4972 Berkeley Forest Blvd, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 4972 Berkeley Forest Blvd, Gulf Breeze, FL 32563

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,285 sqft · built 2003
Lot Size	0.264 acres (11,543 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Apr 2020)
Tax Bill	$3,014 (2024)
Deeds & Mortgages	Apr 2022 Mortgage Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-2S-28-0344-00C00-0030`

Property Details

APN / Parcel Number

Primary APN	`26-2S-28-0344-00C00-0030`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,285 sqft Heated Area
Gross Area	2,972 sqft
1st Floor Area	2,726 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	11,543 sqft (0.264 acres)
Lot Dimensions	1,430 ft deep x 720 ft wide
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	112 sqft
Patio Area	134 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	262S28034400C000030
Street Address	4972 BERKELEY FOREST BLVD
City	GULF BREEZE
State	FL
Zip	32563-8947
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BERKELEY FOREST LOT 3 BLK C AS DES IN OR 3938 PG 926
Legal Range	28W
Legal Township	02S
Legal Section	26
Legal Subdivision	BERKELEY FOREST
Legal Block	C
Legal Lot Number	3
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MIDWAY
Census Block Group	2
Census Block	2037
Census Tract	10823

Owner

Source: Santa Rosa County records, as of October 27, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4972 BERKELEY FOREST BLVD, GULF BREEZE, FL 32563-8947
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Dec 30, 2021	Deed of Trust, Mortgage · FHA Mortgage LOWER LLC
Jan 27, 2021	Deed of Trust, Mortgage · FHA Mortgage HOMESIDE FINANCIAL LLC
Apr 13, 2020	Warranty Deed, Transfer · FHA Mortgage INTERLINC MORTGAGE SERVICES LLC
Jan 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2020 · Amount on Record
Deed Sale	Apr 13, 2020 · Amount on Record
Prior Sale	Mar 28, 2003 · Amount on Record
Deed Document Number	202017438
Deed Book / Page	3938 / 926
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4972 BERKELEY FOREST BLVD, GULF BREEZE, FL 32563-8947
Transaction Type	Mortgage
Record Updated	May 10, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4972 BERKELEY FOREST BLVD, GULF BREEZE, FL 32563-8947

Mortgage

Document Number	0042701073
Date	Apr 12, 2022
Book Page	4270/1073
Instrument	202222053

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4972 BERKELEY FOREST BLVD, GULF BREEZE, FL 32563-8947
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4972 BERKELEY FOREST BLVD, GULF BREEZE, FL 32563-8947

Mortgage

Document Number	0042280737
Date	Dec 30, 2021
Book Page	4228/737
Instrument	202186305

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4972 BERKELEY FOREST BLVD, GULF BREEZE, FL 32563-8947
Transaction Type	Mortgage
Record Updated	Mar 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4972 BERKELEY FOREST BLVD, GULF BREEZE, FL 32563-8947

Mortgage

Document Number	0040611825
Date	Jan 27, 2021
Book Page	4061/1825
Instrument	202105131

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

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

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 13, 2020
Property Address	4972 BERKELEY FOREST BLVD, GULF BREEZE, FL 32563-8947
Document Number	0039380926
Book / Page	3938 / 926
Map Reference	MB H PG 18
Instrument Date	Mar 25, 2020
Instrument	202017438
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4972 BERKELEY FOREST BLVD, GULF BREEZE, FL 32563-8947

Mortgage

Document Number	0003938929
Date	Apr 13, 2020
Instrument	3938/929

Lender

Name	INTERLINC MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4972 BERKELEY FOREST BLVD, GULF BREEZE, FL 32563-8947
Document Number	0036940698
Instrument Date	Jan 6, 2018
Transaction Type	Mortgage
Record Updated	Mar 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4972 BERKELEY FOREST BLVD GULF BREEZE FL 325638947, GULF BREEZE, FL 32563-8947

Mortgage

Document Number	0036940698
Date	Jan 16, 2018
Book Page	003694/000698
Instrument	1632

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 15, 2048

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$3,014.00 (+1.21%) Homeowner's exemption	$259,934 (+3%)	$324,657 (+2.19%) Land $75,000 Building $249,657
2023	$2,978.00 (+2.65%) Homeowner's exemption	$252,363 (+3%)	$317,691 (+2.81%) Land $70,000 Building $247,691
2022	$2,901.00 Homeowner's exemption	$245,013	$308,993 Land $65,000 Building $243,993

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 260 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	260 in force
Nearby Flood Claims	20 (1995–2023)
Claims Outside the SFHA	7 of 20
Most Recent Claim	Jun 2023 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 5 claims Hurricane Frances, Sep 2004 · 7 claims Hurricane Opal, Oct 1995 · 4 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 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 158 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
Ripple Broadband Fixed Wireless	350 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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