Santa Rosa County property record for 1870 Prado St, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,845 sqft · built 2019 |
| Lot Size | 0.185 acres (8,100 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $274,500 (Sep 2019) |
| Tax Bill | $168 (2024) |
| Deeds & Mortgages | Mar 2021 Mortgage Sep 2019 Sale & Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-2S-26-2710-01900-0080 |
| Primary APN | 21-2S-26-2710-01900-0080 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,845 sqft Heated Area |
| Gross Area | 2,575 sqft |
| 1st Floor Area | 2,305 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 8,100 sqft (0.185 acres) |
| Lot Dimensions | 1,350 ft deep x 600 ft wide |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 270 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 212S262710019000080 |
|---|---|
| Street Address | 1870 PRADO ST |
| City | NAVARRE |
| State | FL |
| Zip | 32566-1002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TC-1 |
| Legal Description | *NEW PARCEL FOR 2019 TAXES* NAVARRE LOT 8 BLK 19 ALONG WITH W 1/2 OF ALLEY VACATED IN OR 1842 PG 75 ALL DES IN OR 3873 PG |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 21 |
| Legal Subdivision | NAVARRE |
| Legal Block | 19 |
| Legal Lot Number | 6,8 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 10827 |
1870 Prado St is owned and occupied by two individuals who bought it in September 2019.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1870 PRADO ST, NAVARRE, FL 32566-1002 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 24, 2021 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Sep 25, 2019 | Warranty Deed, Subdivision Related Transfer · Conventional with PMI NAVY FCU |
| Sep 23, 2019 | Loan Modification, Mortgage RODRIGUE F & GAIL P HARDY |
| Sep 10, 2019 | Warranty Deed, Subdivision Related Transfer · VA Mortgage PRIME LNDG |
| May 6, 2019 | Deed of Trust, Mortgage RODRIGUE F & GAIL P HARDY |
| Apr 26, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Apr 26, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2019 · Amount on File |
| Deed Sale | Sep 25, 2019 · Amount on File |
| Deed Document Number | 201942865 |
| Deed Book / Page | 3873 / 1145 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 1870 PRADO ST, NAVARRE, FL 32566-1002 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1870 PRADO ST, NAVARRE, FL 32566-1002 |
| Document Number | 0040920995 |
|---|---|
| Date | Mar 24, 2021 |
| Book Page | 4092/995 |
| Instrument | 202119430 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Sep 25, 2019 |
| Property Address | 1870 PRADO ST, NAVARRE, FL 32566-1002 |
| Document Number | 0038731145 |
| Book / Page | 003873 / 001145 |
| Instrument Date | Sep 23, 2019 |
| Instrument | 42865 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 11, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,921.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 205 BRECKENRIDGE DR VALDOSTA GA 316056403, VALDOSTA, GA 31605-6403 |
| Document Number | 38731148 |
|---|---|
| Date | Sep 25, 2019 |
| Book Page | 003873/001148 |
| Instrument | 42866 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 24, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 1870 PRADO ST, NAVARRE, FL 32566-1002 |
| Document Number | 0038801292 |
| Instrument Date | Sep 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2020 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 8493 SEVILLA ST NAVARRE FL 325666317, NAVARRE, FL 32566-6317 |
| Investor | Possibly a Property Investor |
| Document Number | 0038801292 |
|---|---|
| Date | Oct 16, 2019 |
| Book Page | 003880/001292 |
| Instrument | 46530 |
| Name | RODRIGUE F & GAIL P HARDY |
|---|---|
| Address | 8130 MENORCA ST, NAVARRE, FL 32566-9156 |
| Amount | Amount on Record |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Sep 10, 2019 |
| Property Address | 1870 PRADO ST, NAVARRE, FL 32566-1002 |
| Document Number | 0038680605 |
| Book / Page | 003868 / 000605 |
| Instrument Date | Sep 6, 2019 |
| Instrument | 40199 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 1, 2019 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,029.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 662 TEAL ST CRESTVIEW FL 325396742, CRESTVIEW, FL 32539-6742 |
| Document Number | 38680608 |
|---|---|
| Date | Sep 10, 2019 |
| Book Page | 003868/000608 |
| Instrument | 40200 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 9, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 1870 PRADO ST, NAVARRE, FL 32566-1002 |
| Document Number | 0038261151 |
| Instrument Date | May 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 8493 SEVILLA ST NAVARRE FL 325666317, NAVARRE, FL 32566-6317 |
| Investor | Possibly a Property Investor |
| Document Number | 0038261151 |
|---|---|
| Date | May 6, 2019 |
| Book Page | 003826/001151 |
| Instrument | 18418 |
| Name | RODRIGUE F & GAIL P HARDY |
|---|---|
| Address | 8130 MENORCA ST, NAVARRE, FL 32566-9156 |
| Amount | Amount on Record |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 26, 2019 |
| Property Address | 1870 PRADO ST, NAVARRE, FL 32566-1002 |
| Document Number | 0038231360 |
| Book / Page | 003823 / 001360 |
| Instrument Date | Apr 26, 2019 |
| Instrument | 16969 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8202 CALLE MIO NAVARRE FL 325669393, NAVARRE, FL 32566-9393 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 26, 2019 |
| Property Address | 1870 PRADO ST, NAVARRE, FL 32566-1002 |
| Document Number | 0038231362 |
| Book / Page | 003823 / 001362 |
| Instrument Date | Apr 26, 2019 |
| Instrument | 16970 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $560.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 6850 NELSON ST NAVARRE FL 325669748, NAVARRE, FL 32566-9748 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $168.00 (+7.01%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $245,346 (+3%) | $322,673 (-2.86%) Land $46,560 Building $276,113 |
| 2023 | $157.00 (+6.8%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $238,200 (+3%) | $332,183 (+17.36%) Land $46,560 Building $285,623 |
| 2022 | $147.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $231,262 | $283,058 Land $42,195 Building $240,863 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1870 Prado St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
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 File median of 115 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 115 in force |
| Nearby Flood Claims | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
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 risk around 1870 Prado St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 300 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 · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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