1797 Lightning St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 1797 Lightning St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,170 sqft · built 1982
Lot Size	0.387 acres (16,901 sqft)
Owner	2 Individual Names on Record
Last Sale	$173,000 (Apr 2018)
Tax Bill	$1,322 (2024)
Deeds & Mortgages	Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-2S-27-2790-00300-0230`

Property Details

APN / Parcel Number

Primary APN	`24-2S-27-2790-00300-0230`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,170 sqft Heated Area
Gross Area	1,944 sqft
1st Floor Area	1,548 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	16,901 sqft (0.387 acres)
Garage Type	Mixed
Garage Area	378 sqft
Carport	Carport
Carport Area	1 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	360 sqft
Patio Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	242S272790003000230
Street Address	1797 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 ADD LOT 23 BLK 3 AS DES IN OR 3716 PG 281
Legal Range	27W
Legal Township	02S
Legal Section	24
Legal Subdivision	NORTH SHORES/ALL
Legal Block	3
Legal Lot Number	23
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	2 Individual Names on Record
Mailing Address	1797 LIGHTNING ST, NAVARRE, FL 32566-8442
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2018 · Amount on Record
Deed Sale	Apr 5, 2018 · Amount on Record
Deed Document Number	201813294
Deed Book / Page	3716 / 0281
Record Updated	Jun 8, 2026

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 5, 2018
Property Address	1797 LIGHTNING ST, NAVARRE, FL 32566-8442
Document Number	0037160281
Book / Page	003716 / 000281
Instrument Date	Apr 3, 2018
Instrument	13294
Transaction Type	Transfer
Record Updated	Aug 31, 2018
Title Company	RELIABLE LAND TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,211.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	925 N WAVERLY ST DEARBORN MI 481281650, DEARBORN, MI 48128-1650

Mortgage

Document Number	37160282
Date	Apr 5, 2018
Book Page	003716/000282
Instrument	13295

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 4, 2048

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	$1,322.00 (+3.12%) Homeowner's exemption	$141,136 (+3%)	$239,142 (+12.9%) Land $70,000 Building $169,142
2023	$1,282.00 (+3.39%) Homeowner's exemption	$137,025 (+3%)	$211,823 (+8.67%) Land $45,000 Building $166,823
2022	$1,240.00 Homeowner's exemption	$133,034	$194,928 Land $40,000 Building $154,928

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 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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