1865 Lighthouse Pointe Dr, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 1865 Lighthouse Pointe Dr, Gulf Breeze, FL 32563

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,144 sqft · built 2005
Lot Size	0.398 acres (17,337 sqft)
Owner	2 Individual Names on Record
Last Sale	$348,300 (Sep 2021)
Tax Bill	$3,950 (2024)
Deeds & Mortgages	Apr 2026 Sale Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-2S-27-2313-00A00-0970`

Property Details

APN / Parcel Number

Primary APN	`28-2S-27-2313-00A00-0970`
Alternative APN	`S27228231300A000970`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,144 sqft Living Area
Gross Area	2,940 sqft
1st Floor Area	2,144 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	17,337 sqft (0.398 acres)
Garage Type	Attached
Garage Area	494 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	302 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1865 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 97 BLK A AS DES IN OR 4182 PG 1820 SUBJ TO AN AT&T ESMNT AS DES IN OR 3020 PG 93
Legal Range	27W
Legal Township	2S
Legal Section	28
Legal Subdivision	LIGHTHOUSE PT/1,2,5
Legal Block	A
Legal Lot Number	97
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 22, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1865 LIGHTHOUSE POINTE DR, GULF BREEZE, FL 32563-9078
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Sep 24, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Dec 11, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2021 · Amount on Record
Deed Sale	Sep 24, 2021 · Amount on Record
Prior Sale	Dec 30, 2005 · Amount on Record
Deed Document Number	202163940
Deed Book / Page	4182 / 1820
Last Transfer Date	Apr 7, 2026
Transfer Doc	0000017174
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 7, 2026
Property Address	1865 LIGHTHOUSE POINTE DR, GULF BREEZE, FL 32563-9078
Document Number	0000017174
Book / Page	4729 / 422
Instrument Date	Apr 7, 2026
Instrument	202617174
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	1865 LIGHTHOUSE POINTE DR, GULF BREEZE, FL 32563-9078

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 24, 2021
Property Address	1865 LIGHTHOUSE POINTE DR, GULF BREEZE, FL 32563-9078
Document Number	0041821820
Book / Page	4182 / 1820
Map Reference	MB F PG 31
Instrument Date	Sep 17, 2021
Instrument	202163940
Transaction Type	Transfer
Record Updated	Oct 15, 2021
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	$2,438.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	150 GOODALE RD, 150, NEWTON, NJ 07860-2788

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1865 LIGHTHOUSE POINTE DR, GULF BREEZE, FL 32563-9078

Mortgage

Document Number	41821825
Date	Sep 24, 2021
Instrument	4182/1825

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 11, 2020
Property Address	1865 LIGHTHOUSE POINTE DR, GULF BREEZE, FL 32563-9078
Document Number	0040410931
Book / Page	004041 / 000931
Instrument Date	Dec 10, 2020
Instrument	66918
Transaction Type	Transfer
Record Updated	Jan 25, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	150 GOODALE RD NEWTON NJ 078602788, NEWTON, NJ 07860-2788

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		$350,803 (+2.9%)	$357,878 (+2.05%) Land $65,000 Building $292,878
2024	$3,950.00 (-3.26%) Homeowner's exemption	$340,916 (+3%)	$350,690 (-1.47%) Land $65,000 Building $285,690
2023	$4,083.00 (+3.97%) Homeowner's exemption	$330,986 (+4.26%)	$355,914 (+12.11%) Land $60,000 Building $295,914
2022	$3,927.00 Homeowner's exemption	$317,462	$317,462 Land $55,000 Building $262,462

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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