Santa Rosa County property record for 3882 Bay Wind Dr, Gulf Breeze, FL 32563
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,824 sqft · built 1988 |
| Lot Size | 0.246 acres (10,759 sqft) |
| Owner | Company Name on Record |
| Last Sale | $320,000 (Jun 2021) |
| Tax Bill | $3,055 (2024) |
| Deeds & Mortgages | Apr 2022 Mortgage Jun 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2S-28-3020-00J00-0280 |
| Primary APN | 28-2S-28-3020-00J00-0280 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,824 sqft Heated Area |
| Gross Area | 2,620 sqft |
| 1st Floor Area | 2,370 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 10,759 sqft (0.246 acres) |
| Lot Dimensions | 1,200 ft deep x 900 ft wide |
| Garage Area | 546 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 250 sqft |
| Deck Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 282S28302000J000280 |
|---|---|
| Street Address | 3882 BAY WIND DR |
| City | GULF BREEZE |
| State | FL |
| Zip | 32563-2959 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | PARADISE BAY UNIT 3 LOT 28 BLK J AS DES IN OR 4128 PG 618 |
| Legal Range | 28W |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | PARADISE BAY/1,2,3 |
| Legal Block | J |
| Legal Lot Number | 28 |
| Legal Unit | 3 |
| 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 October 27, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Co-owner | 2 Co-owners on Record |
| Mailing Address | 3882 BAY WIND DR, GULF BREEZE, FL 32563-2959 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Apr 8, 2022 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jun 4, 2021 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Jul 1, 2019 | Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Jun 4, 2021 · Amount on Record |
| Deed Sale | Jun 4, 2021 · Amount on Record |
| Prior Sale | Aug 15, 2012 · Amount on Record |
| Deed Document Number | 202137415 |
| Deed Book / Page | 4128 / 618 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3882 BAY WIND DR, GULF BREEZE, FL 32563-2959 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0042690596 |
|---|---|
| Date | Apr 8, 2022 |
| Book Page | 4269/596 |
| Instrument | 202221274 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 350 Months |
| Due | Jun 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.17% |
| Type Change Date | Jun 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.17% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.17% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 4, 2021 |
| Property Address | 3882 BAY WIND DR, GULF BREEZE, FL 32563-2959 |
| Document Number | 0041280618 |
| Book / Page | 4128 / 618 |
| Map Reference | MB D PG 53 |
| Instrument Date | Jun 1, 2021 |
| Instrument | 202137415 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 33, GULF BREEZE, FL 32562-0033 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 3248 OLD RANCH DR, SANTA ROSA, CA 95405-8222 |
| Document Number | 4128623 |
|---|---|
| Date | Jun 4, 2021 |
| Instrument | 4128/623 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3882 BAY WIND DR, GULF BREEZE, FL 32563-2959 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0038450806 |
|---|---|
| Date | Jul 1, 2019 |
| Book Page | 3845/0806 |
| Instrument | 201928150 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 30, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $3,055.00 (-1.36%) Homeowner's exemption | $266,327 (+3%) | $281,597 (+2.78%) Land $75,000 Building $206,597 |
| 2023 | $3,097.00 (+2.65%) Homeowner's exemption | $258,570 (+3%) | $273,987 (+9.14%) Land $70,000 Building $203,987 |
| 2022 | $3,017.00 Homeowner's exemption | $251,039 | $251,039 Land $70,000 Building $181,039 |
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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