1476 Bermuda Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 1476 Bermuda Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,301 sqft · built 2022
Lot Size	0.183 acres (8,000 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Dec 2018)
Tax Bill	$11,419 (2024)
Deeds & Mortgages	Apr 2022 Mortgage Dec 2018 Mortgage + 1 more
Flood Zone	Zone VE (high risk)
APN	`28-2S-26-9095-00B00-0110`

Property Details

APN / Parcel Number

Primary APN	`28-2S-26-9095-00B00-0110`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	3 Stories
Building Area	2,301 sqft Heated Area
1st Floor Area	2,301 sqft
Upper Floors Area	1,185 sqft
Flooring	Laminate Plank
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2022
Exterior Material	Stone
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Material	Metal
Lot Area	8,000 sqft (0.183 acres)
Lot Dimensions	1,600 ft deep x 500 ft wide
Parking Spaces	4 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	282S26909500B000110
Street Address	1476 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 11 BLK B AS DES IN OR 3794 PG 193
Legal Range	26W
Legal Township	02S
Legal Section	28
Legal Subdivision	CARIBBEAN ISLE
Legal Block	B
Legal Lot Number	11
Jurisdiction	SANTA ROSA FL
Township / Civil Division	NAVARRE BEACH
Census Block Group	2
Census Block	2006
Census Tract	10825

Owner

1476 Bermuda Dr is owned by two individuals who bought it in December 2018.

Source: Santa Rosa County records, as of October 27, 2025

Owner of Record	2 Individual Names on File
Mailing Address	4212 LEMON ST, METAIRIE, LA 70006-2664
Owner Type	Individual

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
Apr 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK OF MISSISSIPPI
Dec 31, 2018	Deed of Trust, Mortgage · Commercial Mortgage WHITNEY BANK
Sep 3, 2020	Deed of Trust, Mortgage · Construction Mortgage COMMUNITY BANK OF MISSISSIPPI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2018 · Amount on File
Deed Sale	Dec 27, 2018 · Amount on File
Deed Document Number	0003794193
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1476 BERMUDA DR, NAVARRE, FL 32566-7040
Transaction Type	Mortgage
Record Updated	Mar 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4212 LEMON ST, METAIRIE, LA 70006-2664

Mortgage

Document Number	0042770659
Date	Apr 28, 2022
Book Page	4277/659
Instrument	202225806

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank
Address	FLOWOOD, MS 39232

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1476 BERMUDA DR, NAVARRE, FL 32566-7040
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037940195
Date	Dec 31, 2018
Book Page	3794/0195
Instrument	201855033

Lender

Name	WHITNEY BANK
Type	Bank
Address	GULF BREEZE, FL 32561

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1476 BERMUDA DR, NAVARRE, FL 32566-7040
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4212 LERNON STREET, METAIRIE, LA 70006

Mortgage

Document Number	0039992010
Date	Sep 3, 2020
Book Page	3999/2010
Instrument	202045782

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank
Address	FOREST, MS 39074

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$11,419.00 (+4.8%)	$1,031,667 (+3.06%) Land $412,500 Building $619,167	$1,031,667 (+3.06%) Land $412,500 Building $619,167
2023	$10,896.00 (+250.13%)	$1,000,995 (+300.4%) Land $412,500 Building $588,495	$1,000,995 (+300.4%) Land $412,500 Building $588,495
2022	$3,112.00	$250,000	$250,000 Land $250,000

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

Flood

FEMA maps place 1476 Bermuda Dr in Zone VE, a high-risk coastal 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 VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1476 Bermuda Dr is low, with less than a 0.01% annual chance of 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

Nearby Properties on Bermuda Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures