Gulf County property record for 544 Widewater Cir, Wewahitchka, FL 32465
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,561 sqft · built 2022 |
| Lot Size | 1.17 acres (50,965 sqft) |
| Owner | Individual Name on File |
| Last Sale | $33,500 (Apr 2021) |
| Tax Bill | $2,873 (2025) |
| Deeds & Mortgages | Nov 2022 Mortgage Apr 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 03450-350R |
| Primary APN | 03450-350R |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,561 sqft Total Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 50,965 sqft (1.17 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 544 WIDEWATER CIR |
|---|---|
| City | WEWAHITCHKA |
| State | FL |
| Zip | 32465-6339 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | WETAPPO SUB PB 5 PGE 36 LOT 70 ORB 725/798 FR SMILEY |
| Legal Range | 11W |
| Legal Township | 05S |
| Legal Section | 34 |
| Legal Subdivision | WETAPPO SUB |
| Legal Lot Number | 70 |
| Jurisdiction | GULF FL |
| Township / Civil Division | WEWAHITCHKA |
| Census Block Group | 2 |
| Census Block | 2090 |
| Census Tract | 960102 |
544 Widewater Cir is owned and occupied by an individual who bought it in April 2021.
Source: Gulf County records, as of January 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 544 WIDEWATER CIR, WEWAHITCHKA, FL 32465-6339 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK |
| Apr 29, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2021 · Amount on File |
| Deed Sale | Apr 30, 2021 · Amount on File |
| Prior Sale | Dec 22, 2009 · Amount on File |
| Deed Document Number | 0000725798 |
| Deed Book / Page | 725 / 798 |
| Prior Transfer Date | Apr 29, 2021 |
| Prior Transfer Doc | 0023003500 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GULF FL |
| Property Address | 544 WIDEWATER CIR, WEWAHITCHKA, FL 32465-6339 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2024 |
| Name | Verified Name |
|---|---|
| Address | 544 WIDEWATER CIR, WEWAHITCHKA, FL 32465-6339 |
| Document Number | 0023008626 |
|---|---|
| Date | Nov 2, 2022 |
| Book Page | 781/956 |
| Instrument | 202223008626 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Nov 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 6.5% |
| Index | 1-Year T-Bill |
| Max Rate | 10.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GULF FL |
| Recording Date | Apr 29, 2021 |
| Property Address | 544 WIDEWATER CIR, WEWAHITCHKA, FL 32465-6339 |
| Document Number | 0023003500 |
| Book / Page | 725 / 798 |
| Map Reference | MB 5 PG 36-42 |
| Instrument Date | Apr 29, 2021 |
| Instrument | 202123003500 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $234.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 523 6TH ST, PORT SAINT JOE, FL 32456-1731 |
| Name | Verified Name |
|---|---|
| Address | 32240 70TH AVE, CUSHING, MN 56443-2232 |
The 2025 property tax bill for 544 Widewater Cir was $2,873 with a homeowner's exemption.
Source: Gulf County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Gulf County |
| Unified School District | Gulf County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,873.00 Homeowner's exemption | $289,917 (+2.9%) | $361,649 (+25.62%) Land $32,500 Building $329,149 |
| 2024 | $2,873.00 (-1.81%) Homeowner's exemption | $281,746 (+3%) | $287,901 (+5.25%) Land $42,250 Building $245,651 |
| 2023 | $2,926.00 (+530.6%) Homeowner's exemption | $273,540 (+659.83%) Land $30,000 Building $243,540 | $273,540 (+659.83%) Land $30,000 Building $243,540 |
| 2022 | $464.00 | $36,000 Land $36,000 | $36,000 Land $36,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 544 Widewater Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective December 7, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 49 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 49 in force |
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 risk around 544 Widewater Cir is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 62% of the US · lower than 62% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber | 1,000 / 1,000 |
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