1973 Esplanade St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 1973 Esplanade St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,810 sqft · built 2020
Lot Size	0.228 acres (9,975 sqft)
Owner	2 Individual Names on Record
Last Sale	$284,900 (May 2020)
Tax Bill	$2,664 (2024)
Deeds & Mortgages	Feb 2021 Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-2S-26-2740-01200-0091`

Property Details

APN / Parcel Number

Primary APN	`21-2S-26-2740-01200-0091`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,810 sqft Heated Area
Gross Area	2,390 sqft
1st Floor Area	2,251 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	9,975 sqft (0.228 acres)
Lot Dimensions	2,000 ft deep x 500 ft wide
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	139 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	212S262740012000091
Street Address	1973 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 S2 OF LOT 9 BLK 12 AS DES IN OR 3954 PG 25 (OUT OF PLATTED LOT 9 FOR 2019)
Legal Range	26W
Legal Township	02S
Legal Section	21
Legal Subdivision	NAVARRE 1ST ADD
Legal Block	12
Legal Lot Number	9
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	3
Census Block	3008
Census Tract	10827

Owner

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

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	1973 ESPLANADE ST, NAVARRE, FL 32566-1062
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
May 22, 2020	Warranty Deed, Subdivision Related Transfer · VA Mortgage TRIDENT HM LNS
May 19, 2020	Warranty Deed, Subdivision Related Transfer · VA Mortgage MOVEMENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2020 · Amount on Record
Deed Sale	May 22, 2020 · Amount on Record
Deed Document Number	202024458
Deed Book / Page	3954 / 25
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1973 ESPLANADE ST, NAVARRE, FL 32566-1062
Transaction Type	Mortgage
Record Updated	Dec 21, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1973 ESPLANADE ST, NAVARRE, FL 32566-1062

Mortgage

Document Number	0040700254
Date	Feb 11, 2021
Book Page	4070/254
Instrument	202108953

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

May 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 22, 2020
Property Address	1973 ESPLANADE ST, NAVARRE, FL 32566-1062
Document Number	0039540025
Book / Page	003954 / 000025
Instrument Date	May 20, 2020
Instrument	24458
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 20, 2020
Title Company	COTTON LAND TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,994.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1973 ESPLANADE ST NAVARRE FL 325661062, NAVARRE, FL 32566-1062

Mortgage

Document Number	39540026
Date	May 22, 2020
Book Page	003954/000026
Instrument	24459

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	May 21, 2050

May 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 19, 2020
Property Address	1973 ESPLANADE ST, NAVARRE, FL 32566-1062
Document Number	0039521428
Book / Page	003952 / 001428
Instrument Date	May 18, 2020
Instrument	23785
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 20, 2020
Title Company	COTTON LAND TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,924.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1977 ESPLANADE ST NAVARRE FL 325661062, NAVARRE, FL 32566-1062

Mortgage

Document Number	39521429
Date	May 19, 2020
Book Page	003952/001429
Instrument	23786

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 18, 2050

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	$2,664.00 (+2.19%) Homeowner's exemption	$258,621 (+3%)	$311,342 (+0.84%) Land $60,000 Building $251,342
2023	$2,607.00 (+2.68%) Homeowner's exemption	$251,088 (+3%)	$308,734 (+14.15%) Land $60,000 Building $248,734
2022	$2,539.00 Homeowner's exemption	$243,775	$270,457 Land $36,000 Building $234,457

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

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% 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 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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