Santa Rosa County property record for 1786 Lightning St, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,091 sqft · built 2016 |
| Lot Size | 0.371 acres (16,161 sqft) |
| Owner | Individual Name on File |
| Last Sale | $510,000 (Apr 2022) |
| Tax Bill | $3,953 (2024) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-2S-27-2790-00300-0190 |
| Primary APN | 24-2S-27-2790-00300-0190 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,091 sqft Heated Area |
| Gross Area | 2,879 sqft |
| 1st Floor Area | 2,511 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 16,161 sqft (0.371 acres) |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 368 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 242S272790003000190 |
|---|---|
| Street Address | 1786 LIGHTNING ST |
| City | NAVARRE |
| State | FL |
| Zip | 32566-8442 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | NORTH SHORES 1ST ADDITION LOT 19 BLK 3 AS DES IN OR 4271 PG 1194 |
| Legal Range | 27W |
| Legal Township | 02S |
| Legal Section | 24 |
| Legal Subdivision | NORTH SHORES/ALL |
| Legal Block | 3 |
| Legal Lot Number | 19 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 10821 |
Source: Santa Rosa County records · APN 24-2S-27-2790-00300-0190
Assessment roll updated July 1, 2024 · Last verified November 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1786 LIGHTNING ST, NAVARRE, FL 32566-8442 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 14, 2022 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Nov 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GULF WINDS FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 14, 2022 · Amount on Record |
| Deed Sale | Apr 14, 2022 · Amount on Record |
| Prior Sale | Jun 16, 2016 · Amount on Record |
| Deed Document Number | 202222623 |
| Deed Book / Page | 4271 / 1194 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 14, 2022 |
| Property Address | 1786 LIGHTNING ST, NAVARRE, FL 32566-8442 |
| Document Number | 0042711194 |
| Book / Page | 4271 / 1194 |
| Map Reference | MB C PG 67 |
| Instrument Date | Apr 12, 2022 |
| Instrument | 202222623 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2022 |
| Title Company | US PATRIOT TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,570.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6 ARMSTRONG RD, 6, SHELTON, CT 06484-4722 |
| Name | Verified Name |
|---|---|
| Address | 1786 LIGHTNING ST, NAVARRE, FL 32566-8442 |
| Document Number | 0042711197 |
|---|---|
| Date | Apr 14, 2022 |
| Instrument | 4271/1197 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 1786 LIGHTNING ST, NAVARRE, FL 32566-8442 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1786 LIGHTNING ST, NAVARRE, FL 32566-8442 |
| Document Number | 0042100928 |
|---|---|
| Date | Nov 22, 2021 |
| Book Page | 4210/928 |
| Instrument | 202177756 |
| Name | GULF WINDS FCU |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32534 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
Source: Santa Rosa County records · Assessment roll updated July 1, 2024 · Last verified November 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $3,953.00 (+6.87%) | $331,005 (+8.61%) Land $70,000 Building $261,005 | $331,005 (+8.61%) Land $70,000 Building $261,005 |
| 2023 | $3,699.00 (+71.97%) Homeowner's exemption | $304,752 (+46.4%) Land $45,000 Building $259,752 | $304,752 (+6.48%) Land $45,000 Building $259,752 |
| 2022 | $2,151.00 Homeowner's exemption | $208,170 | $286,218 Land $40,000 Building $246,218 |
Source: FEMA National Flood Hazard Layer as of November 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Mediacom Communications Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Cox Communications, Ripple Broadband.
Based on FCC filings for 276 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | HOLLEY-NAVARRE WATER SYSTEM public/private · serves 47,793 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 6 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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