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6194 E Bay Blvd, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 6194 E Bay Blvd, Gulf Breeze, FL 32563

Property Summary

Property TypeSingle Family Home
Details6 bd · 6 ba · 4,220 sqft · built 2023
Lot Size0.645 acres (28,125 sqft)
OwnerIndividual Name on File
Last Sale$181,500 (Jan 2021)
Tax Bill$14,871 (2024)
Deeds & MortgagesFeb 2022 Construction Loan
Jan 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN08-2S-27-2140-00100-0230

Property Details

APN / Parcel Number

Primary APN08-2S-27-2140-00100-0230

Interior

Bedrooms6 Beds
Full Baths6 Baths
Stories3 Stories
Building Area4,220 sqft Heated Area
Gross Area8,416 sqft
1st Floor Area4,220 sqft
Upper Floors Area2,004 sqft
FlooringLaminate Plank
Interior WallsCustom/Decorative

Exterior

Year BuiltBuilt 2023
Exterior MaterialFiber Cement Siding
Foundation TypePier/Post & Beam
Roof MaterialMetal
Lot Area28,125 sqft (0.645 acres)
Lot Dimensions3,750 ft deep x 750 ft wide
Garage TypeCarport
CarportCarport
PorchOpen Porch
Porch Area230 sqft
Deck Area792 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number082S272140001000230
Street Address6194 E BAY BLVD
CityGULF BREEZE
StateFL
Zip32563-9727
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionLAGNIAPPE BEACH W 75 FT LOT 23 BLK 1 AS DES OR 4054 PG 561 & IN OR 4054 PG 561
Legal Range27W
Legal Township02S
Legal Section08
Legal SubdivisionLAGNIAPPE BEACH/ALL
Legal Block1
Legal Lot Number23
JurisdictionSANTA ROSA FL
Township / Civil DivisionMIDWAY
Census Block Group1
Census Block1006
Census Tract10820

Owner

6194 E Bay Blvd is owned by an individual who bought it in January 2021.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address5508 HEATHROW DR, KNOXVILLE, TN 37919-8964
Owner TypeIndividual

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

DateDocument
Feb 17, 2022Deed of Trust, Mortgage · Construction Mortgage
MOUNTAIN COMMERCE BANK
Jan 8, 2021Warranty Deed, Transfer · Stand-Alone First Mortgage
MOUNTAIN COMMERCE BANK
Jan 8, 2021Personal Representative Deed, Transfer
EMERALD COAST TITLE INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 8, 2021 · Amount on File
Deed SaleJan 8, 2021 · Amount on File
Prior SaleJan 8, 2021
Deed Document Number202101453
Deed Book / Page4054 / 562
Record UpdatedJun 8, 2026

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address6194 E BAY BLVD, GULF BREEZE, FL 32563-9727
Transaction TypeMortgage
Record UpdatedApr 16, 2024
Title CompanyEMERALD COAST TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address5508 HEATHROW DR, KNOXVILLE, TN 37919-8964

Mortgage

Document Number0042471099
DateFeb 17, 2022
Book Page4247/1099
Instrument202209589
Lender
NameMOUNTAIN COMMERCE BANK
TypeBank
AddressJOHNSON CITY, TN 37615
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term192 Months
DueFeb 11, 2038

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJan 8, 2021
Property Address6194 E BAY BLVD, GULF BREEZE, FL 32563-9727
Document Number0040540562
Book / Page4054 / 562
Map ReferenceMB A PG 99
Instrument DateDec 31, 2020
Instrument202101453
Transaction TypeTransfer
Record UpdatedApr 16, 2024
Title CompanyEMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,270.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address505 HARBOR APPROACH, JOHNSON CITY, TN 37601-3151

Transferred To (Grantee/Buyer)

NameVerified Name
Address5508 HEATHROW DR, KNOXVILLE, TN 37919-8964

Mortgage

Document Number0004054564
DateJan 8, 2021
Instrument4054/564
Lender
NameMOUNTAIN COMMERCE BANK
TypeBank
Agreement
TypeStand-Alone First Mortgage
AmountAmount on Record
Term36 Months
DueJan 1, 2024

January 2021: Personal Representative Deed, Transfer

Document TypePersonal Representative Deed
JurisdictionSANTA ROSA FL
Recording DateJan 8, 2021
Property Address6194 E BAY BLVD, GULF BREEZE, FL 32563-9727
Document Number0040540561
Book / Page4054 / 561
Map ReferenceMB A PG 99
Instrument DateDec 31, 2020
Instrument202101452
Transaction TypeTransfer
Record UpdatedApr 16, 2024
Title CompanyEMERALD COAST TITLE INC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1909 RAVEL DR, VIRGINIA BEACH, VA 23454-6634

Transferred To (Grantee/Buyer)

NameVerified Name
Address5508 HEATHROW DR, KNOXVILLE, TN 37919-8964

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2024$14,871.00 (+460.96%)$1,214,001 (+460.87%) Land $216,450 Building $997,551$1,214,001 (+460.87%) Land $216,450 Building $997,551
2023$2,651.00 (+8.2%)$216,450 (+8.33%) Land $216,450$216,450 (+8.33%) Land $216,450
2022$2,450.00$199,800$199,800 Land $199,800

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

Flood

FEMA maps place 6194 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 311 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies311 in force
Nearby Flood Claims49 (1995–2020)
Claims Outside the SFHA1 of 49
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Hurricane Sally, Sep 2020 · 35 claims
  • Hurricane Frances, Sep 2004 · 11 claims
  • Hurricane Opal, Oct 1995 · 2 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 6194 E Bay Blvd is high, ranking above 75% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire RiskHigh
above 75% of the US · above 62% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
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 SystemMIDWAY WATER SYSTEM, INC.
serves 21,196 people · EPA ID FL1570470
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 25 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Mediacom Xtream
Cable		1,000 / 50

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