Date	Jul 1, 2022
Instrument	202239313
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	571 LEBEAU ST, 571, ARABI, LA 70032-1527

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1845 LIGHTHOUSE POINTE DR, GULF BREEZE, FL 32563-9078

Mortgage

Document Number	0043011527
Date	Jul 1, 2022
Instrument	4301/1527

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 27, 2021
Property Address	1845 LIGHTHOUSE POINTE DR, GULF BREEZE, FL 32563-9078
Document Number	0042250687
Book / Page	4225 / 687
Map Reference	MB G PG 31
Instrument Date	Dec 22, 2021
Instrument	202184981
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	48 BARSTOW AVE, 48, NORWELL, MA 02061-2832

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	571 LEBEAU ST, ARABI, LA 70032-1527

Mortgage

Document Number	0004225690
Date	Dec 27, 2021
Instrument	4225/690

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

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	$3,479.00 (+4.29%)	$292,721 (+2.21%) Land $65,000 Building $227,721	$292,721 (+2.21%) Land $65,000 Building $227,721
2024	$3,336.00 (-2.51%) Homeowner's exemption	$286,384 (+0.87%) Land $65,000 Building $221,384	$286,384 (+0.87%) Land $65,000 Building $221,384
2023	$3,422.00 (-5%)	$283,927 (+11.61%) Land $60,000 Building $223,927	$283,927 (+11.61%) Land $60,000 Building $223,927
2022	$3,602.00	$254,381	$254,381 Land $55,000 Building $199,381

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 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

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

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50

May also be available: Verizon.

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