Santa Rosa County property record for 3890 Mariners Dr, Gulf Breeze, FL 32563
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,507 sqft · built 1987 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $370,000 (Oct 2024) |
| Tax Bill | $3,200 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Aug 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2S-28-3020-00E00-0280 |
| Primary APN | 28-2S-28-3020-00E00-0280 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,507 sqft Living Area |
| Gross Area | 2,450 sqft |
| 1st Floor Area | 1,507 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 136 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | 273 sqft |
| Patio Area | 115 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3890 MARINERS DR |
|---|---|
| City | GULF BREEZE |
| State | FL |
| Zip | 32563-2949 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 28 BLK E PARADISE BAY UNIT #2 AS DES OR 4504 PG 680 & AS DES IN OR 4556 PG 1672 |
| Legal Range | 28W |
| Legal Township | 2S |
| Legal Section | 28 |
| Legal Subdivision | PARADISE BAY/1,2,3 |
| Legal Block | E |
| Legal Lot Number | 28 |
| 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 13, 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 | 7395 S VIA CASA BONITA, BONITA, TUCSON, AZ 85756 |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Oct 9, 2025 | Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC |
| Aug 1, 2023 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Sep 10, 2020 | Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC |
| Feb 5, 2019 | Warranty Deed, Transfer · VA Mortgage MORTGAGE TRUST INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2024 · Amount on Record |
| Deed Sale | Oct 29, 2024 · Amount on Record |
| Prior Sale | May 21, 2024 · Amount on Record |
| Deed Document Number | 202449033 |
| Deed Book / Page | 4556 / 1672 |
| Prior Transfer Date | May 17, 2024 |
| Prior Transfer Doc | 0045561672 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3890 MARINERS DR, GULF BREEZE, FL 32563-2949 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3890 MARINERS DR, GULF BREEZE, FL 32563-2949 |
| Document Number | 0046671969 |
|---|---|
| Date | Oct 9, 2025 |
| Book Page | 4667/1969 |
| Instrument | 202547796 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3890 MARINERS DR, GULF BREEZE, FL 32563-2949 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3890 MARINERS DR, GULF BREEZE, FL 32563-2949 |
| Document Number | 0044200601 |
|---|---|
| Date | Aug 1, 2023 |
| Book Page | 4420/601 |
| Instrument | 202334403 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Jul 1, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3890 MARINERS DR, GULF BREEZE, FL 32563-2949 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3890 MARINERS DR, GULF BREEZE, FL 32563-2949 |
| Document Number | 0040020001 |
|---|---|
| Date | Sep 10, 2020 |
| Book Page | 4002/1 |
| Instrument | 202046861 |
| Name | LOW VA RATES LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | LINDON, UT 84042 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Feb 5, 2019 |
| Property Address | 3890 MARINERS DR, GULF BREEZE, FL 32563-2949 |
| Document Number | 0038011488 |
| Book / Page | 3801 / 1488 |
| Map Reference | MB D PG 21 |
| Instrument Date | Feb 1, 2019 |
| Instrument | 201904437 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2021 |
| Title Company | EMERALD COAST TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,505.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1276 HOLLIDAY DR, 1276, GULF BREEZE, FL 32563-2530 |
| Name | Verified Name |
|---|---|
| Address | 3890 MARINERS DR, GULF BREEZE, FL 32563-2949 |
| Document Number | 201904438 |
|---|---|
| Date | Feb 5, 2019 |
| Instrument | 201904438 |
| Name | MORTGAGE TRUST INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
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 | $3,200.00 (+55.19%) | $281,598 (+49.45%) Land $85,000 Building $196,598 | $281,598 (+4.14%) Land $85,000 Building $196,598 |
| 2024 | $2,062.00 (+4.99%) Homeowner's exemption Disabled Person's exemption | $188,417 (+3%) | $270,393 (+3.04%) Land $75,000 Building $195,393 |
| 2023 | $1,964.00 (+3.04%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $182,929 (+3%) | $262,414 (-0.19%) Land $70,000 Building $192,414 |
| 2022 | $1,906.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $177,601 | $262,910 Land $70,000 Building $192,910 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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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