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6449 Arbor Ln, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 6449 Arbor Ln, Gulf Breeze, FL 32563

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,472 sqft · built 1998
Lot Size0.251 acres (10,934 sqft)
OwnerIndividual Name on Record
Last Sale$315,000 (May 2025)
Tax Bill$1,488 (2024)
Deeds & MortgagesNov 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN16-2S-27-3014-00F00-0110

Property Details

APN / Parcel Number

Primary APN16-2S-27-3014-00F00-0110
Alternative APN
  • S27216301400F000110

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,472 sqft Living Area
Gross Area2,041 sqft
1st Floor Area1,472 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 2008
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area10,934 sqft (0.251 acres)
Lot Dimensions135 ft deep x 81 ft wide
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area49 sqft
Patio Area100 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address6449 ARBOR LN
CityGULF BREEZE
StateFL
Zip32563-9756
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionPALMETTO RIDGE LOT 11 BLK F AS DES IN OR 4616 PGS 1308
Legal Range27W
Legal Township2S
Legal Section16
Legal SubdivisionPALMETTO RIDGE
Legal BlockF
Legal Lot Number11
JurisdictionSANTA ROSA FL
Township / Civil DivisionMIDWAY
Census Block Group1
Census Block1048
Census Tract10820

Owner

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

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

Owner of RecordIndividual Name on Record
Mailing Address6449 ARBOR LN, GULF BREEZE, FL 32563-9756
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 19, 2025 · Amount on Record
Deed SaleMay 19, 2025 · Amount on Record
Prior SaleOct 19, 2015 · Amount on Record
Deed Document Number202522089
Deed Book / Page4616 / 1308
Prior Transfer DateSep 18, 2015
Prior Transfer Doc0034671193
Record UpdatedJun 8, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address6449 ARBOR LN, GULF BREEZE, FL 32563-9756
Transaction TypeMortgage
Record UpdatedFeb 1, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address6449 ARBOR LN, GULF BREEZE, FL 32563-9756

Mortgage

Document Number0042121917
DateNov 29, 2021
Book Page4212/1917
Instrument202178929
Lender
NameREGIONS BANK
TypeBank
AddressBIRMINGHAM, AL 35244
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2051

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

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
2025$147,173 (+2.9%)$257,342 (+8.27%) Land $65,000 Building $192,342
2024$1,488.00 (+13.24%) Homeowner's exemption Disabled Person's exemption$143,025 (+3%)$237,694 (+3.02%) Land $65,000 Building $172,694
2023$1,314.00 (+3.55%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$138,859 (+3%)$230,737 (+13.43%) Land $60,000 Building $170,737
2022$1,269.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$134,815$203,421 Land $50,000 Building $153,421

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
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

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

Wildfire RiskModerate
above 64% of the US · above 41% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Mediacom Xtream
Cable · Fiber in parts of the area		1,000 / 50

May also be available: Ripple Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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