1903 Esplanade St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 1903 Esplanade St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,720 sqft · built 2018
Lot Size	0.229 acres (9,975 sqft)
Owner	2 Individual Names on File
Last Sale	$395,000 (Jul 2026)
Tax Bill	$3,287 (2025)
Deeds & Mortgages	Jul 2026 Sale May 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-2S-26-2740-01200-0180`

Property Details

APN / Parcel Number

Primary APN	`21-2S-26-2740-01200-0180`
Alternative APN	`S262212740012000180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,720 sqft Living Area
Gross Area	2,550 sqft
1st Floor Area	1,720 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	9,975 sqft (0.229 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	368 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1903 ESPLANADE ST
City	NAVARRE
State	FL
Zip	32566-1062
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2M
Legal Description	NAVARRE 1ST ADD LOT 18 BLK 12 LESS S2 OF LOT 18 BLK 12 (NOW #18.1 FOR 2017) ALL AS DES IN OR 4281 PG 458
Legal Range	26W
Legal Township	2S
Legal Section	21
Legal Subdivision	NAVARRE 1ST ADD
Legal Block	12
Legal Lot Number	18
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	3
Census Block	3008
Census Tract	10827

Owner

1903 Esplanade St is owned and occupied by two individuals who bought it in July 2026.

Source: Santa Rosa County records, as of August 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1903 ESPLANADE ST, NAVARRE, FL 32566-1062
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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
Jul 7, 2026	Warranty Deed, Transfer EMERALD COAST TITLE INC, EMERALD COAST TITLE
May 6, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 8, 2019	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Jan 3, 2019	Warranty Deed, Transfer · VA Mortgage MORTGAGE ONE/SOUTH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2026 · Amount on File
Deed Sale	Jul 7, 2026 · Amount on File
Prior Sale	May 6, 2022 · Amount on File
Deed Document Number	202634007
Deed Book / Page	4764 / 748
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 7, 2026
Property Address	1903 ESPLANADE ST, NAVARRE, FL 32566-1062
Document Number	0000034007
Book / Page	4764 / 748
Instrument Date	Jul 6, 2026
Instrument	202634007
Transaction Type	Transfer
Record Updated	Aug 5, 2026
Title Company	EMERALD COAST TITLE INC, EMERALD COAST TITLE

Transaction

Amount	Amount on Record
Tax	$279,265.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1903 ESPLANADE ST, NAVARRE, FL 32566-1062

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 6, 2022
Property Address	1903 ESPLANADE ST, NAVARRE, FL 32566-1062
Document Number	0042810458
Book / Page	4281 / 458
Map Reference	MB B PG 169
Instrument Date	May 5, 2022
Instrument	202227865
Transaction Type	Transfer
Record Updated	Jun 6, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 EDGEMEADE DR, 107, MONROEVILLE, PA 15146-1075

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1903 ESPLANADE ST, NAVARRE, FL 32566-1062

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1903 ESPLANADE ST, NAVARRE, FL 32566-1062
Document Number	0038830918
Instrument Date	Oct 8, 2019
Transaction Type	Mortgage
Record Updated	Jan 7, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1903 ESPLANADE ST NAVARRE FL 325661062, NAVARRE, FL 32566-1062

Mortgage

Document Number	0038830918
Date	Oct 24, 2019
Book Page	003883/000918
Instrument	47869

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2049

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 3, 2019
Property Address	1903 ESPLANADE ST, NAVARRE, FL 32566-1062
Document Number	0037941879
Book / Page	003794 / 001879
Instrument Date	Dec 28, 2018
Instrument	296
Transaction Type	Transfer
Record Updated	Feb 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1903 ESPLANADE ST NAVARRE FL 32566, NAVARRE, FL 32566

Mortgage

Document Number	37941881
Date	Jan 3, 2019
Book Page	003794/001881
Instrument	297

Lender

Name	MORTGAGE ONE/SOUTH
Type	Mortgage Company
Address	FORT WALTON BEACH, FL 32548

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1903 Esplanade St was $3,287 with a homeowner's exemption, up 3.5% from the year before.

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	$3,287.00 (+3.53%) Homeowner's exemption	$311,344 (+2.9%)	$323,963 (+7.07%) Land $64,000 Building $259,963
2024	$3,175.00 (-0.59%) Homeowner's exemption	$302,569 (+0.53%) Land $60,000 Building $242,569	$302,569 (+0.53%) Land $60,000 Building $242,569
2023	$3,194.00 (+50.45%) Homeowner's exemption	$300,975 (+45.11%) Land $60,000 Building $240,975	$300,975 (+15.58%) Land $60,000 Building $240,975
2022	$2,123.00 Homeowner's exemption	$207,411	$260,403 Land $36,000 Building $224,403

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

Flood

FEMA maps place 1903 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 1903 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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