3876 Bay Wind Dr, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 3876 Bay Wind Dr, Gulf Breeze, FL 32563

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,768 sqft · built 1992
Lot Size	0.246 acres (10,759 sqft)
Owner	Owner Name on Record
Last Sale	$232,000 (Mar 2006)
Tax Bill	$2,045 (2024)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-2S-28-3020-00F00-0410`

Property Details

APN / Parcel Number

Primary APN	`28-2S-28-3020-00F00-0410`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,768 sqft Heated Area
Gross Area	2,824 sqft
1st Floor Area	2,248 sqft
Flooring	Laminate Plank
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	10,759 sqft (0.246 acres)
Lot Dimensions	1,200 ft deep x 900 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	347 sqft
Deck Area	201 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	282S28302000F000410
Street Address	3876 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 41 BLK F AS DES IN OR 2581 PG 905
Legal Range	28W
Legal Township	02S
Legal Section	28
Legal Subdivision	PARADISE BAY/1,2,3
Legal Block	F
Legal Lot Number	41
Legal Unit	3
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MIDWAY
Census Block Group	1
Census Block	1001
Census Tract	10814

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 Record	Owner Name on Record
Mailing Address	3876 BAY WIND DR, GULF BREEZE, FL 32563-2993
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2006 · Amount on Record
Deed Sale	Mar 27, 2006 · Amount on Record
Deed Document Number	200616631
Deed Book / Page	2581 / 0905
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3876 BAY WIND DR, GULF BREEZE, FL 32563-2993
Transaction Type	Mortgage
Record Updated	Apr 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3876 BAY WIND DR, GULF BREEZE, FL 32563-2993

Mortgage

Document Number	0040871823
Date	Mar 16, 2021
Book Page	4087/1823
Instrument	202117265

Lender

Name	SOUTHPOINT FINANCIAL SERVICES INC
Type	Subprime Lender
Address	ALPHARETTA, GA 30005

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$2,045.00 (+11.02%) Homeowner's exemption	$174,294 (+3%)	$314,784 (+2.62%) Land $75,000 Building $239,784
2023	$1,842.00 (+2.96%) Homeowner's exemption	$169,217 (+3%)	$306,735 (-0.03%) Land $70,000 Building $236,735
2022	$1,789.00 Homeowner's exemption	$164,288	$306,815 Land $70,000 Building $236,815

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 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	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 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.

Drinking Water

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

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 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