Santa Rosa County property record for 5570 Millbend Pl, Gulf Breeze, FL 32563
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,023 sqft · built 2002 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Dec 2020) |
| Tax Bill | $1,503 (2024) |
| Deeds & Mortgages | Aug 2023 Line of Credit Dec 2020 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-2S-27-4938-00A00-0420 |
| Primary APN | 19-2S-27-4938-00A00-0420 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,023 sqft Living Area |
| Gross Area | 1,271 sqft |
| 1st Floor Area | 1,023 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 5,009 sqft (0.115 acres) |
| View / Lot | Lake |
| Porch | Florida Room |
|---|---|
| Porch Area | 152 sqft |
| Deck Area | 96 sqft |
| Patio Area | 200 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5570 MILLBEND PL |
|---|---|
| City | GULF BREEZE |
| State | FL |
| Zip | 32563-7600 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | SHADOW LAKES UNIT I LOT 42 BLK A AS DES IN OR 4039 PG 1383 |
| Legal Range | 27W |
| Legal Township | 2S |
| Legal Section | 19 |
| Legal Subdivision | SHADOW LAKES I II & |
| Legal Block | A |
| Legal Lot Number | 42 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | MIDWAY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 10823 |
5570 Millbend Pl is owned and occupied by an individual who bought it in December 2020.
Source: Santa Rosa County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5570 MILLBEND PL, GULF BREEZE, FL 32563-7600 |
| 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 |
|---|---|
| Aug 2, 2023 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Dec 8, 2020 | Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY LENDING GROUP LLC |
| Oct 30, 2019 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Jun 4, 2018 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Apr 8, 2017 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 8, 2020 · Amount on File |
| Deed Sale | Dec 8, 2020 · Amount on File |
| Prior Sale | Dec 4, 2008 · Amount on File |
| Deed Document Number | 202065886 |
| Deed Book / Page | 4039 / 1383 |
| Prior Transfer Date | Feb 24, 2009 |
| Prior Transfer Doc | 0028891376 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 5570 MILLBEND PL, GULF BREEZE, FL 32563-7600 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5570 MILLBEND PL, GULF BREEZE, FL 32563-7600 |
| Document Number | 0044201704 |
|---|---|
| Date | Aug 2, 2023 |
| Book Page | 4420/1704 |
| Instrument | 202334685 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 12, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Dec 8, 2020 |
| Property Address | 5570 MILLBEND PL, GULF BREEZE, FL 32563-7600 |
| Document Number | 0040391383 |
| Book / Page | 4039 / 1383 |
| Map Reference | MB G PG 29 |
| Instrument Date | Dec 4, 2020 |
| Instrument | 202065886 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | EMERALD COAST TTL INC GULF B |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8074 SW 107TH PL, 8074, OCALA, FL 34481-9139 |
| Name | Verified Name |
|---|---|
| Address | 5570 MILLBEND PL, GULF BREEZE, FL 32563-7600 |
| Document Number | 0040391385 |
|---|---|
| Date | Dec 8, 2020 |
| Book Page | 4039/1385 |
| Instrument | 202065887 |
| Name | UNIVERSITY LENDING GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | SOUTHFIELD, MI 48034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 5570 MILLBEND PL, GULF BREEZE, FL 32563-7600 |
| Document Number | 0038861576 |
| Instrument Date | Oct 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5570 MILLBEND PL GULF BREEZE FL 325637600, GULF BREEZE, FL 32563-7600 |
| Document Number | 0038861576 |
|---|---|
| Date | Nov 4, 2019 |
| Book Page | 003886/001576 |
| Instrument | 49571 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 3, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 5570 MILLBEND PL, GULF BREEZE, FL 32563-7600 |
| Document Number | 0037360596 |
| Instrument Date | Jun 4, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5570 MILLBEND PL GULF BREEZE FL 325637600, GULF BREEZE, FL 32563-7600 |
| Document Number | 0037360596 |
|---|---|
| Date | Jun 8, 2018 |
| Book Page | 003736/000596 |
| Instrument | 24018 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 7, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 5570 MILLBEND PL, GULF BREEZE, FL 32563-7600 |
| Document Number | 0036150165 |
| Book / Page | 003615 / 000165 |
| Instrument Date | Apr 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5570 MILLBEND PL GULF BREEZE FL 325637600, GULF BREEZE, FL 32563-7600 |
| Document Number | 0036150165 |
|---|---|
| Date | Apr 13, 2017 |
| Book Page | 003615/000165 |
| Instrument | 14425 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 12, 2047 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $175,008 (+2.9%) | $226,572 (+7.56%) Land $60,500 Building $166,072 | |
| 2024 | $1,503.00 (+3.8%) Homeowner's exemption Senior Citizen's exemption | $170,075 (+3%) | $210,639 (+6.59%) Land $60,500 Building $150,139 |
| 2023 | $1,448.00 (-14.87%) Homeowner's exemption | $165,121 (+3%) | $197,621 (+17.09%) Land $55,000 Building $142,621 |
| 2022 | $1,701.00 Homeowner's exemption | $160,312 | $168,777 Land $41,800 Building $126,977 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5570 Millbend Pl 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 November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 102 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 102 in force |
| Nearby Flood Claims | 22 (1995–2020) |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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 5570 Millbend Pl is moderate, ranking above 40% of the US, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 127 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Ripple Broadband Fixed Wireless | 1,000 / 500 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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