6449 E Bay Blvd, Gulf Breeze, FL 32563 Property Records

Santa Rosa County property record for 6449 E Bay Blvd, Gulf Breeze, FL 32563

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,903 sqft · built 2018
Lot Size	0.693 acres (30,187 sqft)
Owner	2 Company Names on File
Last Sale	$515,000 (Mar 2026)
Tax Bill	$3,489 (2024)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2024 Second Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`08-2S-27-2140-00600-04C0`

Property Details

APN / Parcel Number

Primary APN	`08-2S-27-2140-00600-04C0`
Alternative APN	`S2720821400060004C0`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,903 sqft Living Area
Gross Area	2,889 sqft
1st Floor Area	1,903 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	30,187 sqft (0.693 acres)
Lot Dimensions	302 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	434 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	6449 E BAY BLVD
City	GULF BREEZE
State	FL
Zip	32563-9735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAGNIAPPE BEACH 2ND ADDN LOT 4C BLK 6 AKA LOT 4 BLK C 2ND ADDN TO LAGNIAPPE BEACH AS DES IN OR 3797 PG 1167
Legal Range	27W
Legal Township	2S
Legal Section	08
Legal Subdivision	LAGNIAPPE BEACH/ALL
Legal Block	6
Legal Lot Number	4C
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MIDWAY
Census Block Group	1
Census Block	1028
Census Tract	10820

Owner

6449 E Bay Blvd is owned by a company that bought it in March 2026 and is owner-occupied.

Source: Santa Rosa County records, as of April 9, 2026

Owner of Record	2 Company Names on File
Mailing Address	6449 E BAY BLVD, GULF BREEZE, FL 32563-9735
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

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 2, 2021	Deed of Trust, Mortgage · FHA Mortgage UNIVERSITY LENDING GROUP LLC
Jun 26, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Mar 11, 2026	Warranty Deed, Transfer · Conventional Mortgage NOVUS HOME MORTGAGE
Jan 17, 2019	Warranty Deed, Transfer · FHA Mortgage UNIVERSITY LNDG
Mar 2, 2018	Warranty Deed, Transfer RELIABLE LAND TITLE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2026 · Amount on File
Deed Sale	Mar 11, 2026 · Amount on File
Prior Sale	Jan 17, 2019 · Amount on File
Deed Document Number	202612205
Deed Book / Page	4718 / 1484
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6449 E BAY BLVD, GULF BREEZE, FL 32563-9735
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6449 E BAY BLVD, GULF BREEZE, FL 32563-9735

Mortgage

Document Number	0041730252
Date	Sep 2, 2021
Book Page	4173/252
Instrument	202159191

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48034

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6449 E BAY BLVD, GULF BREEZE, FL 32563-9735
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6449 E BAY BLVD, GULF BREEZE, FL 32563-9735

Mortgage

Document Number	0045151692
Date	Jun 26, 2024
Book Page	4515/1692
Instrument	202428397

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2054

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 11, 2026
Property Address	6449 E BAY BLVD, GULF BREEZE, FL 32563-9735
Document Number	0047181484
Book / Page	4718 / 1484
Map Reference	MB B PG 117
Instrument Date	Mar 10, 2026
Instrument	202612205
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	PENSACOLA TITLE CO LLC, PENSACOLA TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,605.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 5332, NAVARRE, FL 32566-0332

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	6449 E BAY BLVD, GULF BREEZE, FL 32563-9735

Mortgage

Document Number	0047181486
Date	Mar 11, 2026
Instrument	4718/1486

Lender

Name	NOVUS HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 17, 2019
Property Address	6449 E BAY BLVD, GULF BREEZE, FL 32563-9735
Document Number	0037971167
Book / Page	003797 / 001167
Instrument Date	Jan 15, 2019
Instrument	1977
Transaction Type	Transfer
Record Updated	Mar 1, 2019
Title Company	RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,917.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6449 E BAY BLVD GULF BREEZE FL 325639735, GULF BREEZE, FL 32563-9735

Mortgage

Document Number	37971173
Date	Jan 17, 2019
Book Page	003797/001173
Instrument	1980

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2049

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 2, 2018
Property Address	6449 E BAY BLVD, GULF BREEZE, FL 32563-9735
Document Number	0037061084
Book / Page	003706 / 001084
Instrument Date	Mar 2, 2018
Instrument	8206
Transaction Type	Transfer
Record Updated	Mar 19, 2018
Title Company	RELIABLE LAND TITLE CORPORATION

Transaction

Amount	Amount on Record
Tax	$140.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1106 OYSTER BAY DR MILTON FL 325837344, MILTON, FL 32583-7344

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		$349,768 (+16.19%)	$385,379 (+13.88%) Land $65,000 Building $320,379
2024	$3,489.00 (-1.41%) Homeowner's exemption	$301,037 (+3%)	$338,413 (+14.9%) Land $65,000 Building $273,413
2023	$3,539.00 (+2.61%) Homeowner's exemption	$292,269 (+3%)	$294,522 (+1.84%) Land $24,000 Building $270,522
2022	$3,449.00 Homeowner's exemption	$283,756	$289,209 Land $24,000 Building $265,209

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

Flood

FEMA maps place 6449 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 6449 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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