Santa Rosa County property record for 4070 Sandy Bluff Dr W, Gulf Breeze, FL 32563
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,988 sqft · built 2018 |
| Lot Size | 0.654 acres (28,488 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $310,000 (Jun 2016) |
| Tax Bill | $732 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Jul 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2S-28-2350-00200-0090 |
| Primary APN | 28-2S-28-2350-00200-0090 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,988 sqft Living Area |
| Gross Area | 4,403 sqft |
| 1st Floor Area | 2,988 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 28,488 sqft (0.654 acres) |
| Lot Dimensions | 285 ft deep x 100 ft wide |
| View / Lot | Bay |
| Garage Type | Attached |
| Garage Area | 812 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 603 sqft |
| Deck Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4070 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 9 & 10 BLK 2 AS DES IN OR 3531 PG 680 |
| Legal Range | 28W |
| Legal Township | 2S |
| Legal Section | 28 |
| Legal Subdivision | MAGNOLIA MANOR |
| Legal Block | 2 |
| Legal Lot Number | 9 |
| 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 June 2, 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 | 4070 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2938 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 29, 2025 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Jul 29, 2021 | Deed of Trust, Mortgage · VA Mortgage BNC NATIONAL BANK |
| Aug 18, 2020 | Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC |
| Sep 18, 2019 | Deed of Trust, Mortgage · VA Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Oct 31, 2018 | Loan Modification, Mortgage UNIVERSITY LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2016 · Amount on Record |
| Deed Sale | Jun 1, 2016 · Amount on Record |
| Prior Sale | Sep 15, 2003 · Amount on Record |
| Deed Book / Page | 3531 / 680 |
| Prior Transfer Date | Feb 28, 2011 |
| Prior Transfer Doc | 0030561975 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4070 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2938 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4070 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2938 |
| Document Number | 0046930332 |
|---|---|
| Date | Dec 29, 2025 |
| Book Page | 4693/332 |
| Instrument | 202560199 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 23, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4070 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2938 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4070 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2938 |
| Document Number | 0041560062 |
|---|---|
| Date | Jul 29, 2021 |
| Book Page | 4156/62 |
| Instrument | 202151163 |
| Name | BNC NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | GLENDALE, AZ 85308 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4070 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2938 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4070 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2938 |
| Document Number | 0039911389 |
|---|---|
| Date | Aug 18, 2020 |
| Book Page | 3991/1389 |
| Instrument | 202041971 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4070 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2938 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0038711103 |
|---|---|
| Date | Sep 18, 2019 |
| Book Page | 3871/1103 |
| Instrument | 201941844 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 11904 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4070 SANDY BLUFF DR W, GULF BREEZE, FL 32563-2938 |
| Document Number | 0037881802 |
| Instrument Date | Oct 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4070 SANDY BLUFF DR W GULF BREEZE FL 325632938, GULF BREEZE, FL 32563-2938 |
| Document Number | 0037881802 |
|---|---|
| Date | Dec 10, 2018 |
| Book Page | 003788/001802 |
| Instrument | 52170 |
| Name | UNIVERSITY LNDG |
|---|---|
| Address | SOUTHFIELD, MI 48034 |
| Amount | Amount Recorded |
|---|---|
| Term | 336 Months |
| Due | Dec 9, 2046 |
| Rate | 4.87% |
|---|
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 | $732.00 Homeowner's exemption Veteran's exemption | $707,342 (+2.9%) | $892,390 (+2.98%) Land $273,000 Building $619,390 |
| 2024 | $732.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $687,407 (+3%) | $866,530 (+1.56%) Land $273,000 Building $593,530 |
| 2023 | Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $667,385 | $853,232 Land $273,000 Building $580,232 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 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 | 0.01% 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 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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