1804 Lightning St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 1804 Lightning St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,523 sqft · built 2012
Lot Size	0.375 acres (16,335 sqft)
Owner	2 Individual Names on Record
Last Sale	$490,000 (Aug 2021)
Tax Bill	$3,897 (2024)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-2S-27-2790-00300-0210`

Property Details

APN / Parcel Number

Primary APN	`24-2S-27-2790-00300-0210`
Alternative APN	`S272242790003000210`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,523 sqft Living Area
Gross Area	3,826 sqft
1st Floor Area	2,523 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	16,335 sqft (0.375 acres)
Garage Type	Attached
Garage Area	413 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	146 sqft
Deck Area	Deck Area
Patio Area	744 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1804 LIGHTNING ST
City	NAVARRE
State	FL
Zip	32566-8429
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	NORTH SHORES 1ST ADD PART OF LOT 21 BLK 3 DES AS FOLLOWS: BEG AT SE CORN OF SAID LOT 21 THN S742050W 106.22 FT TO CURVD R/W LIGHTNING ST THN ON R/W 63.20 FT (R=50 FT CA=7225 25) THN N15340E 120.03 FT TO N LOT LN THN S892553E ON N LN 20.02 FT THN
Legal Range	27W
Legal Township	2S
Legal Section	24
Legal Subdivision	NORTH SHORES/ALL
Legal Block	3
Legal Lot Number	21
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 December 8, 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	1804 LIGHTNING ST, NAVARRE, FL 32566-8429
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 7, 2019	Warranty Deed, Transfer · VA Mortgage UNIVERSITY LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2021 · Amount on Record
Deed Sale	Aug 27, 2021 · Amount on Record
Prior Sale	Aug 7, 2019 · Amount on Record
Deed Document Number	202157862
Deed Book / Page	4170 / 747
Prior Transfer Date	Dec 28, 2004
Prior Transfer Doc	0024251695
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 27, 2021
Property Address	1804 LIGHTNING ST, NAVARRE, FL 32566-8429
Document Number	0041700747
Book / Page	4170 / 747
Instrument Date	Aug 27, 2021
Instrument	202157862
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1804 LIGHTNING ST, 1804, NAVARRE, FL 32566-8429

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10104 DORSEY HILL RD, LOUISVILLE, KY 40223-2930

Mortgage

Document Number	4170750
Date	Aug 27, 2021
Instrument	4170/750

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 7, 2019
Property Address	1804 LIGHTNING ST, NAVARRE, FL 32566-8429
Document Number	0038570943
Book / Page	003857 / 000943
Instrument Date	Aug 5, 2019
Instrument	34406
Transaction Type	Transfer
Record Updated	Oct 3, 2019
Title Company	RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1804 LIGHTNING ST NAVARRE FL 325668429, NAVARRE, FL 32566-8429

Mortgage

Document Number	38570944
Date	Aug 7, 2019
Book Page	003857/000944
Instrument	34407

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 2049

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		$373,527 (+2.9%)	$395,408 (+4.05%) Land $70,000 Building $325,408
2024	$3,897.00 (+1.99%) Homeowner's exemption	$363,000 (+3%)	$380,018 (+7.83%) Land $70,000 Building $310,018
2023	$3,821.00 (+2.28%) Homeowner's exemption	$352,427 (+2.79%) Land $45,000 Building $307,427	$352,427 (+2.79%) Land $45,000 Building $307,427
2022	$3,736.00 Homeowner's exemption	$342,853	$342,853 Land $40,000 Building $302,853

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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