Santa Rosa County property record for 4228 Sandy Bluff Dr E, Gulf Breeze, FL 32563
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,369 sqft · built 1991 |
| Lot Size | 0.583 acres (25,395 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,010,000 (Apr 2026) |
| Tax Bill | $7,972 (2024) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-2S-28-0180-00C00-0060 |
| Primary APN | 27-2S-28-0180-00C00-0060 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,369 sqft Living Area |
| Gross Area | 3,670 sqft |
| 1st Floor Area | 2,369 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 25,395 sqft (0.583 acres) |
| Lot Dimensions | 254 ft deep x 100 ft wide |
| View / Lot | Bay |
| Garage Type | Attached |
| Garage Area | 695 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 72 sqft |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4228 SANDY BLUFF DR E |
|---|---|
| City | GULF BREEZE |
| State | FL |
| Zip | 32563-2942 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | BAL ALEX EST LOT 6 BLK C AS DES IN OR 3897 PG 1694 |
| Legal Range | 28W |
| Legal Township | 2S |
| Legal Section | 27 |
| Legal Subdivision | BAL ALEX ESTATES |
| Legal Block | C |
| Legal Lot Number | 6 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | MIDWAY |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 10814 |
Source: Santa Rosa County records · APN 27-2S-28-0180-00C00-0060
Assessment roll updated December 8, 2025 · Last verified May 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 File |
|---|---|
| Mailing Address | 4228 SANDY BLUFF DR E, GULF BREEZE, FL 32563-2942 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Apr 10, 2026 | Warranty Deed, Transfer · Conventional Mortgage GARDNER FINANCIAL SERVICES |
| Dec 09, 2019 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE TRUST INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 10, 2026 · Amount on Record |
| Deed Sale | Apr 10, 2026 · Amount on Record |
| Prior Sale | Dec 09, 2019 · Amount on Record |
| Deed Document Number | 202617991 |
| Deed Book / Page | 4730 / 2065 |
| Prior Transfer Date | Oct 12, 2004 |
| Prior Transfer Doc | 0023670805 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 10, 2026 |
| Property Address | 4228 SANDY BLUFF DR E, GULF BREEZE, FL 32563-2942 |
| Document Number | 0000017991 |
| Book / Page | 4730 / 2065 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 2026.17991 |
| Transaction Type | Transfer |
| Record Updated | May 07, 2026 |
| Title Company | PENSACOLA TITLE CO LLC, PENSACOLA TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $714,070.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4228 SANDY BLUFF DR E, GULF BREEZE, FL 32563-2942 |
| Document Number | 0000017992, |
|---|---|
| Date | Apr 10, 2026 |
| Instrument | 2026..17992 |
| Name | GARDNER FINANCIAL SERVICES |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Dec 09, 2019 |
| Property Address | 4228 SANDY BLUFF DR E, GULF BREEZE, FL 32563-2942 |
| Document Number | 0038971694 |
| Book / Page | 3897 / 1694 |
| Map Reference | MB B PG 113 |
| Instrument Date | Dec 06, 2019 |
| Instrument | 201955299 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,014.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 347 WESTBROOK RD, 347, SAINT HELENA ISLAND, SC 29920-3002 |
| Name | Verified Name |
|---|---|
| Address | 2111 NASHVILLE ST, CHATSWORTH, CA 91311 |
| Document Number | 0038971697 |
|---|---|
| Date | Dec 09, 2019 |
| Book Page | 3897/1697 |
| Instrument | 201955300 |
| Name | MORTGAGE TRUST INC |
|---|---|
| Type | Mortgage Company |
| Address | PENSACOLA, FL 32503 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2050 |
Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $676,341 (-0.44%) Land $262,600 Building $413,741 | $676,341 (-0.44%) Land $262,600 Building $413,741 | |
| 2024 | $7,972.00 (-6.4%) | $679,315 (+0.56%) Land $262,600 Building $416,715 | $679,315 (+0.56%) Land $262,600 Building $416,715 |
| 2023 | $8,517.00 (+9.09%) | $675,546 (+10.2%) Land $262,600 Building $412,946 | $675,546 (+10.2%) Land $262,600 Building $412,946 |
| 2022 | $7,807.00 | $613,016 | $613,016 Land $252,500 Building $360,516 |
Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), as of November 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121130108144, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 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 |
|
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Mediacom Communications Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 31 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System, water system FL1570470, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MIDWAY WATER SYSTEM, INC. serves 21,196 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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