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3870 Bay Wind Dr, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 3870 Bay Wind Dr, Gulf Breeze, FL 32563

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,717 sqft · built 1987
Lot Size0.247 acres (10,759 sqft)
Owner2 Individual Names on Record
Last Sale$350,000 (Sep 2026)
Tax Bill$2,191 (2025)
Deeds & MortgagesSep 2026 Sale & Mortgage
Nov 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN28-2S-28-3020-00F00-0380

Property Details

APN / Parcel Number

Primary APN28-2S-28-3020-00F00-0380
Alternative APN
  • S28228302000F000380

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,717 sqft Living Area
Gross Area2,760 sqft
1st Floor Area1,717 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1997
Exterior MaterialVinyl
Construction TypeWood
Foundation TypeMasonry
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area10,759 sqft (0.247 acres)
Lot Dimensions120 ft deep x 90 ft wide
Garage TypeAttached
Garage Area399 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchSlab
Porch Area90 sqft
Deck Area340 sqft
Patio Area64 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3870 BAY WIND DR
CityGULF BREEZE
StateFL
Zip32563-2992
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionPARADISE BAY UNIT #3 LOT 38 BLK F AS DES IN OR 3874 PG 435
Legal Range28W
Legal Township2S
Legal Section28
Legal SubdivisionPARADISE BAY/1,2,3
Legal BlockF
Legal Lot Number38
JurisdictionSANTA ROSA FL
Township / Civil DivisionMIDWAY
Census Block Group1
Census Block1001
Census Tract10814

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 Record2 Individual Names on Record
Mailing Address3870 BAY WIND DR, GULF BREEZE, FL 32563-2992
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Sep 11, 2026Warranty Deed, Transfer · FHA Mortgage
GARDNER FINANCIAL SERVICES
Nov 12, 2020Deed of Trust, Mortgage · VA Mortgage
QUICKEN LOANS LLC
Sep 26, 2019Warranty Deed, Transfer · VA Mortgage
VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 11, 2026 · Amount on Record
Deed SaleSep 11, 2026 · Amount on Record
Prior SaleSep 26, 2019 · Amount on Record
Deed Document Number202646044
Deed Book / Page4787 / 1720
Record UpdatedOct 29, 2026

September 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateSep 11, 2026
Property Address3870 BAY WIND DR, GULF BREEZE, FL 32563-2992
Document Number0000046044
Book / Page4787 / 1720
Instrument DateSep 11, 2026
Instrument202646044
Transaction TypeTransfer
Record UpdatedOct 5, 2026
Title CompanyALLURE TITLE COMPANY, ALLURE TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$247,450.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3870 BAY WIND DR, GULF BREEZE, FL 32563-2992

Mortgage

Document Number0000046045,
DateSep 11, 2026
Instrument202646045
Lender
NameGARDNER FINANCIAL SERVICES
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 1, 2056
Interest
Max Rate-1%

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address3870 BAY WIND DR, GULF BREEZE, FL 32563-2992
Transaction TypeMortgage
Record UpdatedMay 2, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0040280545
DateNov 12, 2020
Book Page4028/545
Instrument202060126
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2050

September 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateSep 26, 2019
Property Address3870 BAY WIND DR, GULF BREEZE, FL 32563-2992
Document Number0038740435
Book / Page003874 / 000435
Instrument DateSep 24, 2019
Instrument43196
Transaction TypeTransfer
Record UpdatedDec 5, 2019
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,631.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3870 BAY WIND DR GULF BREEZE FL 325632992, GULF BREEZE, FL 32563-2992

Mortgage

Document Number38740439
DateSep 26, 2019
Book Page003874/000439
Instrument43197
Lender
NameVETERANS UNITED HM LNS
TypeFunding / Finance Company
AddressCOLUMBIA, MO 65203
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 25, 2049

Tax Assessment & Valuation

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

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
2025$2,191.00 (+3.84%)$191,078 (+2.9%)$279,544 (+2.69%) Land $85,000 Building $194,544
2024$2,110.00 (+5.66%) Homeowner's exemption$185,693 (+3%)$272,225 (+2.74%) Land $75,000 Building $197,225
2023$1,997.00 (+2.89%) Homeowner's exemption$180,284 (+3%)$264,964 (+2.17%) Land $70,000 Building $194,964
2022$1,941.00 Homeowner's exemption$175,033$259,329 Land $70,000 Building $189,329

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 X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 75 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies75 in force
Nearby Flood Claims71 (1985–2020)
Claims Outside the SFHA54 of 71
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Hurricane Sally, Sep 2020 · 12 claims
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 11 claims
  • Hurricane Frances, Sep 2004 · 19 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 RiskModerate
above 56% of the US · lower than 72% of Florida
Wildfire Likelihood0.09% 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 214 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mediacom Xtream
Cable · Fiber in parts of the area		1,000 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless · DSL · Fiber in parts of the area		100 / 20

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