8431 SW Gulf St, Arcadia, FL 34269 Property Records

DeSoto County property record for 8431 SW Gulf St, Arcadia, FL 34269

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,096 sqft · built 1962
Lot Size	0.996 acres (43,429 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Mar 2021)
Tax Bill	$2,577 (2024)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-39-23-0274-0000-0380`

Property Details

APN / Parcel Number

Primary APN	`14-39-23-0274-0000-0380`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,096 sqft Heated Area
Gross Area	2,468 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,429 sqft (0.996 acres)
Lot Dimensions	209 ft deep x 208 ft wide
Garage Type	Mixed
Garage Area	1,120 sqft
Driveway	Driveway
Driveway Area	336 sqft
Porch	Open Porch
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C

Location & Zoning

Street Address	8431 SW GULF ST
City	ARCADIA
State	FL
Zip	34269-4480
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-2
Legal Description	PEACE RIVER ACRES LOTS 38 & 39 INST:201814001472 INST:202114001836
Legal Range	23E
Legal Township	39S
Legal Section	14
Legal Subdivision	PEACE RIVER EST EAST UNIT ONE
Legal Tract	274
Legal Lot Number	38,39 39
Jurisdiction	DE SOTO FL
Township / Civil Division	ARCADIA WEST
Census Block Group	1
Census Block	1011
Census Tract	10405

Owner

Source: DeSoto County records, as of February 9, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	8431 SW GULF ST, ARCADIA, FL 34269-4480
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Mar 13, 2018	Warranty Deed, Transfer · Conventional Mortgage BEACON CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2021 · Amount on Record
Deed Sale	Mar 17, 2021 · Amount on Record
Prior Sale	Mar 13, 2018 · Amount on Record
Deed Document Number	202114001836
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE SOTO FL
Recording Date	Mar 17, 2021
Property Address	8431 SW GULF ST, ARCADIA, FL 34269-4480
Document Number	0014001836
Map Reference	MB 6 PG 68
Instrument Date	Mar 15, 2021
Instrument	202114001836
Transaction Type	Transfer
Record Updated	May 13, 2021
Title Company	INNOVATIVE TITLE AND TRUST LLC, INNOVATIVE TITLE AND TR LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10307 SW LETTUCE LAKE AVE, 10307, ARCADIA, FL 34269-9593

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8431 SW GULF ST, ARCADIA, FL 34269-4480

Mortgage

Document Number	0014001837
Date	Mar 17, 2021
Instrument	202114001837

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE SOTO FL
Recording Date	Mar 13, 2018
Property Address	8431 SW GULF ST, ARCADIA, FL 34269-4480
Document Number	0014001472
Instrument Date	Mar 8, 2018
Instrument	14001472
Transaction Type	Transfer
Record Updated	Mar 23, 2018
Title Company	ARCADIA ABSTRACT AND TITLE COMPANY IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$665.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8431 SW GULF ST ARCADIA FL 342694480, ARCADIA, FL 34269-4480

Mortgage

Document Number	14001473
Date	Mar 13, 2018
Instrument	14001473

Lender

Name	BEACON CU
Type	Credit Union
Address	AUBURN, IN 46706

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2048

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	DeSoto County
Unified School District	DeSoto County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$181,628 (+5.99%)	$220,881 (+20.34%) Land $55,000 Building $165,881
2024	$2,577.00 (+2.06%)
2023	$2,525.00 (+2.77%) Homeowner's exemption	$171,368 (+3%)	$183,551 (+4.6%) Land $28,000 Building $155,551
2022	$2,457.00 Homeowner's exemption	$166,377	$175,486 Land $28,000 Building $147,486

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 October 6, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 40 policies
Nearby Flood Policies	40 in force
Nearby Flood Claims	13 (1995–2022)
Claims Outside the SFHA	6 of 13
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 3 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 57% of the US · lower than 71% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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