4370 Clair Ct, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 4370 Clair Ct, Gulf Breeze, FL 32563

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,609 sqft · built 2002
Lot Size	0.228 acres (9,932 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Mar 2023)
Tax Bill	$3,441 (2024)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-2S-28-4720-00D00-0280`

Property Details

APN / Parcel Number

Primary APN	`27-2S-28-4720-00D00-0280`
Alternative APN	`S28227472000D000280`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,609 sqft Living Area
Gross Area	2,422 sqft
1st Floor Area	1,609 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	9,932 sqft (0.228 acres)
Garage Type	Attached
Garage Area	502 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	59 sqft
Patio Area	252 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4370 CLAIR CT
City	GULF BREEZE
State	FL
Zip	32563-9139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SANTA ROSA SHORES EAST LOT 28 BLK D AS DES IN OR 4376 PG 938
Legal Range	28W
Legal Township	2S
Legal Section	27
Legal Subdivision	SR SHORES EAST
Legal Block	D
Legal Lot Number	28
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MIDWAY
Census Block Group	4
Census Block	4007
Census Tract	10814

Owner

Source: Santa Rosa County records, as of May 21, 2026

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	4370 CLAIR CT, GULF BREEZE, FL 32563-9139
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE ONE OF THE SOUTH INC
Jan 22, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Feb 20, 2019	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Aug 26, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2023 · Amount on Record
Deed Sale	Mar 17, 2023 · Amount on Record
Prior Sale	Jan 30, 2003 · Amount on Record
Deed Document Number	202311328
Deed Book / Page	4376 / 938
Prior Transfer Date	Aug 25, 2020
Prior Transfer Doc	0039960019
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 17, 2023
Property Address	4370 CLAIR CT, GULF BREEZE, FL 32563-9139
Document Number	0043760938
Book / Page	4376 / 938
Map Reference	MB B PG 138
Instrument Date	Mar 17, 2023
Instrument	202311328
Transaction Type	Transfer
Record Updated	Apr 18, 2023
Title Company	MEAD LAW & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 168, THERMOPOLIS, WY 82443-0168

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4370 CLAIR CT, GULF BREEZE, FL 32563-9139

Mortgage

Document Number	0043760940
Date	Mar 17, 2023
Book Page	4376/940
Instrument	202311329

Lender

Name	MORTGAGE ONE OF THE SOUTH INC
Type	Mortgage Company
Address	FORT WALTON BEACH, FL 32548

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4370 CLAIR CT, GULF BREEZE, FL 32563-9139
Transaction Type	Mortgage
Record Updated	Mar 18, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040591669
Date	Jan 22, 2021
Book Page	4059/1669
Instrument	202104158

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4370 CLAIR CT, GULF BREEZE, FL 32563-9139
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038041902
Date	Feb 20, 2019
Book Page	3804/1902
Instrument	201906357

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 26, 2020
Property Address	4370 CLAIR CT, GULF BREEZE, FL 32563-9139
Document Number	0039960019
Book / Page	003996 / 000019
Instrument Date	Aug 25, 2020
Instrument	44096
Transaction Type	Transfer
Record Updated	Oct 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	PO BOX 168 THERMOPOLIS WY 824430168, THERMOPOLIS, WY 82443-0168

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		$288,780 (+7.59%) Land $55,000 Building $233,780	$288,780 (+7.59%) Land $55,000 Building $233,780
2024	$3,441.00 (-9.38%)	$268,417 (-0.71%) Land $60,000 Building $208,417	$268,417 (-0.71%) Land $60,000 Building $208,417
2023	$3,797.00 (+192.75%)	$270,324 (+97.65%) Land $55,000 Building $215,324	$270,324 (+5.22%) Land $55,000 Building $215,324
2022	$1,297.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$136,771	$256,925 Land $55,000 Building $201,925

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
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	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

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

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.08% 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 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cox Communications, Ripple Broadband.

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