1. Home
  2. Florida
  3. Gulf Breeze
  4. Laurel Dr

3079 Laurel Dr, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 3079 Laurel Dr, Gulf Breeze, FL 32563

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,524 sqft · built 2018
Lot Size0.633 acres (27,617 sqft)
OwnerIndividual Name on Record
Last Sale$638,000 (Aug 2021)
Tax Bill$5,173 (2024)
Deeds & MortgagesAug 2021 Sale & Mortgage
May 2018 Construction Loan
+ 1 more
Flood ZoneZone AE (high risk)
APN31-2S-28-4640-00D00-0070

Property Details

APN / Parcel Number

Primary APN31-2S-28-4640-00D00-0070

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,524 sqft Heated Area
Gross Area3,884 sqft
1st Floor Area3,120 sqft
FlooringWood
Interior WallsCustom/Decorative
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2018
Exterior MaterialFiber Cement Siding
Construction TypeWood
Foundation TypeMasonry
Roof MaterialShingle
Lot Area27,617 sqft (0.633 acres)
Lot Dimensions2,010 ft deep x 1,630 ft wide
Garage Area596 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area764 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number312S28464000D000070
Street Address3079 LAUREL DR
CityGULF BREEZE
StateFL
Zip32563-3119
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionSANTA ROSA BEACH LOT 7 BLK D AS DES IN OR 4171 PG 1603 (OUT OF LOT 5 FOR 2017)
Legal Range28W
Legal Township02S
Legal Section31
Legal SubdivisionSANTA ROSA BEACH
Legal BlockD
Legal Lot Number5,7
JurisdictionSANTA ROSA FL
Township / Civil DivisionMIDWAY
Census Block Group2
Census Block2024
Census Tract10812

Owner

Source: Santa Rosa County records, as of October 27, 2025

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

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address3079 LAUREL DR, GULF BREEZE, FL 32563-3119
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 31, 2021Warranty Deed, Transfer · Conventional Mortgage
TRIDENT HOME LOANS LLC
May 3, 2018Deed of Trust, Mortgage · Construction Mortgage
WHITNEY BANK
Jun 7, 2019Loan Modification, Mortgage
HANCOCK WHITNEY BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 31, 2021 · Amount on Record
Deed SaleAug 31, 2021 · Amount on Record
Deed Document Number202158516
Deed Book / Page4171 / 1603
Record UpdatedJun 8, 2026

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateAug 31, 2021
Property Address3079 LAUREL DR, GULF BREEZE, FL 32563-3119
Document Number0041711603
Book / Page4171 / 1603
Map ReferenceMB A PG 48
Instrument DateAug 30, 2021
Instrument202158516
Transaction TypeTransfer
Record UpdatedSep 29, 2021
Title CompanyNOT AVAILABLE, WHITE SANDS TITLE AGENCY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,466.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address100 NORGHRUFF DR, 100, GULF BREEZE, FL 32561

Transferred To (Grantee/Buyer)

NameVerified Name
Address3079 LAUREL DR, GULF BREEZE, FL 32563-3119

Mortgage

Document Number41711606
DateAug 31, 2021
Instrument4171/1606
Lender
NameTRIDENT HOME LOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2051

May 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address3079 LAUREL DR, GULF BREEZE, FL 32563-3119
Transaction TypeMortgage
Record UpdatedFeb 7, 2021
Title CompanyEMERALD COAST TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0037241213
DateMay 3, 2018
Book Page3724/1213
Instrument201817761
Lender
NameWHITNEY BANK
TypeBank
AddressGULFPORT, MS 39502
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term360 Months
DueMay 1, 2048
Interest
Rate TypeFixed Rate
Rate4.37%
Type Change DateMay 1, 2023
Change FrequencyAnnually
Min Rate At Change2.37%
Max Rate At Change6.37%
Index1-Year LIBOR
Max Rate9.37%

June 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSANTA ROSA FL
Property Address3079 LAUREL DR, GULF BREEZE, FL 32563-3119
Document Number0038520926
Instrument DateJun 7, 2019
Transaction TypeMortgage
Record UpdatedOct 2, 2019
Title CompanyEMERALD COAST TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3079 LAUREL DR GULF BREEZE FL 325633119, GULF BREEZE, FL 32563-3119

Mortgage

Document Number0038520926
DateJul 22, 2019
Book Page003852/000926
Instrument31731
Lender
NameHANCOCK WHITNEY BK
AddressNEW ORLEANS, LA 70122
Agreement
AmountAmount Recorded
Term360 Months
DueJul 21, 2049
Interest
Rate TypeFixed Rate
Rate4.12%

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2024$5,173.00 (-3.74%) Homeowner's exemption$435,602 (+3%)$495,384 (+2.19%) Land $91,000 Building $404,384
2023$5,374.00 (+2.44%) Homeowner's exemption$422,915 (+3%)$484,750 (+7.91%) Land $84,500 Building $400,250
2022$5,246.00 Homeowner's exemption$410,597$449,236 Land $58,500 Building $390,736

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 384 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies384 in force
Nearby Flood Claims703 (1979–2021)
Claims Outside the SFHA233 of 703
Most Recent ClaimAug 2021 · other causes
Claims by Event
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 55 claims
  • Hurricane Frances, Sep 2004 · 339 claims
  • Hurricane Opal, Oct 1995 · 95 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 RiskLow
lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood0.04% annual chance
ExposureDirect
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 SystemMIDWAY WATER SYSTEM, INC.
serves 21,196 people · EPA ID FL1570470
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20

Nearby Properties on Laurel Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures