1871 Esplanade St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 1871 Esplanade St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,602 sqft · built 2013
Lot Size	0.229 acres (9,975 sqft)
Owner	2 Individual Names on File
Last Sale	$2,802 (Oct 2025)
Tax Bill	$3,080 (2024)
Deeds & Mortgages	Jan 2026 Transfer Oct 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`21-2S-26-2740-01200-0190`

Property Details

APN / Parcel Number

Primary APN	`21-2S-26-2740-01200-0190`
Alternative APN	`S262212740012000190`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,602 sqft Living Area
Gross Area	2,206 sqft
1st Floor Area	1,602 sqft
Utility Area	9 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	9,975 sqft (0.229 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	391 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1871 ESPLANADE ST
City	NAVARRE
State	FL
Zip	32566-1001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2M
Legal Description	NAVARRE 1ST ADD N2 OF LOT 19 BLK 12 AS DES IN OR 4393 PG 1614
Legal Range	26W
Legal Township	2S
Legal Section	21
Legal Subdivision	NAVARRE 1ST ADD
Legal Block	12
Legal Lot Number	19
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	3
Census Block	3008
Census Tract	10827

Owner

1871 Esplanade St is owned and occupied by two individuals who bought it in October 2025.

Source: Santa Rosa County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1871 ESPLANADE ST, NAVARRE, FL 32566-1001
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Oct 13, 2025	Warranty Deed, Transfer · Conventional Mortgage NBKC BANK
May 10, 2023	Special Warranty Deed, Transfer · Conventional Mortgage OCMBC INC
Jul 21, 2022	Warranty Deed, Transfer · Conventional Mortgage PMAC LENDING SERVICES INC
Dec 22, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2025 · Amount on File
Deed Sale	Oct 13, 2025 · Amount on File
Prior Sale	May 10, 2023 · Amount on File
Deed Document Number	202548172
Deed Book / Page	4668 / 1310
Prior Transfer Date	Sep 30, 2016
Prior Transfer Doc	0035660071
Record Updated	Jun 8, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 7, 2026
Property Address	1871 ESPLANADE ST, NAVARRE, FL 32566-1001
Document Number	0046960906
Book / Page	4696 / 906
Map Reference	MB B PG 169
Instrument Date	Dec 30, 2025
Instrument	202600776
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1871 ESPLANADE ST, NAVARRE, FL 32566-1001

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1871 ESPLANADE ST, NAVARRE, FL 32566-1001

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 13, 2025
Property Address	1871 ESPLANADE ST, NAVARRE, FL 32566-1001
Document Number	0046681310
Book / Page	4668 / 1310
Map Reference	MB B PG 169
Instrument Date	Oct 2, 2025
Instrument	202548172
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,802.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2488 TRANSOM PL, WOODBRIDGE, VA 22191-1495

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1871 ESPLANADE ST, NAVARRE, FL 32566-1001

Mortgage

Document Number	0046681313
Date	Oct 13, 2025
Instrument	4668/1313

Lender

Name	NBKC BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

May 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 10, 2023
Property Address	1871 ESPLANADE ST, NAVARRE, FL 32566-1001
Document Number	0043931614
Book / Page	4393 / 1614
Map Reference	MB B PG 169
Instrument Date	Apr 28, 2023
Instrument	202320530
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	LEGACYHOUSE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6230 BOYETT DR, NORCROSS, GA 30093-3503

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	30264 FOX RD, STACY, MN 55079-9652

Mortgage

Document Number	0043931617
Date	May 10, 2023
Instrument	4393/1617

Lender

Name	OCMBC INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 21, 2022
Property Address	1871 ESPLANADE ST, NAVARRE, FL 32566-1001
Document Number	0043080507
Book / Page	4308 / 507
Map Reference	MB B PG 169
Instrument Date	Jul 18, 2022
Instrument	202242961
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	EMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2415, APO XX

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6050 PEACHTREE PKWY, PEACHTREE CORNERS, GA 30092-3336

Mortgage

Document Number	0004308509
Date	Jul 21, 2022
Instrument	4308/509

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	8.25%
Type Change Date	Aug 1, 2029
Change Frequency	6 Months
Min Rate At Change	7.72%
Max Rate At Change	13.2%
Index	Other
Margin	4
Max Rate	13.2%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1871 ESPLANADE ST, NAVARRE, FL 32566-1001
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040461711
Date	Dec 22, 2020
Book Page	4046/1711
Instrument	202069566

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	322 Months
Due	Oct 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		$275,377 (+6.92%) Land $64,000 Building $211,377	$275,377 (+6.92%) Land $64,000 Building $211,377
2024	$3,080.00 (-0.9%)	$257,550 (+0.36%) Land $60,000 Building $197,550	$257,550 (+0.36%) Land $60,000 Building $197,550
2023	$3,108.00 (+82.18%) Homeowner's exemption	$256,622 (+48.43%) Land $60,000 Building $196,622	$256,622 (+16.21%) Land $60,000 Building $196,622
2022	$1,706.00 Homeowner's exemption	$172,893	$220,824 Land $36,000 Building $184,824

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1871 Esplanade 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

Wildfire risk around 1871 Esplanade 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 273 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

May also be available: Cox Communications.

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