3878 Bay Wind Dr, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 3878 Bay Wind Dr, Gulf Breeze, FL 32563

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,413 sqft · built 1991
Lot Size	0.285 acres (12,458 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,972 (2024)
Deeds & Mortgages	Mar 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`28-2S-28-3020-00F00-0420`

Property Details

APN / Parcel Number

Primary APN	`28-2S-28-3020-00F00-0420`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,413 sqft Heated Area
Gross Area	3,383 sqft
1st Floor Area	3,023 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Exterior Material	Stone
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	12,458 sqft (0.285 acres)
Lot Dimensions	1,200 ft deep x 1,040 ft wide
Garage Area	610 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	282S28302000F000420
Street Address	3878 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	ENHNCD LIFE EST RESERVED IN: PARADISE BAY UNIT #3 LOT 42 BLK F AS DES IN OR 1356 PG 467 & E-L/E IN OR 4086 PG 866
Legal Range	28W
Legal Township	02S
Legal Section	28
Legal Subdivision	PARADISE BAY/1,2,3
Legal Block	F
Legal Lot Number	42
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	2 Individual Names on Record
Co-owner	2 Co-owners on Record
Mailing Address	3878 BAY WIND DR, GULF BREEZE, FL 32563-2993
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Transfer Date	Mar 12, 2021
Transfer Doc	0040860866
Record Updated	Jun 8, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 12, 2021
Property Address	3878 BAY WIND DR, GULF BREEZE, FL 32563-2993
Document Number	0040860866
Book / Page	4086 / 866
Map Reference	MB D PG 53
Instrument Date	Mar 11, 2021
Instrument	202116595
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3878 BAY WIND DR, 3878, GULF BREEZE, FL 32563-2993

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	394 LAKE RD, MONTICELLO, FL 32344-5479

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	$2,972.00 (+5.77%) Homeowner's exemption Widower's exemption	$250,428 (+3%)	$404,956 (+4.69%) Land $75,000 Building $329,956
2023	$2,810.00 (+0.43%) Homeowner's exemption Widower's exemption	$243,134 (+3%)	$386,815 (-0.18%) Land $70,000 Building $316,815
2022	$2,798.00 Homeowner's exemption Widower's exemption	$236,052	$387,530 Land $70,000 Building $317,530

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