1814 Spitfire St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 1814 Spitfire St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,615 sqft · built 1996
Lot Size	0.461 acres (20,081 sqft)
Owner	2 Individual Names on Record
Last Sale	$470,000 (Sep 2025)
Tax Bill	$4,474 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-2S-27-2790-00300-0300`

Property Details

APN / Parcel Number

Primary APN	`24-2S-27-2790-00300-0300`
Alternative APN	`S272242790003000300`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,615 sqft Living Area
Gross Area	3,412 sqft
1st Floor Area	1,656 sqft
Upper Floors Area	959 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	20,081 sqft (0.461 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	80 sqft
Deck Area	16 sqft
Patio Area	195 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1814 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 ADD LOT 30 BLK B AS DES IN OR 4657 PG 987
Legal Range	27W
Legal Township	2S
Legal Section	24
Legal Subdivision	NORTH SHORES/ALL
Legal Block	3
Legal Lot Number	30
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 April 28, 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	1814 SPITFIRE ST, NAVARRE, FL 32566-8413
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Sep 11, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 31, 2017	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2025 · Amount on Record
Deed Sale	Sep 11, 2025 · Amount on Record
Prior Sale	Jul 31, 2017 · Amount on Record
Deed Document Number	202542499
Deed Book / Page	4657 / 987
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1814 SPITFIRE ST, NAVARRE, FL 32566-8413
Transaction Type	Mortgage
Record Updated	Oct 13, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3326 DELANCEY CT, CHINO HILLS, CA 91709-4292

Mortgage

Document Number	0040710560
Date	Feb 12, 2021
Book Page	4071/560
Instrument	202109512

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2051

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 11, 2025
Property Address	1814 SPITFIRE ST, NAVARRE, FL 32566-8413
Document Number	0046570987
Book / Page	4657 / 987
Map Reference	MB C PG 67
Instrument Date	Sep 11, 2025
Instrument	202542499
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	UNKNOWN, FOUNDATION T&E SERIES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	208 WEKIVA CV, DESTIN, FL 32541-4763

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1814 SPITFIRE ST, NAVARRE, FL 32566-8413

Mortgage

Document Number	0004657989
Date	Sep 11, 2025
Instrument	4657/989

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Jan 1, 2031
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	6.25%
Max Rate	5%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 31, 2017
Property Address	1814 SPITFIRE ST, NAVARRE, FL 32566-8413
Document Number	0036471254
Book / Page	3647 / 1254
Map Reference	MB C PG67
Instrument Date	Jul 27, 2017
Instrument	201731105
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	RELIABLE LAND TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,666.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6 E PARK, 6, UNIVERSAL CITY, TX 78148-5643

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3326 DELANCEY CT, CHINO HILLS, CA 91709-4292

Mortgage

Document Number	0201731106
Date	Jul 31, 2017
Instrument	201731106

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 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	$4,474.00 (+6.4%)	$374,394 (+2.29%) Land $77,000 Building $297,394	$374,394 (+2.29%) Land $77,000 Building $297,394
2024	$4,205.00 (+8.52%)	$366,010 (+10.7%) Land $77,000 Building $289,010	$366,010 (+10.7%) Land $77,000 Building $289,010
2023	$3,875.00 (+5.41%)	$330,642 (+3.1%) Land $45,000 Building $285,642	$330,642 (+3.1%) Land $45,000 Building $285,642
2022	$3,676.00	$320,698	$320,698 Land $40,000 Building $280,698

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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