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4023 Sandy Bluff Dr W, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 4023 Sandy Bluff Dr W, Gulf Breeze, FL 32563

Property Summary

Property TypeSingle Family Home
Details4 bd · 4.5 ba · 1,998 sqft · built 1979
Lot Size0.172 acres (7,492 sqft)
OwnerCompany Name on Record
Last Sale$231,000 (Sep 2022)
Tax Bill$2,929 (2025)
Deeds & MortgagesFeb 2024 Construction Loan
Oct 2022 Construction Loan
+ 3 more
Flood ZoneZone X (minimal risk)
APN28-2S-28-2350-00400-0060

Property Details

APN / Parcel Number

Primary APN28-2S-28-2350-00400-0060
Alternative APN
  • S282282350004000060

Interior

Bedrooms4 Beds
Full Baths4.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,998 sqft Living Area
Gross Area2,393 sqft
1st Floor Area1,187 sqft
Upper Floors Area811 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 2004
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Foundation TypeMasonry
Roof TypeFlat
Roof MaterialOther
Lot Area7,492 sqft (0.172 acres)
Lot Dimensions150 ft deep x 50 ft wide

Exterior Amenities

PorchFinished/Open Porch
Porch Area299 sqft
Deck Area264 sqft
Patio Area111 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address4023 SANDY BLUFF DR W
CityGULF BREEZE
StateFL
Zip32563-2937
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionMAGNOLIA MANOR LOT 6 BLK 4 AS DES IN OR 4328 PG 1563 & AS CORR IN OR BK 4330 PG 2006
Legal Range28W
Legal Township2S
Legal Section28
Legal SubdivisionMAGNOLIA MANOR
Legal Block4
Legal Lot Number6
JurisdictionSANTA ROSA FL
Township / Civil DivisionMIDWAY
Census Block Group1
Census Block1001
Census Tract10814

Owner

Source: Santa Rosa County records, as of October 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Owner TypeCompany
VestingLimited Liability Company

Deeds, Mortgages & Sale History

DateDocument
Feb 16, 2024Deed of Trust, Mortgage · Construction Mortgage
KIAVI FUNDING INC
Oct 7, 2022Deed of Trust, Mortgage · Construction Mortgage
KIAVI FUNDING INC
Sep 29, 2022Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Sep 22, 2022Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Mar 19, 2021Warranty Deed, Transfer · Commercial Mortgage
DANIEL HECHT

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 22, 2022 · Amount on Record
Deed SaleSep 22, 2022 · Amount on Record
Prior SaleMar 19, 2021 · Amount on Record
Deed Document Number202254731
Deed Book / Page4328 / 1563
Record UpdatedOct 29, 2026

February 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address4023 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2937
Transaction TypeMortgage
Record UpdatedApr 1, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address1712 PLONEER AVE #552 552, 552, CHEYENNE, WY 82001-4406

Mortgage

Document Number0044741987
DateFeb 16, 2024
Book Page4474/1987
Instrument202406865
Lender
NameKIAVI FUNDING INC
TypeMortgage Company
Address2 ALLEGHENY CTR STE 200, PITTSBURGH, PA 15212
Agreement
TypeConstruction Mortgage
AmountAmount Recorded

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address4023 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2937
Transaction TypeMortgage
Record UpdatedNov 11, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1712 PIONEER AVE, CHEYENNE, WY 82001-4406

Mortgage

Document Number0043331674
DateOct 7, 2022
Book Page4333/1674
Instrument202257548
Lender
NameKIAVI FUNDING INC
TypeMortgage Company
AddressPITTSBURGH, PA 15212
Agreement
TypeConstruction Mortgage
AmountAmount Recorded

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateSep 29, 2022
Property Address4023 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2937
Document Number0043302006
Book / Page4330 / 2006
Map ReferenceMB A PG 78
Instrument DateSep 22, 2022
Instrument202256026
Transaction TypeTransfer
Record UpdatedNov 2, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address228 LE STARBOARD DR, 228, PENSACOLA BEACH, FL 32561-3916

Transferred To (Grantee/Buyer)

NameVerified Name
Address7040 AVENIDA ENCINAS, CARLSBAD, CA 92011-4652

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateSep 22, 2022
Property Address4023 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2937
Document Number0043281563
Book / Page4328 / 1563
Map ReferenceMB A PG 78
Instrument DateSep 22, 2022
Instrument202254731
Transaction TypeTransfer
Record UpdatedNov 2, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$1,617.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address228 LE STARBOARD DR, 228, PENSACOLA BEACH, FL 32561-3916

Transferred To (Grantee/Buyer)

NameVerified Name
Address7040 AVENIDA ENCINAS STE 104, 104, CARLSBAD, CA 92011-4653

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateMar 19, 2021
Property Address4023 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2937
Document Number0040891647
Book / Page4089 / 1647
Map ReferenceMB A PG 78
Instrument DateMar 18, 2021
Instrument202118126
Transaction TypeTransfer
Record UpdatedAug 2, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$945.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5867 CONGRESS ST, 5867, GULF BREEZE, FL 32563-8602

Transferred To (Grantee/Buyer)

NameVerified Name
Address4441 BELL LN, PACE, FL 32571-2740

Mortgage

Document Number0040891649
DateMar 19, 2021
Instrument4089/1649
Lender
NameDANIEL HECHT
TypePrivate Party
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

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$2,929.00 (+17.49%)$246,036 (+31.44%) Land $51,000 Building $195,036$246,036 (+31.44%) Land $51,000 Building $195,036
2024$2,493.00 (-2.88%)$187,183 (+2.42%) Land $51,000 Building $136,183$187,183 (+2.42%) Land $51,000 Building $136,183
2023$2,567.00 (+38.16%)$182,758 (+39.28%) Land $51,000 Building $131,758$182,758 (+39.28%) Land $51,000 Building $131,758
2022$1,858.00$131,220$131,220 Land $51,000 Building $80,220

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

Flood

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 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
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

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 Likelihood0.01% 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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