Santa Rosa County property record for 2403 Reservation Rd, Gulf Breeze, FL 32563
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,408 sqft · built 1986 |
| Lot Size | 0.437 acres (19,079 sqft) |
| Owner | Individual Name on File |
| Last Sale | $490,000 (Apr 2022) |
| Tax Bill | $3,978 (2024) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Aug 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-2S-29-4711-00D00-0050 |
| Primary APN | 35-2S-29-4711-00D00-0050 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,408 sqft Heated Area |
| Gross Area | 3,504 sqft |
| 1st Floor Area | 2,960 sqft |
| Flooring | Carpet |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 19,079 sqft (0.437 acres) |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 448 sqft |
| Deck Area | 96 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 352S29471100D000050 |
|---|---|
| Street Address | 2403 RESERVATION RD |
| City | GULF BREEZE |
| State | FL |
| Zip | 32563-2541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SANTA ROSA PARK 2ND ADD LOT 5 BLK D & AS DES IN OR 4276 PG 86 |
| Legal Range | 29W |
| Legal Township | 02S |
| Legal Section | 35 |
| Legal Subdivision | SANTA ROSA PARK 2ND |
| Legal Block | D |
| Legal Lot Number | 5 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | MIDWAY |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 10812 |
2403 Reservation Rd is owned and occupied by an individual who bought it in April 2022.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2403 RESERVATION RD, GULF BREEZE, FL 32563-2541 |
| 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.
| Date | Document |
|---|---|
| Apr 26, 2022 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Aug 19, 2019 | Deed of Trust, Mortgage · VA Mortgage LENDING 3 INC |
| Apr 11, 2018 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2022 · Amount on File |
| Deed Sale | Apr 26, 2022 · Amount on File |
| Deed Document Number | 202225097 |
| Deed Book / Page | 4276 / 86 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 26, 2022 |
| Property Address | 2403 RESERVATION RD, GULF BREEZE, FL 32563-2541 |
| Document Number | 0042760086 |
| Book / Page | 4276 / 86 |
| Map Reference | MB C PG 34 |
| Instrument Date | Apr 22, 2022 |
| Instrument | 202225097 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2022 |
| Title Company | EMERALD COAST TITLE INC, EMERALD COAST TTL INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,430.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3267 DEERFIELD POINTE DR, 3267, ORANGE PARK, FL 32073-1906 |
| Name | Verified Name |
|---|---|
| Address | 2403 RESERVATION RD, GULF BREEZE, FL 32563-2541 |
| Document Number | 0000427688 |
|---|---|
| Date | Apr 26, 2022 |
| Instrument | 4276/88 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2403 RESERVATION RD, GULF BREEZE, FL 32563-2541 |
| Document Number | 0038630371 |
| Instrument Date | Aug 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2403 RESERVATION RD GULF BREEZE FL 325632541, GULF BREEZE, FL 32563-2541 |
| Document Number | 0038630371 |
|---|---|
| Date | Aug 23, 2019 |
| Book Page | 003863/000371 |
| Instrument | 37529 |
| Name | LENDING 3 INC |
|---|---|
| Address | FOUNTAIN VALLEY, CA 92708 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 22, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2403 RESERVATION RD, GULF BREEZE, FL 32563-2541 |
| Document Number | 0037191169 |
| Instrument Date | Apr 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 2403 RESERVATION RD GULF BREEZE FL 325632541, GULF BREEZE, FL 32563-2541 |
| Document Number | 0037191169 |
|---|---|
| Date | Apr 18, 2018 |
| Book Page | 003719/001169 |
| Instrument | 15180 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 17, 2048 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $3,978.00 (-1.27%) Homeowner's exemption | $336,957 (+3%) | $378,824 (+15.8%) Land $157,500 Building $221,324 |
| 2023 | $4,029.00 (+80.59%) Homeowner's exemption | $327,143 (+65.43%) Land $110,250 Building $216,893 | $327,143 (+4.78%) Land $110,250 Building $216,893 |
| 2022 | $2,231.00 Homeowner's exemption | $197,751 | $312,222 Land $98,700 Building $213,522 |
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.
FEMA maps place 2403 Reservation 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 252 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 252 in force |
| Nearby Flood Claims | 140 (1979–2021) |
| Claims Outside the SFHA | 77 of 140 |
| Most Recent Claim | Apr 2021 · rainfall accumulation |
| Claims by Event |
|
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 risk around 2403 Reservation Rd is moderate, ranking above 52% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 246 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
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