1429 Bahia Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 1429 Bahia Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,610 sqft · built 2022
Lot Size	0.111 acres (4,835 sqft)
Owner	2 Company Names on Record
Tax Bill	$7,725 (2025)
Deeds & Mortgages	Apr 2022 Construction Loan Mar 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`28-2S-26-9020-00000-0160`

Property Details

APN / Parcel Number

Primary APN	`28-2S-26-9020-00000-0160`
Alternative APN	`S262289020000000160`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,610 sqft Living Area
Gross Area	3,963 sqft
1st Floor Area	805 sqft
Upper Floors Area	805 sqft
Flooring	Wood

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Construction Type	Wood
Roof Material	Metal
Lot Area	4,835 sqft (0.111 acres)
Lot Dimensions	121 ft deep x 40 ft wide
Garage Type	Attached
Garage Area	805 sqft
Porch	Unfinished Open Porch
Deck Area	32 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1429 BAHIA DR
City	NAVARRE
State	FL
Zip	32566-7229
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NB-MD
Legal Description	BAHIA BADAR LOT 16 & NLY 5.31 FT OF LOT 15 AS DES IN OR 3807 PG 950
Legal Range	26W
Legal Township	2S
Legal Section	28
Legal Subdivision	BAHIA BADAR
Legal Lot Number	16
Jurisdiction	SANTA ROSA FL
Township / Civil Division	NAVARRE BEACH
Census Block Group	2
Census Block	2002
Census Tract	10825

Owner

Source: Santa Rosa County records, as of August 3, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	1429 BAHIA DR, NAVARRE, FL 32566-7229
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2022	Deed of Trust, Mortgage · Construction Mortgage PEN AIR FEDERAL CU
Mar 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage BEACH COMMUNITY MORTGAGE SERVICES INC
Oct 13, 2020	Deed of Trust, Mortgage · Construction Mortgage PEN AIR FEDERAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1429 BAHIA DR, NAVARRE, FL 32566-7229
Transaction Type	Mortgage
Record Updated	Apr 16, 2024
Title Company	SECURITY LAND TITLE INC, SURETY LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1405 BAHIA DR, NAVARRE, FL 32566-7225
Investor	Possibly a Property Investor

Mortgage

Document Number	0042741914
Date	Apr 22, 2022
Book Page	4274/1914
Instrument	202224410

Lender

Name	PEN AIR FEDERAL CU
Type	Credit Union
Address	PENSACOLA, FL 32514

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Oct 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8%
Index	Other
Max Rate	8%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1429 BAHIA DR, NAVARRE, FL 32566-7229
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038070955
Date	Mar 1, 2019
Book Page	3807/0955
Instrument	201907778

Lender

Name	BEACH COMMUNITY MORTGAGE SERVICES INC
Type	Mortgage Company
Address	FORT WALTON BEACH, FL 32547

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2034

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1429 BAHIA DR, NAVARRE, FL 32566-7229
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SURETY LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1405 BAHIA DR, NAVARRE, FL 32566-7225

Mortgage

Document Number	0040131504
Date	Oct 13, 2020
Book Page	4013/1504
Instrument	202052655

Lender

Name	PEN AIR FEDERAL CU
Type	Credit Union
Address	PENSACOLA, FL 32514

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8%
Index	1-Year LIBOR
Max Rate	8%

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	$7,725.00 (+1.91%) Homeowner's exemption	$669,574 (+1.87%) Land $220,000 Building $449,574	$669,574 (+1.87%) Land $220,000 Building $449,574
2024	$7,580.00 (+0.99%) Homeowner's exemption	$657,307 (+2.06%) Land $220,000 Building $437,307	$657,307 (+1.94%) Land $220,000 Building $437,307
2023	$7,506.00 (+288.91%) Homeowner's exemption	$644,071 (+257.82%)	$644,778 (+258.21%) Land $220,000 Building $424,778
2022	$1,930.00	$180,000	$180,000 Land $180,000

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 734 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,678 units insured incl. 944 condo units
Nearby Flood Claims	217 (1995–2024)
Most Recent Claim	Jun 2024 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 122 claims Hurricane Dennis, Jul 2005 · 35 claims Hurricane Frances, Sep 2004 · 46 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	Not rated no burnable land within ember reach

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	NAVARRE BEACH WATER SYSTEM serves 6,166 people · EPA ID FL1570874
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	1 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	None 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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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