1468 Bermuda Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 1468 Bermuda Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,902 sqft · built 2019
Lot Size	0.118 acres (5,140 sqft)
Owner	2 Individual Names on Record
Last Sale	$664,000 (Jan 1997)
Tax Bill	$5,515 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Sep 2019 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`28-2S-26-9095-00B00-0090`

Property Details

APN / Parcel Number

Primary APN	`28-2S-26-9095-00B00-0090`
Alternative APN	`S26228909500B000090`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,902 sqft Living Area
Gross Area	4,139 sqft
1st Floor Area	1,902 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Wood Frame (Stucco or Asbestos)
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,140 sqft (0.118 acres)
Lot Dimensions	91 ft deep x 69 ft wide
Garage Type	Attached
Garage Area	1,622 sqft
Parking Spaces	6 Parking Spaces
Porch	Finished/Open Porch
Porch Area	340 sqft
Deck Area	66 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1468 BERMUDA DR
City	NAVARRE
State	FL
Zip	32566-7040
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NB-MD
Legal Description	CARIBBEAN ISLES LOT 9 BLK B AS DES IN OR 3707 PG 583
Legal Range	26W
Legal Township	2S
Legal Section	28
Legal Subdivision	CARIBBEAN ISLE
Legal Block	B
Legal Lot Number	9
Jurisdiction	SANTA ROSA FL
Township / Civil Division	NAVARRE BEACH
Census Block Group	2
Census Block	2006
Census Tract	10825

Owner

Source: Santa Rosa County records, as of October 19, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1468 BERMUDA DR, NAVARRE, FL 32566-7040
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Sep 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage SYNOVUS MORTGAGE CORP
Aug 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage SYNOVUS BANK
Mar 6, 2018	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 1997 · Amount on Record
Deed Sale	Jan 30, 1997 · Amount on Record
Deed Book / Page	1587 / 1165
Last Transfer Date	Feb 9, 2018
Transfer Doc	0037070581
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1468 BERMUDA DR, NAVARRE, FL 32566-7040
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1468 BERMUDA DR, NAVARRE, FL 32566-7040

Mortgage

Document Number	0047021745
Date	Jan 28, 2026
Book Page	4702/1745
Instrument	202604386

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1468 BERMUDA DR, NAVARRE, FL 32566-7040
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038701782
Date	Sep 17, 2019
Book Page	3870/1782
Instrument	201941509

Lender

Name	SYNOVUS MORTGAGE CORP
Type	Mortgage Company
Address	BIRMINGHAM, AL 35209

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1468 BERMUDA DR, NAVARRE, FL 32566-7040
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037580854
Date	Aug 20, 2018
Book Page	3758/0854
Instrument	201835605

Lender

Name	SYNOVUS BANK
Address	PENSACOLA, FL 32502

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	370 Months
Due	Jun 1, 2049

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 6, 2018
Property Address	1468 BERMUDA DR, NAVARRE, FL 32566-7040
Document Number	0037070581
Book / Page	003707 / 000581
Instrument Date	Feb 9, 2018
Instrument	8630
Transaction Type	Transfer
Record Updated	Mar 20, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4854 POUTAHACTUAW DR #4 SLIDELL LA 70458, 4, SLIDELL, LA 70458

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	$5,515.00 (+2.89%) Homeowner's exemption	$475,530 (+2.9%)	$820,699 (+5.19%) Land $250,000 Building $570,699
2024	$5,360.00 (+2.17%) Homeowner's exemption	$462,128 (+3%)	$780,174 (-0.91%) Land $225,000 Building $555,174
2023	$5,246.00 (+2%) Homeowner's exemption	$448,668 (+3%)	$787,370 (+26.9%) Land $250,000 Building $537,370
2022	$5,143.00 Homeowner's exemption	$435,600	$620,455 Land $140,000 Building $480,455

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	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 70 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	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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