6366 Red Pepper Dr, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 6366 Red Pepper Dr, Gulf Breeze, FL 32563

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,521 sqft · built 2021
Lot Size	0.224 acres (9,757 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Apr 2026)
Tax Bill	$2,972 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-2S-27-1698-00E00-0020`

Property Details

APN / Parcel Number

Primary APN	`16-2S-27-1698-00E00-0020`
Alternative APN	`S27216169800E000020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,521 sqft Living Area
Gross Area	2,025 sqft
1st Floor Area	1,521 sqft
Flooring	Wood

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	9,757 sqft (0.224 acres)
Lot Dimensions	140 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Florida Room
Porch Area	44 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6366 RED PEPPER DR
City	GULF BREEZE
State	FL
Zip	32563-9776
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 2 BLK E HEATHERS PLACE PHASE TWO AS DES IN OR 4206 PG 653 & AS DES IN OR 4568 PG 289
Legal Range	27W
Legal Township	2S
Legal Section	16
Legal Subdivision	HEATHERS PLACE PHS 2
Legal Block	E
Legal Lot Number	2
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MIDWAY
Census Block Group	1
Census Block	1030
Census Tract	10820

Owner

Source: Santa Rosa County records, as of July 2, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	6366 RED PEPPER DR, GULF BREEZE, FL 32563-9776
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR
Apr 8, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR
Nov 10, 2021	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY LENDING GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2026 · Amount on Record
Deed Sale	Apr 8, 2026 · Amount on Record
Prior Sale	Nov 10, 2021 · Amount on Record
Deed Document Number	202617419
Deed Book / Page	4729 / 1655
Prior Transfer Date	Dec 3, 2024
Prior Transfer Doc	0045680289
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 8, 2026
Property Address	6366 RED PEPPER DR, GULF BREEZE, FL 32563-9776
Document Number	0047291655
Book / Page	4729 / 1655
Instrument Date	Apr 7, 2026
Instrument	202617419
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	FOUNDATION TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$272,195.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6366 RED PEPPER DR, GULF BREEZE, FL 32563-9776

Mortgage

Document Number	0000017420,
Date	Apr 8, 2026
Instrument	202617420

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 8, 2026
Property Address	6366 RED PEPPER DR, GULF BREEZE, FL 32563-9776
Document Number	0000017419
Book / Page	4729 / 1655
Instrument Date	Apr 7, 2026
Instrument	202617419
Transaction Type	Transfer
Record Updated	Apr 23, 2026
Title Company	FOUNDATION TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$272,195.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6366 RED PEPPER DR, GULF BREEZE, FL 32563-9776

Mortgage

Document Number	0000017420,
Date	Apr 8, 2026
Instrument	202617420

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 10, 2021
Property Address	6366 RED PEPPER DR, GULF BREEZE, FL 32563-9776
Document Number	0042060653
Book / Page	4206 / 653
Map Reference	MB 12 PG 96-99
Instrument Date	Nov 9, 2021
Instrument	202175462
Transaction Type	Transfer
Record Updated	Mar 14, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,220.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1608 SW 129TH ST, OKLAHOMA CITY, OK 73170-5016

Mortgage

Document Number	0004206656
Date	Nov 10, 2021
Instrument	4206/656

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

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	$2,972.00 (+2.94%)	$267,362 (+2.9%)	$277,855 (+3.64%) Land $65,000 Building $212,855
2024	$2,887.00 (-3.02%) Homeowner's exemption	$259,827 (+3%)	$268,085 (+2.54%) Land $60,000 Building $208,085
2023	$2,977.00 (+2.69%) Homeowner's exemption	$252,259 (+3%)	$261,433 (+6.75%) Land $55,000 Building $206,433
2022	$2,899.00 Homeowner's exemption	$244,912	$244,912 Land $50,000 Building $194,912

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 311 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	311 in force
Nearby Flood Claims	49 (1995–2020)
Claims Outside the SFHA	1 of 49
Most Recent Claim	Sep 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

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

Wildfire Risk	Moderate above 67% of the US · above 45% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Fiber · Cable	2,000 / 1,000
Ripple Broadband Fixed Wireless	350 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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