Santa Rosa County property record for 1957 Sparrow Ln, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,609 sqft · built 1989 |
| Lot Size | 0.458 acres (19,994 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $162,500 (Jun 2015) |
| Tax Bill | $1,508 (2024) |
| Deeds & Mortgages | Feb 2021 Mortgage Feb 2017 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 18-2S-26-1920-01600-0120 |
| Primary APN | 18-2S-26-1920-01600-0120 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,609 sqft Heated Area |
| Gross Area | 2,697 sqft |
| 1st Floor Area | 2,131 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 19,994 sqft (0.458 acres) |
| Lot Dimensions | 2,000 ft deep x 1,000 ft wide |
| Garage Area | 522 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 54 sqft |
| Patio Area | 512 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 182S261920016000120 |
|---|---|
| Street Address | 1957 SPARROW LN |
| City | NAVARRE |
| State | FL |
| Zip | 32566-8555 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOLLEY BY THE SEA LOT 12 BLK 16 AS DES IN OR 3437 PG 1484 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 18 |
| Legal Subdivision | BY THE SEA |
| Legal Block | 16 |
| Legal Lot Number | 12 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2053 |
| Census Tract | 10820 |
1957 Sparrow Ln is owned and occupied by two individuals who bought it in June 2015.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1957 SPARROW LN, NAVARRE, FL 32566-8555 |
| 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 |
|---|---|
| Feb 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED FINANCE INC |
| Feb 15, 2017 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 24, 2019 | Deed of Trust, Mortgage · FHA Mortgage EMBRACE HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 19, 2015 · Amount on File |
| Deed Sale | Jun 19, 2015 · Amount on File |
| Prior Sale | Jun 3, 2011 · Amount on File |
| Deed Document Number | 201522005 |
| Deed Book / Page | 3437 / 1484 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 1957 SPARROW LN, NAVARRE, FL 32566-8555 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1957 SPARROW LN, NAVARRE, FL 32566-8555 |
| Document Number | 0040751087 |
|---|---|
| Date | Feb 23, 2021 |
| Book Page | 4075/1087 |
| Instrument | 202111463 |
| Name | UNITED FINANCE INC |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 1957 SPARROW LN, NAVARRE, FL 32566-8555 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0035990207 |
|---|---|
| Date | Feb 15, 2017 |
| Book Page | 3599/0207 |
| Instrument | 201706006 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 344 Months |
| Due | Oct 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 1957 SPARROW LN, NAVARRE, FL 32566-8555 |
| Document Number | 0038661923 |
| Instrument Date | Aug 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2019 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE |
| Name | Verified Name |
|---|---|
| Address | 1957 SPARROW LN NAVARRE FL 325668555, NAVARRE, FL 32566-8555 |
| Document Number | 0038661923 |
|---|---|
| Date | Sep 5, 2019 |
| Book Page | 003866/001923 |
| Instrument | 39487 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 4, 2049 |
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 | $1,508.00 (+2.86%) Homeowner's exemption | $157,458 (+3%) | $254,907 (+5.06%) Land $75,000 Building $179,907 |
| 2023 | $1,466.00 (+3.24%) Homeowner's exemption | $152,872 (+3%) | $242,641 (+10.83%) Land $65,000 Building $177,641 |
| 2022 | $1,420.00 Homeowner's exemption | $148,419 | $218,921 Land $50,000 Building $168,921 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1957 Sparrow Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 | 40.2 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 215 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 215 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 1957 Sparrow Ln is moderate, ranking above 43% of the US, with a 0.06% 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 | 0.06% annual chance |
| Exposure | None beyond ember reach |
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 121 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 |
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