6040 E Bay Blvd, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 6040 E Bay Blvd, Gulf Breeze, FL 32563

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,980 sqft · built 2022
Lot Size	1.46 acres (63,990 sqft)
Owner	2 Individual Names on File
Last Sale	$395,000 (Jul 2019)
Tax Bill	$8,462 (2024)
Deeds & Mortgages	Sep 2022 Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`08-2S-27-2140-00100-0030`

Property Details

APN / Parcel Number

Primary APN	`08-2S-27-2140-00100-0030`
Alternative APN	`S272082140001000030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,980 sqft Living Area
Gross Area	3,087 sqft
1st Floor Area	547 sqft
Upper Floors Area	1,039 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	63,990 sqft (1.46 acres)
Lot Dimensions	320 ft deep x 200 ft wide
Garage Type	Attached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6040 E BAY BLVD
City	GULF BREEZE
State	FL
Zip	32563-9725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAGNIAPPE BEACH LOTS 3 & 4 BLK 1 AS DES IN OR 3850 PG 1720
Legal Subdivision	LAGNIAPPE BEACH/ALL
Legal Block	1
Legal Lot Number	3
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MIDWAY
Census Block Group	1
Census Block	1002
Census Tract	10823

Owner

6040 E Bay Blvd is owned and occupied by two individuals who bought it in July 2019.

Source: Santa Rosa County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	6040 E BAY BLVD, GULF BREEZE, FL 32563-9725
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK
Jul 17, 2019	Warranty Deed, Transfer · Commercial Mortgage CENTENNIAL BANK
Feb 22, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2019 · Amount on File
Deed Sale	Jul 17, 2019 · Amount on File
Prior Sale	Feb 4, 2008 · Amount on File
Deed Document Number	201930839
Deed Book / Page	3850 / 1720
Prior Transfer Date	Feb 12, 2019
Prior Transfer Doc	0038051679
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6040 E BAY BLVD, GULF BREEZE, FL 32563-9725
Transaction Type	Mortgage
Record Updated	Mar 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6040 E BAY BLVD, GULF BREEZE, FL 32563-9725

Mortgage

Document Number	0043251701
Date	Sep 13, 2022
Book Page	4325/1701
Instrument	202252905

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 17, 2019
Property Address	6040 E BAY BLVD, GULF BREEZE, FL 32563-9725
Document Number	0038501720
Book / Page	3850 / 1720
Map Reference	MB A PG 99&100
Instrument Date	Jul 11, 2019
Instrument	201930839
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1354 BROWNTOWN RD, 1354, ROCKMART, GA 30153-6348

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6528 FAIRMONT ST, NAVARRE, FL 32566-8173

Mortgage

Document Number	0038501722
Date	Jul 17, 2019
Instrument	3850/1722

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	36 Months
Due	Jul 11, 2022

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Feb 22, 2019
Property Address	6040 E BAY BLVD, GULF BREEZE, FL 32563-9725
Document Number	0038051679
Book / Page	003805 / 001679
Instrument Date	Feb 12, 2019
Instrument	6891
Transaction Type	Transfer
Record Updated	Aug 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1354 BROWNTOWN RD ROCKMART GA 301536348, ROCKMART, GA 30153-6348

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		$756,870 (+2.9%)	$802,324 (+0.91%) Land $505,440 Building $296,884
2024	$8,462.00 (-10.59%) Homeowner's exemption	$735,539 (+3%)	$795,096 (+0.65%) Land $505,440 Building $289,656
2023	$9,464.00 (+65.43%)	$714,116 (+53.06%)	$789,950 (+69.31%) Land $505,440 Building $284,510
2022	$5,721.00	$466,560	$466,560 Land $466,560

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 6040 E Bay Blvd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
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	Hurricane Sally, Sep 2020 · 12 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 2 claims Hurricane Frances, Sep 2004 · 5 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

Wildfire risk around 6040 E Bay Blvd is high, ranking above 70% 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	High above 70% of the US · above 52% 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.

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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Ripple Broadband.

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