1786 Joybrook Rd, Navarre, FL 32566 Property Records

Santa Rosa County property record for 1786 Joybrook Rd, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,081 sqft · built 2017
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,000 (Aug 2026)
Tax Bill	$3,881 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-2S-27-2325-00A00-0030`

Property Details

APN / Parcel Number

Primary APN	`24-2S-27-2325-00A00-0030`
Alternative APN	`S27224232500A000030`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,081 sqft Living Area
Gross Area	2,688 sqft
1st Floor Area	2,081 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	100 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	137 sqft
Patio Area	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1786 JOYBROOK RD
City	NAVARRE
State	FL
Zip	32566-7301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	MAGNOLIA HARBOR LOT 3 BLK A AS DES OR 3801 PG 1541
Legal Range	27W
Legal Township	2S
Legal Section	24
Legal Subdivision	MAGNOLIA HARBOR
Legal Block	A
Legal Lot Number	3
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2000
Census Tract	10824

Owner

Source: Santa Rosa County records, as of October 13, 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	128 GOLDEN EAGLE CT, SANTA ROSA BEACH, FL 32459-8344
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Warranty Deed, Transfer · VA Mortgage WATERSTONE MORTGAGE CORPORATION
May 5, 2021	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Feb 5, 2019	Warranty Deed, Transfer · VA Mortgage USAA
Nov 1, 2017	Warranty Deed, Transfer · VA Mortgage UNIVERSITY LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2026 · Amount on Record
Deed Sale	Aug 31, 2026 · Amount on Record
Prior Sale	Feb 5, 2019 · Amount on Record
Deed Document Number	202644036
Deed Book / Page	4783 / 1987
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 31, 2026
Property Address	1786 JOYBROOK RD, NAVARRE, FL 32566-7301
Document Number	0000044036
Book / Page	4783 / 1987
Instrument Date	Aug 31, 2026
Instrument	202644036
Transaction Type	Transfer
Record Updated	Oct 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325,220.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 GOLDEN EAGLE CT, SANTA ROSA BEACH, FL 32459-8344

Mortgage

Document Number	0000044037,
Date	Aug 31, 2026
Instrument	202644037

Lender

Name	WATERSTONE MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1786 JOYBROOK RD, NAVARRE, FL 32566-7301
Transaction Type	Mortgage
Record Updated	Jun 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041140114
Date	May 5, 2021
Book Page	4114/114
Instrument	202129963

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Feb 5, 2019
Property Address	1786 JOYBROOK RD, NAVARRE, FL 32566-7301
Document Number	0038011541
Book / Page	003801 / 001541
Instrument Date	Feb 1, 2019
Instrument	4449
Transaction Type	Transfer
Record Updated	Feb 27, 2019
Title Company	EMERALD COAST TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1786 JOYBROOK RD GULF BREEZE FL 325667301, GULF BREEZE, FL 32566-7301

Mortgage

Document Number	38011543
Date	Feb 5, 2019
Book Page	003801/001543
Instrument	4450

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 4, 2049

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 1, 2017
Property Address	1786 JOYBROOK RD, NAVARRE, FL 32566-7301
Document Number	0036750249
Book / Page	003675 / 000249
Instrument Date	Oct 31, 2017
Instrument	45620
Transaction Type	Transfer
Record Updated	Nov 9, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,994.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1786 JOYBROOK RD NAVARRE FL 325667301, NAVARRE, FL 32566-7301

Mortgage

Document Number	36750251
Date	Nov 1, 2017
Book Page	003675/000251
Instrument	45621

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2047

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	$3,881.00 (+5.4%)	$356,740 (+2.9%)	$374,523 (+1.98%) Land $80,000 Building $294,523
2024	$3,682.00 (+1.97%) Homeowner's exemption	$346,686 (+3%)	$367,234 (-2.11%) Land $80,000 Building $287,234
2023	$3,611.00 (+2.5%) Homeowner's exemption	$336,588 (+3%)	$375,143 (+14.8%) Land $90,250 Building $284,893
2022	$3,523.00 Homeowner's exemption	$326,784	$326,784 Land $47,500 Building $279,284

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 257 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	257 in force
Nearby Flood Claims	23 (2004–2024)
Claims Outside the SFHA	9 of 23
Most Recent Claim	Jun 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 16 claims Hurricane Frances, Sep 2004 · 4 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 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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	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 267 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
LiveOak Fiber Fiber	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	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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