1785 Spitfire St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 1785 Spitfire St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,825 sqft · built 1983
Lot Size	0.348 acres (15,202 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Jul 2016)
Tax Bill	$1,860 (2024)
Deeds & Mortgages	Feb 2023 Second Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-2S-27-2790-00300-0340`

Property Details

APN / Parcel Number

Primary APN	`24-2S-27-2790-00300-0340`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,825 sqft Heated Area
Gross Area	3,324 sqft
1st Floor Area	2,593 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1988
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	15,202 sqft (0.348 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	282 sqft
Deck Area	417 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	242S272790003000340
Street Address	1785 SPITFIRE ST
City	NAVARRE
State	FL
Zip	32566-8413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	NORTH SHORES 1ST ADDITION LOT 34 BLK 3 AS DES IN OR 3537 PG 637
Legal Range	27W
Legal Township	02S
Legal Section	24
Legal Subdivision	NORTH SHORES/ALL
Legal Block	3
Legal Lot Number	34
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1013
Census Tract	10821

Owner

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

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
Co-owner	Co-owner on Record
Mailing Address	1785 SPITFIRE ST, NAVARRE, FL 32566-8413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Jan 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Aug 30, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2016 · Amount on Record
Deed Sale	Jul 12, 2016 · Amount on Record
Prior Sale	Sep 5, 2013 · Amount on Record
Deed Document Number	201626862
Deed Book / Page	3537 / 0637
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1785 SPITFIRE ST, NAVARRE, FL 32566-8413
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1785 SPITFIRE ST, NAVARRE, FL 32566-8413

Mortgage

Document Number	0043660678
Date	Feb 13, 2023
Book Page	4366/678
Instrument	202305867

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1785 SPITFIRE ST, NAVARRE, FL 32566-8413
Transaction Type	Mortgage
Record Updated	Apr 1, 2022
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1785 SPITFIRE ST, NAVARRE, FL 32566-8413

Mortgage

Document Number	0042371727
Date	Jan 26, 2022
Book Page	4237/1727
Instrument	202204755

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1785 SPITFIRE ST, NAVARRE, FL 32566-8413
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038650617
Date	Aug 30, 2019
Book Page	3865/0617
Instrument	201938699

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 26, 2034

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	$1,860.00 (+2.71%) Homeowner's exemption	$184,952 (+3%)	$287,552 (+10.65%) Land $70,000 Building $217,552
2023	$1,811.00 (+3.07%) Homeowner's exemption	$179,565 (+3%)	$259,880 (+3.6%) Land $45,000 Building $214,880
2022	$1,757.00 Homeowner's exemption	$174,335	$250,855 Land $40,000 Building $210,855

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 144 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	144 in force
Nearby Flood Claims	5 (2020–2024)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Sally, Sep 2020 · 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	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	HOLLEY-NAVARRE WATER SYSTEM public/private · serves 47,793 people · EPA ID FL1570349
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	6 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 276 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
AT&T Fiber · DSL	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cox Communications, Ripple Broadband.

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