302 Bear Dr, Gulf Breeze, FL 32561 Property Records

Santa Rosa County property record for 302 Bear Dr, Gulf Breeze, FL 32561

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,546 sqft · built 1971
Lot Size	0.298 acres (12,981 sqft)
Owner	2 Individual Names on Record
Last Sale	$768,300 (Aug 2026)
Tax Bill	$5,724 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jun 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-3S-29-0540-06500-0020`

Property Details

APN / Parcel Number

Primary APN	`06-3S-29-0540-06500-0020`
Alternative APN	`S293060540065000020`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,546 sqft Living Area
Gross Area	2,695 sqft
1st Floor Area	2,546 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2006
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	12,981 sqft (0.298 acres)
Lot Dimensions	130 ft deep x 100 ft wide

Exterior Amenities

Porch	Slab
Porch Area	420 sqft
Deck Area	1 sqft
Shed	1 Shed
Shed Area	2 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	302 BEAR DR
City	GULF BREEZE
State	FL
Zip	32561-4218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAA
Legal Description	LOT 2 BLK 65 CASABLANCA REVISED PORTION OF PARCEL #4 2ND ADD AS DES IN OR 4651 PG 1657
Legal Range	29W
Legal Township	3S
Legal Section	06
Legal Subdivision	CASABLANCA/ALL PHASE
Legal Block	65
Legal Lot Number	2
Jurisdiction	SANTA ROSA FL
Township / Civil Division	GULF BREEZE
Census Block Group	5
Census Block	5002
Census Tract	10900

Owner

Source: Santa Rosa County records, as of October 13, 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	302 BEAR DR, GULF BREEZE, FL 32561-4218
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Warranty Deed, Transfer · VA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Jun 8, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Nov 16, 2023	Warranty Deed, Transfer · Conventional Mortgage TRIDENT HOME LOANS LLC
Aug 10, 2022	Warranty Deed, Transfer · Commercial Mortgage KIAVI FUNDING INC
Apr 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2026 · Amount on Record
Deed Sale	Aug 17, 2026 · Amount on Record
Prior Sale	Aug 26, 2025 · Amount on Record
Deed Document Number	202641313
Deed Book / Page	4778 / 1873
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 17, 2026
Property Address	302 BEAR DR, GULF BREEZE, FL 32561-4218
Document Number	0000041313
Book / Page	4778 / 1873
Instrument Date	Aug 12, 2026
Instrument	202641313
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	EMERALD COAST TITLE INC, EMERALD COAST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$543,188.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 BEAR DR, GULF BREEZE, FL 32561-4218

Mortgage

Document Number	0000041314,
Date	Aug 17, 2026
Book Page	4778/1876
Instrument	202641314

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 8, 2026
Property Address	302 BEAR DR, GULF BREEZE, FL 32561-4218
Document Number	0000028932
Book / Page	4753 / 1472
Instrument Date	May 30, 2026
Instrument	202628932
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 BEAR DR, GULF BREEZE, FL 32561-4218

Mortgage

Document Number	0000028932,
Date	Jun 8, 2026
Book Page	4753/1472
Instrument	202628932

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Jul 1, 2066

Interest

Rate	6.3%
Max Rate	-1%

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 16, 2023
Property Address	302 BEAR DR, GULF BREEZE, FL 32561-4218
Document Number	0044511338
Book / Page	4451 / 1338
Map Reference	MB A PG 108
Instrument Date	Nov 15, 2023
Instrument	202351504
Transaction Type	Transfer
Record Updated	Jan 1, 2024
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	$4,322.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3311 GULF BREEZE PKWY, GULF BREEZE, FL 32563-3351

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 BEAR DR, GULF BREEZE, FL 32561-4218

Mortgage

Document Number	0044511340
Date	Nov 16, 2023
Instrument	4451/1340

Lender

Name	TRIDENT HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 10, 2022
Property Address	302 BEAR DR, GULF BREEZE, FL 32561-4218
Document Number	0043150021
Book / Page	4315 / 21
Map Reference	MB A PG 108
Instrument Date	Aug 9, 2022
Instrument	202246833
Transaction Type	Transfer
Record Updated	Sep 27, 2022
Title Company	HARPER TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6316 SWEENEY RD, 6316, MILTON, FL 32583-6820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 BEAR DR, GULF BREEZE, FL 32561-4218

Mortgage

Document Number	0043150024
Date	Aug 10, 2022
Book Page	4315/24
Instrument	202246834

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company
Address	PITTSBURGH, PA 15212

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	302 BEAR DR, GULF BREEZE, FL 32561-4218
Document Number	0038241858
Instrument Date	Apr 26, 2019
Transaction Type	Mortgage
Record Updated	Jun 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	302 BEAR DR GULF BREEZE FL 325614218, GULF BREEZE, FL 32561-4218

Mortgage

Document Number	0038241858
Date	May 1, 2019
Book Page	003824/001858
Instrument	17587

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 30, 2029

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	$5,724.00 (-6.39%)	$510,219 (+11.35%) Land $275,000 Building $235,219	$510,219 (+11.35%) Land $275,000 Building $235,219
2024	$6,115.00 (+47.42%)	$458,203 (+49.51%) Land $230,000 Building $228,203	$458,203 (+49.51%) Land $230,000 Building $228,203
2023	$4,148.00 (+214.96%) Homeowner's exemption	$306,480 (+124.81%) Land $225,000 Building $81,480	$306,480 (-19.23%) Land $225,000 Building $81,480
2022	$1,317.00 Homeowner's exemption	$136,331	$379,425 Land $210,000 Building $169,425

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 74 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	74 in force
Nearby Flood Claims	138 (1978–2023)
Claims Outside the SFHA	94 of 138
Most Recent Claim	Jun 2023 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 4 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 30 claims Hurricane Opal, Oct 1995 · 33 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	Not rated no burnable land within 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 442 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

May also be available: Verizon.

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