Santa Rosa County property record for 3874 Bay Wind Dr, Gulf Breeze, FL 32563
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,034 sqft · built 1990 |
| Lot Size | 0.247 acres (10,759 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,048 (2024) |
| Deeds & Mortgages | Sep 2025 Line of Credit Oct 2025 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2S-28-3020-00F00-0400 |
| Primary APN | 28-2S-28-3020-00F00-0400 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,034 sqft Living Area |
| Gross Area | 2,969 sqft |
| 1st Floor Area | 2,034 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 10,759 sqft (0.247 acres) |
| Lot Dimensions | 120 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 511 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 334 sqft |
| Patio Area | 90 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3874 BAY WIND DR |
|---|---|
| City | GULF BREEZE |
| State | FL |
| Zip | 32563-2993 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | PARADISE BAY UNIT #3 LOT 40 BLK F AS DES IN OR 1143 PG 405 |
| Legal Range | 28W |
| Legal Township | 2S |
| Legal Section | 28 |
| Legal Subdivision | PARADISE BAY/1,2,3 |
| Legal Block | F |
| Legal Lot Number | 40 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | MIDWAY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 10814 |
Source: Santa Rosa County records, as of March 6, 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 | 3874 BAY WIND DR, GULF BREEZE, FL 32563-2993 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Sep 18, 2025 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Oct 9, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 9, 2025 |
| Transfer Doc | 0046680238 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3874 BAY WIND DR, GULF BREEZE, FL 32563-2993 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3874 BAY WIND DR, GULF BREEZE, FL 32563-2993 |
| Document Number | 0046591357 |
|---|---|
| Date | Sep 18, 2025 |
| Book Page | 4659/1357 |
| Instrument | 202543687 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 27, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Oct 9, 2025 |
| Property Address | 3874 BAY WIND DR, GULF BREEZE, FL 32563-2993 |
| Document Number | 0046680238 |
| Book / Page | 4668 / 238 |
| Map Reference | MB D PG 53 |
| Instrument Date | Oct 9, 2025 |
| Instrument | 202547884 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3874 BAY WIND DR, GULF BREEZE, FL 32563-2993 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 3874 BAY WIND DR, GULF BREEZE, FL 32563-2993 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| 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 |
|---|---|---|---|
| 2025 | $176,034 (+2.9%) | $308,370 (+1.89%) Land $85,000 Building $223,370 | |
| 2024 | $2,048.00 (+13.9%) Homeowner's exemption | $171,073 (+3%) | $302,658 (+3.23%) Land $75,000 Building $227,658 |
| 2023 | $1,798.00 (+2.98%) Homeowner's exemption | $166,090 (+3%) | $293,190 (-0.64%) Land $70,000 Building $223,190 |
| 2022 | $1,746.00 Homeowner's exemption | $161,252 | $295,074 Land $70,000 Building $225,074 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 75 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 75 in force |
| Nearby Flood Claims | 71 (1985–2020) |
| Claims Outside the SFHA | 54 of 71 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% 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.
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 214 locations within half a mile, as of December 31, 2025
| Provider | Max 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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