Santa Rosa County property record for 4004 Sandy Bluff Dr W, Gulf Breeze, FL 32563
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4.5 ba · 4,990 sqft · built 2023 |
| Lot Size | 0.608 acres (26,484 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $2,710,000 (Jun 2025) |
| Tax Bill | $13,468 (2025) |
| Deeds & Mortgages | Dec 2021 Construction Loan May 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2S-28-2350-00100-0030 |
| Primary APN | 28-2S-28-2350-00100-0030 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,990 sqft Living Area |
| Gross Area | 8,114 sqft |
| 1st Floor Area | 2,652 sqft |
| Upper Floors Area | 2,338 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Metal |
| Lot Area | 26,484 sqft (0.608 acres) |
| Lot Dimensions | 265 ft deep x 100 ft wide |
| View / Lot | Bay |
| Garage Type | Attached |
| Garage Area | 936 sqft |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4004 SANDY BLUFF DR W |
|---|---|
| City | GULF BREEZE |
| State | FL |
| Zip | 32563-2938 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | MAGNOLIA MANOR LOTS 3 & 4 BLK 1 & N 30 FT OF SANDY BLUFF R/W PER VAC IN OR 4316 PG 680 ALL AS DES IN OR 4625 PG 330 |
| Legal Range | 28W |
| Legal Township | 2S |
| Legal Section | 28 |
| Legal Subdivision | MAGNOLIA MANOR |
| Legal Block | 1 |
| Legal Lot Number | 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 July 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 | 9704 RIVER RD, BOZEMAN, MT 59718-8174 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 27, 2021 | Deed of Trust, Mortgage · Construction Mortgage WHITNEY BANK |
| May 28, 2020 | Warranty Deed, Transfer HARPER TITLE CO LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 9, 2025 · Amount on Record |
| Deed Sale | Jun 9, 2025 · Amount on Record |
| Prior Sale | May 28, 2020 · Amount on Record |
| Deed Document Number | 202526219 |
| Deed Book / Page | 4625 / 330 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4004 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2938 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1939 SPARROW LN, NAVARRE, FL 32566-8555 |
| Investor | Possibly a Property Investor |
| Document Number | 0042251992 |
|---|---|
| Date | Dec 27, 2021 |
| Book Page | 4225/1992 |
| Instrument | 202185254 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | GULFPORT, MS 39501 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Jan 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.62% |
| Index | Other |
| Max Rate | 7.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 28, 2020 |
| Property Address | 4004 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2938 |
| Document Number | 0039551667 |
| Book / Page | 003955 / 001667 |
| Instrument Date | May 26, 2020 |
| Instrument | 25265 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2020 |
| Title Company | HARPER TITLE CO LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,505.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3032 TIFFANY LN NAVARRE FL 325668061, NAVARRE, FL 32566-8061 |
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 | $13,468.00 (+2.8%) | $1,106,359 (+2.9%) | $1,488,662 (+31.52%) Land $265,200 Building $1,223,462 |
| 2024 | $13,101.00 (+290.61%) Homeowner's exemption | $1,075,179 (+305.42%) | $1,131,895 (+326.81%) Land $265,200 Building $866,695 |
| 2023 | $3,354.00 (+6.31%) | $265,200 (+4%) Land $265,200 | $265,200 (+4%) Land $265,200 |
| 2022 | $3,155.00 | $255,000 | $255,000 Land $255,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 100 ft |
| 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 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 194 locations within half a mile, as of December 31, 2025
| Provider | Max 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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