1945 Biscayne Blvd, Navarre, FL 32566 Property Records

Santa Rosa County property record for 1945 Biscayne Blvd, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,053 sqft · built 1996
Lot Size	0.655 acres (28,532 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,165,600 (Mar 2022)
Tax Bill	$9,928 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Nov 2025 Line of Credit + 5 more
Flood Zone	Zone AE (high risk)
APN	`23-2S-26-0365-00F00-0080`

Property Details

APN / Parcel Number

Primary APN	`23-2S-26-0365-00F00-0080`
Alternative APN	`S26223036500F000080`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,053 sqft Living Area
Gross Area	4,708 sqft
1st Floor Area	3,053 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2011
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	28,532 sqft (0.655 acres)
Lot Dimensions	287 ft deep x 110 ft wide
View / Lot	Sound
Garage Type	Attached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	383 sqft
Deck Area	224 sqft
Patio Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1945 BISCAYNE BLVD
City	NAVARRE
State	FL
Zip	32566-2968
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BISCAYNE POINTE LOT 8 BLK F AS DES IN OR 4254 PG 877 SUBJ TO ESMNTS
Legal Range	26W
Legal Township	2S
Legal Section	23
Legal Subdivision	BISCAYNE POINTE
Legal Block	F
Legal Lot Number	8
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1009
Census Tract	10827

Owner

Source: Santa Rosa County records, as of October 8, 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	1945 BISCAYNE BLVD, NAVARRE, FL 32566-2968
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2026	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NATIONAL BANK
Nov 26, 2025	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Oct 26, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Mar 4, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Sep 19, 2019	Warranty Deed, Transfer RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP
Sep 19, 2019	Warranty Deed, Transfer · VA Mortgage MORTGAGE ONE/SOUTH
Sep 21, 2017	Warranty Deed, Transfer · VA Mortgage TRIDENT HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2022 · Amount on Record
Deed Sale	Mar 4, 2022 · Amount on Record
Prior Sale	Sep 19, 2019 · Amount on Record
Deed Document Number	202213184
Deed Book / Page	4254 / 877
Prior Transfer Date	Jan 14, 2003
Prior Transfer Doc	2097000910
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 25, 2026
Property Address	1945 BISCAYNE BLVD, NAVARRE, FL 32566-2968
Document Number	0000048572
Book / Page	4792 / 1076
Instrument Date	Aug 18, 2026
Instrument	202648572
Transaction Type	Mortgage
Record Updated	Oct 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1945 BISCAYNE BLVD, NAVARRE, FL 32566-2968

Mortgage

Document Number	0000048572,
Date	Sep 25, 2026
Book Page	4792/1076
Instrument	202648572

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1945 BISCAYNE BLVD, NAVARRE, FL 32566-2968
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1945 BISCAYNE BLVD, NAVARRE, FL 32566-2968

Mortgage

Document Number	0046830479
Date	Nov 26, 2025
Book Page	4683/479
Instrument	202555487

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 5, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1945 BISCAYNE BLVD, NAVARRE, FL 32566-2968
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040200172
Date	Oct 26, 2020
Book Page	4020/172
Instrument	202055921

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 4, 2022
Property Address	1945 BISCAYNE BLVD, NAVARRE, FL 32566-2968
Document Number	0042540877
Book / Page	4254 / 877
Map Reference	MB E PG 99
Instrument Date	Mar 4, 2022
Instrument	202213184
Transaction Type	Transfer
Record Updated	Apr 8, 2022
Title Company	ALLURE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,159.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1945 BISCAYNE BLVD, 1945, NAVARRE, FL 32566-2968

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15270 34TH ST N, STILLWATER, MN 55082-6784

Mortgage

Document Number	0004254879
Date	Mar 4, 2022
Instrument	4254/879

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 19, 2019
Property Address	1945 BISCAYNE BLVD, NAVARRE, FL 32566-2968
Document Number	0038711878
Book / Page	003871 / 001878
Instrument Date	Sep 17, 2019
Instrument	42058
Transaction Type	Transfer
Record Updated	Dec 4, 2019
Title Company	RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	100 MAE DR KERRVILLE TX 780282608, KERRVILLE, TX 78028-2608

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 19, 2019
Property Address	1945 BISCAYNE BLVD, NAVARRE, FL 32566-2968
Document Number	0038711877
Book / Page	003871 / 001877
Instrument Date	Sep 17, 2019
Instrument	42057
Transaction Type	Transfer
Record Updated	Dec 4, 2019
Title Company	RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,099.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	100 MAE DR KERRVILLE TX 780282608, KERRVILLE, TX 78028-2608

Mortgage

Document Number	38711879
Date	Sep 19, 2019
Book Page	003871/001879
Instrument	42059

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2049

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 21, 2017
Property Address	1945 BISCAYNE BLVD, NAVARRE, FL 32566-2968
Document Number	0036630108
Book / Page	003663 / 000108
Instrument Date	Sep 18, 2017
Instrument	39293
Transaction Type	Transfer
Record Updated	Sep 29, 2017
Title Company	RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,675.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1945 BISCAYNE BLVD NAVARRE FL 325662968, NAVARRE, FL 32566-2968

Mortgage

Document Number	36630109
Date	Sep 21, 2017
Book Page	003663/000109
Instrument	39294

Lender

Name	TRIDENT HM LNS
Type	Funding / Finance Company
Address	GULF BREEZE, FL 32561

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 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	$9,928.00 (+3.26%) Homeowner's exemption	$883,705 (+2.9%)	$896,645 (+4.41%) Land $347,655 Building $548,990
2024	$9,615.00 (+1.7%) Homeowner's exemption	$858,800 (+3.07%) Land $347,655 Building $511,145	$858,800 (+3.07%) Land $347,655 Building $511,145
2023	$9,454.00 (+47.05%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$833,230 (+44.55%) Land $347,655 Building $485,575	$833,230 (+15.49%) Land $347,655 Building $485,575
2022	$6,429.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$576,420	$721,491 Land $347,655 Building $373,836

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 248 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	271 units insured incl. 23 condo units
Nearby Flood Claims	31 (1995–2020)
Claims Outside the SFHA	7 of 31
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 15 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 2 claims Hurricane Frances, Sep 2004 · 10 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	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.02% 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 171 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	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: LiveOak Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Biscayne Blvd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures