4054 Sandy Bluff Dr W, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 4054 Sandy Bluff Dr W, Gulf Breeze, FL 32563

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,233 sqft · built 1977
Lot Size	0.631 acres (27,486 sqft)
Owner	2 Individual Names on Record
Last Sale	$100 (Oct 2016)
Tax Bill	$3,320 (2024)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-2S-28-2350-00200-0050`

Property Details

APN / Parcel Number

Primary APN	`28-2S-28-2350-00200-0050`
Alternative APN	`S282282350002000050`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,233 sqft Living Area
Gross Area	3,083 sqft
1st Floor Area	2,233 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	27,486 sqft (0.631 acres)
Lot Dimensions	275 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	192 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4054 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 5 & 6 BLK 2 AS DES IN OR 1545 PG 111 & PB OR 2676 PG 1815 & OR 2830 PG 12 & IN OR 2934 PG 799 & IN OR 3393 PG 911 & IN OR 3572 PGS 1333 & 1334
Legal Range	28W
Legal Township	2S
Legal Section	28
Legal Subdivision	MAGNOLIA MANOR
Legal Block	2
Legal Lot Number	5
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MIDWAY
Census Block Group	1
Census Block	1001
Census Tract	10814

Owner

Source: Santa Rosa County records, as of December 8, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	4054 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2938
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2016 · Amount on Record
Deed Sale	Oct 1, 2016 · Amount on Record
Prior Sale	Dec 11, 2014 · Amount on Record
Deed Book / Page	3572 / 1333
Last Transfer Date	Oct 25, 2016
Transfer Doc	0035721333
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4054 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2938
Transaction Type	Mortgage
Record Updated	Feb 8, 2021
Title Company	PDT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4054 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2938

Mortgage

Document Number	0040461525
Date	Dec 22, 2020
Book Page	4046/1525
Instrument	202069527

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$293,256 (+2.9%)	$486,324 (+1.39%) Land $270,400 Building $215,924
2024	$3,320.00 Homeowner's exemption	$284,991 (+3%)	$479,668 (+1.87%) Land $270,400 Building $209,268
2023	$3,320.00 (+2.63%) Homeowner's exemption	$276,690 (+3%)	$470,849 (+3.15%) Land $270,400 Building $200,449
2022	$3,235.00 Homeowner's exemption	$268,631	$456,486 Land $260,000 Building $196,486

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 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	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 Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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