4098 Oak Pointe Dr, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 4098 Oak Pointe Dr, Gulf Breeze, FL 32563

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,098 sqft · built 2011
Lot Size	0.135 acres (5,881 sqft)
Owner	2 Trust Names on File
Last Sale	$36,500 (Nov 2010)
Tax Bill	$2,529 (2024)
Deeds & Mortgages	Dec 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`27-2S-28-2865-00B00-0150`

Property Details

APN / Parcel Number

Primary APN	`27-2S-28-2865-00B00-0150`
Alternative APN	`S28227286500B000150`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,098 sqft Living Area
Gross Area	3,192 sqft
1st Floor Area	2,098 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	5,881 sqft (0.135 acres)
Lot Dimensions	118 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	590 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4098 OAK POINTE DR
City	GULF BREEZE
State	FL
Zip	32563-8506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	OAK POINTE LOT 15 BLK B AS DES IN OR 3021 PG 1243 & OR 4354 PG 1198
Legal Range	28W
Legal Township	2S
Legal Section	27
Legal Subdivision	OAK POINTE
Legal Block	B
Legal Lot Number	15
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MIDWAY
Census Block Group	4
Census Block	4013
Census Tract	10814

Owner

4098 Oak Pointe Dr is owner-occupied and held in a trust since December 2022.

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

Owner of Record	2 Trust Names on File
Mailing Address	4098 OAK POINTE DR, GULF BREEZE, FL 32563-8506
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2010 · Amount on File
Deed Sale	Nov 24, 2010 · Amount on File
Prior Sale	Jul 5, 2000 · Amount on File
Deed Document Number	201045753
Deed Book / Page	3021 / 1243
Last Transfer Date	Dec 15, 2022
Transfer Doc	0043541198
Record Updated	Jun 8, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 27, 2022
Property Address	4098 OAK POINTE DR, GULF BREEZE, FL 32563-8506
Document Number	0043541198
Book / Page	4354 / 1198
Map Reference	MB G PG 13
Instrument Date	Dec 15, 2022
Instrument	202269624
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4098 OAK POINTE DR, GULF BREEZE, FL 32563-8506

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4098 OAK POINTE DR, GULF BREEZE, FL 32563-8506

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		$218,689 (+2.9%)	$364,093 (+2.12%) Land $65,000 Building $299,093
2024	$2,529.00 (+8.45%) Homeowner's exemption	$212,526 (+3%)	$356,540 (+0.71%) Land $65,000 Building $291,540
2023	$2,332.00 (+2.82%) Homeowner's exemption	$206,336 (+3%)	$354,013 (+2.73%) Land $65,000 Building $289,013
2022	$2,268.00 Homeowner's exemption	$200,326	$344,614 Land $60,000 Building $284,614

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

Flood

FEMA maps place 4098 Oak Pointe Dr in Zone X, an area of minimal flood risk, though there have been 418 flood claims nearby since 1995.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 343 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	343 in force
Nearby Flood Claims	418 (1995–2024)
Claims Outside the SFHA	108 of 418
Most Recent Claim	Dec 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 39 claims Hurricane Frances, Sep 2004 · 218 claims Hurricane Opal, Oct 1995 · 62 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 4098 Oak Pointe Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 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.

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