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3996 Sandy Bluff Dr W, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 3996 Sandy Bluff Dr W, Gulf Breeze, FL 32563

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 4,033 sqft · built 2010
Lot Size0.631 acres (27,486 sqft)
OwnerIndividual Name on File
Tax Bill$948 (2025)
Deeds & MortgagesMay 2026 Mortgage
Dec 2020 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN28-2S-28-2350-00100-0010

Property Details

APN / Parcel Number

Primary APN28-2S-28-2350-00100-0010
Alternative APN
  • S282282350001000010

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area4,033 sqft Living Area
Gross Area6,278 sqft
1st Floor Area2,733 sqft
Basement Area1,300 sqft
Finished Basement1,300 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2010
Effective Year BuiltEffective 2010
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area27,486 sqft (0.631 acres)
Lot Dimensions275 ft deep x 100 ft wide
View / LotBay
Garage TypeAttached
Garage Area576 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFinished/Open Porch
Porch Area1,194 sqft
Deck Area289 sqft
Patio Area186 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3996 SANDY BLUFF DR W
CityGULF BREEZE
StateFL
Zip32563-2936
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionMAGNOLIA MANOR LOTS 1 & 2 BLK 1 AS DES IN OR 2360 PG 1570 & OR 3068 PG 768
Legal Range28W
Legal Township2S
Legal Section28
Legal SubdivisionMAGNOLIA MANOR
Legal Block1
Legal Lot Number1
JurisdictionSANTA ROSA FL
Township / Civil DivisionMIDWAY
Census Block Group1
Census Block1001
Census Tract10814

Owner

3996 Sandy Bluff Dr W is owned and occupied by an individual who acquired it in July 2011.

Source: Santa Rosa County records, as of July 14, 2026

Owner of RecordIndividual Name on File
Mailing Address3996 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2936
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
May 29, 2026Deed of Trust, Mortgage · Conventional Mortgage
DART BANK
Dec 4, 2020Grant Deed, Transfer
ATTORNEY ONLY
Apr 11, 2018Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 12, 2011
Deed SaleJul 12, 2011
Prior SaleOct 12, 2004 · Amount on File
Deed Document Number201123940
Deed Book / Page3068 / 768
Prior Transfer DateJul 2, 2011
Prior Transfer Doc0030680768
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Recording DateMay 29, 2026
Property Address3996 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2936
Document Number0000027115
Book / Page4749 / 1362
Instrument DateMay 18, 2026
Instrument202627115
Transaction TypeMortgage
Record UpdatedJul 14, 2026
Title CompanyWORLD WIDE LAND TRANSFER INC, WORLD WIDE LAND TRANSFER

Transferred To (Grantee/Buyer)

NameVerified Name
Address3996 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2936

Mortgage

Document Number0000027115,
DateMay 29, 2026
Book Page4749/1362
Instrument202627115
Lender
NameDART BANK
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJun 1, 2056
Interest
Rate TypeFixed Rate
Rate6.3%
Initial TypeFixed Rate
Max Rate-1%

December 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA ROSA FL
Recording DateDec 4, 2020
Property Address3996 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2936
Document Number0040380028
Book / Page004038 / 000028
Instrument DateDec 3, 2020
Instrument65155
Transaction TypeTransfer
Record UpdatedJan 11, 2021
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$2,275.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address201 BROAD ST #200 ROME GA 301613055, 200, ROME, GA 30161-3055
InvestorPossibly a Property Investor

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateApr 11, 2018
Property Address3996 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2936
Document Number0037171669
Book / Page003717 / 001669
Instrument DateApr 4, 2018
Instrument14232
Transaction TypeTransfer
Record UpdatedJun 12, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$96.60
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2700 E 4TH AVE HUTCHINSON KS 675011903, HUTCHINSON, KS 67501-1903

Tax Assessment & Valuation

The 2025 property tax bill for 3996 Sandy Bluff Dr W was $948 with exemptions applied.

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$948.00 Homeowner's exemption Veteran's exemption$474,580 (+2.9%)$931,234 (+15.62%) Land $270,400 Building $660,834
2024$948.00 (-83.23%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$461,205 (+3%)$805,406 (+0.85%) Land $270,400 Building $535,006
2023$5,653.00 (+2.47%) Homeowner's exemption Disabled Person's exemption$447,772 (+3%)$798,647 (+3.89%) Land $270,400 Building $528,247
2022$5,517.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$434,730$768,742 Land $260,000 Building $508,742

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3996 Sandy Bluff Dr W in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone VE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 75 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies75 in force
Nearby Flood Claims71 (1985–2020)
Claims Outside the SFHA54 of 71
Most Recent ClaimSep 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

Wildfire risk around 3996 Sandy Bluff Dr W is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemMIDWAY WATER SYSTEM, INC.
serves 21,196 people · EPA ID FL1570470
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 194 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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