3 Beach Dr, Gulf Breeze, FL 32561 Property Records

Santa Rosa County property record for 3 Beach Dr, Gulf Breeze, FL 32561

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,602 sqft · built 2021
Lot Size	0.586 acres (25,526 sqft)
Owner	2 Company Names on Record
Last Sale	$950,000 (Jan 2019)
Tax Bill	$20,996 (2025)
Deeds & Mortgages	Aug 2022 Transfer May 2020 Construction Loan + 1 more
Flood Zone	Zone X (moderate risk)
APN	`07-3S-29-5450-00000-0020`

Property Details

APN / Parcel Number

Primary APN	`07-3S-29-5450-00000-0020`
Alternative APN	`S293075450000000020`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	4,602 sqft Living Area
Gross Area	8,367 sqft
1st Floor Area	3,199 sqft
Upper Floors Area	1,403 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete
Construction Type	Wood
Roof Material	Metal
Lot Area	25,526 sqft (0.586 acres)
Lot Dimensions	284 ft deep x 90 ft wide
View / Lot	Sound
Garage Type	Attached
Garage Area	1,000 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	1,031 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3 BEACH DR
City	GULF BREEZE
State	FL
Zip	32561-4101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAA
Legal Description	TOWN POINT ESTATES LOT 2 AS DES IN OR 3797 PG 554 & AS DES IN OR 4315 PG 1284
Legal Range	29W
Legal Township	3S
Legal Section	07
Legal Subdivision	TOWN POINT ESTATES
Legal Lot Number	2
Jurisdiction	SANTA ROSA FL
Township / Civil Division	GULF BREEZE
Census Block Group	3
Census Block	3001
Census Tract	10900

Owner

Source: Santa Rosa County records, as of July 20, 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 Company Names on Record
Mailing Address	3 BEACH DR, GULF BREEZE, FL 32561-4101
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
May 27, 2020	Deed of Trust, Mortgage · Construction Mortgage SYNOVUS BANK
Jan 15, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2019 · Amount on Record
Deed Sale	Jan 15, 2019 · Amount on Record
Prior Sale	Dec 11, 2015 · Amount on Record
Deed Document Number	20191778
Deed Book / Page	3797 / 554
Last Transfer Date	Aug 10, 2022
Transfer Doc	0043151284
Record Updated	Sep 20, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 11, 2022
Property Address	3 BEACH DR, GULF BREEZE, FL 32561-4101
Document Number	0043151284
Book / Page	4315 / 1284
Map Reference	MB A PG 77
Instrument Date	Aug 10, 2022
Instrument	202247174
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 BEACH DR, GULF BREEZE, FL 32561-4101

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3 BEACH DR, GULF BREEZE, FL 32561-4101

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3 BEACH DR, GULF BREEZE, FL 32561-4101
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039550670
Date	May 27, 2020
Book Page	3955/670
Instrument	202025033

Lender

Name	SYNOVUS BANK
Type	Bank
Address	PENSACOLA, FL 32502

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5%
Index	1-Year LIBOR
Max Rate	8%

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 15, 2019
Property Address	3 BEACH DR, GULF BREEZE, FL 32561-4101
Document Number	0037970554
Book / Page	003797 / 000554
Instrument Date	Jan 15, 2019
Instrument	1778
Transaction Type	Transfer
Record Updated	Feb 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$6,650.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 1180 WESTFORD MA 018860980, WESTFORD, MA 01886-0980

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Municipality	Gulf Breeze City
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$20,996.00 (-12.81%) Homeowner's exemption Veteran's exemption	$1,902,844 (+2.9%)	$2,012,882 (+3.55%) Land $826,200 Building $1,186,682
2024	$24,082.00 (+1.63%) Homeowner's exemption Disabled Person's exemption	$1,849,217 (+3%)	$1,943,810 (-0.43%) Land $826,200 Building $1,117,610
2023	$23,695.00 (+2.19%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$1,795,356 (+3%)	$1,952,241 (+12%) Land $826,200 Building $1,126,041
2022	$23,187.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$1,743,064	$1,743,064 Land $777,600 Building $965,464

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 193 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	209 units insured incl. 16 condo units
Nearby Flood Claims	294 (1979–2023)
Claims Outside the SFHA	36 of 294
Most Recent Claim	Jul 2023 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 43 claims Hurricane Frances, Sep 2004 · 141 claims Hurricane Opal, Oct 1995 · 53 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	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% 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	GULF BREEZE REGIONAL WATER SYSTEM serves 17,596 people · EPA ID FL1570316
Water Source	Purchased groundwater from several systems
Last State Inspection	May 2024
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 128 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: Verizon.

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