6446 E Bay Blvd, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 6446 E Bay Blvd, Gulf Breeze, FL 32563

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,536 sqft · built 1993
Lot Size	1.14 acres (49,963 sqft)
Owner	2 Individual Names on File
Last Sale	$925,000 (May 2025)
Tax Bill	$11,381 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`08-2S-27-2140-00400-0020`

Property Details

APN / Parcel Number

Primary APN	`08-2S-27-2140-00400-0020`
Alternative APN	`S272082140004000020`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	4,536 sqft Living Area
Gross Area	7,462 sqft
1st Floor Area	2,662 sqft
Upper Floors Area	784 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Metal
Lot Area	49,963 sqft (1.14 acres)
Lot Dimensions	500 ft deep x 100 ft wide
View / Lot	Bay
Garage Type	Carport
Garage Area	306 sqft
Carport	Carport
Carport Area	306 sqft

Exterior Amenities

Porch	Slab
Porch Area	1,212 sqft
Deck Area	152 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6446 E BAY BLVD
City	GULF BREEZE
State	FL
Zip	32563-9734
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 2 BLK 4 LAGNIAPPE BEACH ADD PB A PG 99-100 AS DES IN OR 4621 PG 176
Legal Range	27W
Legal Township	2S
Legal Section	08
Legal Subdivision	LAGNIAPPE BEACH/ALL
Legal Block	4
Legal Lot Number	2
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MIDWAY
Census Block Group	1
Census Block	1006
Census Tract	10820

Owner

6446 E Bay Blvd is owned by two individuals who bought it in May 2025.

Source: Santa Rosa County records, as of September 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4321 JELINEK DR, MILTON, FL 32583-3203
Owner Type	Individual
Vesting	His Wife

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
Jul 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage SERVISFIRST BANK
Dec 21, 2021	Warranty Deed, Transfer · Conventional Mortgage PEN AIR FEDERAL CU
Aug 19, 2021	Warranty Deed, Transfer SURETY LAND TITLE/FL LLC, SURETY LAND TITLE OF FL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2025 · Amount on File
Deed Sale	May 30, 2025 · Amount on File
Prior Sale	Dec 21, 2021 · Amount on File
Deed Document Number	202524343
Deed Book / Page	4621 / 176
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 29, 2026
Property Address	6446 E BAY BLVD, GULF BREEZE, FL 32563-9734
Document Number	0000038234
Book / Page	4772 / 1405
Instrument Date	Jul 24, 2026
Instrument	202638234
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6446 E BAY BLVD, GULF BREEZE, FL 32563-9734

Mortgage

Document Number	0000038234,
Date	Jul 29, 2026
Book Page	4772/1405
Instrument	202638234

Lender

Name	SERVISFIRST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 21, 2021
Property Address	6446 E BAY BLVD, GULF BREEZE, FL 32563-9734
Document Number	0042231314
Book / Page	4223 / 1314
Map Reference	MB A PG 99&100
Instrument Date	Dec 10, 2021
Instrument	202184191
Transaction Type	Transfer
Record Updated	Feb 4, 2022
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4701 LEO ST, 4701, PASCAGOULA, MS 39567-1657

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1403 CHAMPIONS GREEN DR, GULF BREEZE, FL 32563-3575

Mortgage

Document Number	0042231316
Date	Dec 21, 2021
Instrument	4223/1316

Lender

Name	PEN AIR FEDERAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 19, 2021
Property Address	6446 E BAY BLVD, GULF BREEZE, FL 32563-9734
Document Number	0041651569
Book / Page	4165 / 1569
Map Reference	MB A PG 100
Instrument Date	Jun 17, 2021
Instrument	202155823
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	SURETY LAND TITLE/FL LLC, SURETY LAND TITLE OF FL LLC

Transaction

Amount	Amount on Record
Tax	$1,414.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	115 QUIET VIEW LN, 115, MURPHY, NC 28906-4038

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1427 MARKET ST, TALLAHASSEE, FL 32312-1725
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 6446 E Bay Blvd was $11,381, up 18.3% from the year before.

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	$11,381.00 (+18.26%)	$886,950 (+14.92%) Land $301,600 Building $585,350	$886,950 (+4.24%) Land $301,600 Building $585,350
2024	$9,624.00 (-3.35%) Homeowner's exemption	$771,766 (+3%)	$850,890 (+0.47%) Land $301,600 Building $549,290
2023	$9,958.00 (+2.3%) Homeowner's exemption	$749,287 (+3%)	$846,901 (+5.49%) Land $301,600 Building $545,301
2022	$9,734.00 Homeowner's exemption	$727,463	$802,810 Land $278,400 Building $524,410

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

Flood

FEMA maps place 6446 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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 6446 E Bay Blvd is high, ranking above 80% 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 Risk	High above 80% of the US · above 70% of Florida
Wildfire Likelihood	0.3% 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 32 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

Cell Coverage

5G and 4G LTE (outdoors only)

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