Santa Rosa County property record for 3881 Sail Wind Dr, Gulf Breeze, FL 32563
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,548 sqft · built 1986 |
| Lot Size | 0.314 acres (13,678 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $260,000 (Nov 2021) |
| Tax Bill | $2,906 (2024) |
| Deeds & Mortgages | Nov 2023 Second Mortgage Nov 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2S-28-3020-00E00-0050 |
| Primary APN | 28-2S-28-3020-00E00-0050 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,548 sqft Heated Area |
| Gross Area | 2,382 sqft |
| 1st Floor Area | 2,052 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 13,678 sqft (0.314 acres) |
| Lot Dimensions | 1,520 ft deep x 900 ft wide |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 186 sqft |
| Deck Area | 144 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 282S28302000E000050 |
|---|---|
| Street Address | 3881 SAIL WIND DR |
| City | GULF BREEZE |
| State | FL |
| Zip | 32563-2996 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | *DESCRIPTION UPDATE FOR 2022* PARADISE BAY UNIT 1 LOT 5 BLK E AS DES IN OR 4201 PG 1078 |
| Legal Range | 28W |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | PARADISE BAY/1,2,3 |
| Legal Block | E |
| Legal Lot Number | 5 |
| Legal Unit | 1 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | MIDWAY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 10814 |
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3881 SAIL WIND DR, GULF BREEZE, FL 32563-2996 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 28, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Nov 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 1, 2021 · Amount on Record |
| Deed Sale | Nov 1, 2021 · Amount on Record |
| Prior Sale | Jul 22, 2016 |
| Deed Document Number | 0042011078 |
| Deed Book / Page | 4201 / 1078 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3881 SAIL WIND DR, GULF BREEZE, FL 32563-2996 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3881 SAIL WIND DR, GULF BREEZE, FL 32563-2996 |
| Document Number | 0044540249 |
|---|---|
| Date | Nov 28, 2023 |
| Book Page | 4454/249 |
| Instrument | 202352880 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Dec 1, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Nov 1, 2021 |
| Property Address | 3881 SAIL WIND DR, GULF BREEZE, FL 32563-2996 |
| Document Number | 0042011078 |
| Book / Page | 4201 / 1078 |
| Map Reference | MB C PG 163 |
| Instrument Date | Oct 22, 2021 |
| Instrument | 202173096 |
| Transaction Type | Transfer |
| Record Updated | Dec 27, 2021 |
| Title Company | EMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,820.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11541 THOUSAND OAKS DR, 11541, PENSACOLA, FL 32514-9760 |
| Name | Verified Name |
|---|---|
| Address | 3881 SAIL WIND DR, GULF BREEZE, FL 32563-2996 |
| Document Number | 0042011080 |
|---|---|
| Date | Nov 1, 2021 |
| Instrument | 4201/1080 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| 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 |
|---|---|---|---|
| 2024 | $2,906.00 (-1.32%) Homeowner's exemption | $255,185 (+3%) | $255,248 (+3.03%) Land $75,000 Building $180,248 |
| 2023 | $2,945.00 (-0.64%) Homeowner's exemption | $247,752 (+0.19%) Land $70,000 Building $177,752 | $247,752 (+0.19%) Land $70,000 Building $177,752 |
| 2022 | $2,964.00 Homeowner's exemption | $247,287 | $247,287 Land $70,000 Building $177,287 |
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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