1944 Seagrape Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 1944 Seagrape Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,504 sqft · built 2020
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$394,500 (Jul 2020)
Tax Bill	$225 (2024)
Deeds & Mortgages	Nov 2019 Construction Loan Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1920-26200-0030`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1920-26200-0030`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,504 sqft Heated Area
Gross Area	3,445 sqft
1st Floor Area	3,204 sqft
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2020
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	20,038 sqft (0.46 acres)
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	241 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	182S261920262000030
Street Address	1944 SEAGRAPE DR
City	NAVARRE
State	FL
Zip	32566-7628
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLEY BY THE SEA LOT 3 BLK 262 AS DES IN OR 3972 PG 1023
Legal Range	26W
Legal Township	02S
Legal Section	18
Legal Subdivision	BY THE SEA
Legal Block	262
Legal Lot Number	3
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1003
Census Tract	10821

Owner

1944 Seagrape Dr is owned and occupied by an individual who bought it in July 2020.

Source: Santa Rosa County records, as of October 27, 2025

Owner of Record	Individual Name on File
Mailing Address	1944 SEAGRAPE DR, NAVARRE, FL 32566-7628
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2019	Deed of Trust, Mortgage · Construction Mortgage FNBT BANK
Jul 6, 2020	Warranty Deed, Subdivision Related Transfer · VA Mortgage PRIVATE INDIVIDUAL
Sep 17, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2020 · Amount on File
Deed Sale	Jul 6, 2020 · Amount on File
Prior Sale	Sep 17, 2019 · Amount on File
Deed Document Number	202033045
Deed Book / Page	3972 / 1023
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1944 SEAGRAPE DR, NAVARRE, FL 32566-7628
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038880649
Date	Nov 8, 2019
Book Page	3888/0649
Instrument	201950448

Lender

Name	FNBT BANK
Type	Bank
Address	FORT WALTON BEACH, FL 32549

Agreement

Type	Construction Mortgage
Amount	Amount on Record

July 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 6, 2020
Property Address	1944 SEAGRAPE DR, NAVARRE, FL 32566-7628
Document Number	0039721023
Book / Page	003972 / 001023
Instrument Date	Jun 30, 2020
Instrument	33045
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 6, 2020
Title Company	COTTON LAND TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,762.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1944 SEAGRAPE DR NAVARRE FL 325667628, NAVARRE, FL 32566-7628

Mortgage

Document Number	39721025
Date	Jul 6, 2020
Book Page	003972/001025
Instrument	33047

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	PENSACOLA, FL 32501

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 17, 2019
Property Address	1944 SEAGRAPE DR, NAVARRE, FL 32566-7628
Document Number	0038701925
Book / Page	003870 / 001925
Instrument Date	Sep 11, 2019
Instrument	41540
Transaction Type	Transfer
Record Updated	Nov 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$469.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8173 E BAY BLVD #A NAVARRE FL 325668977, A, NAVARRE, FL 32566-8977

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$225.00 (-94.53%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$392,217 (+3%)	$459,737 (+3.11%) Land $75,000 Building $384,737
2023	$4,113.00 (+6.28%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$380,793 (+6.5%)	$445,879 (+9.98%) Land $65,000 Building $380,879
2022	$3,870.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$357,566	$405,407 Land $50,000 Building $355,407

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

Flood

FEMA maps place 1944 Seagrape Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims 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 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

Wildfire risk around 1944 Seagrape Dr is moderate, ranking above 43% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
LiveOak Fiber Fiber	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: Ripple Broadband.

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