2524 Bluewater Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2524 Bluewater Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,235 sqft · built 1998
Lot Size	0.93 acres (40,511 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Mar 2018)
Tax Bill	$3,406 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-2S-26-5689-01000-0070`

Property Details

APN / Parcel Number

Primary APN	`11-2S-26-5689-01000-0070`
Alternative APN	`S262115689010000070`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,235 sqft Living Area
Gross Area	3,003 sqft
1st Floor Area	2,235 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	40,511 sqft (0.93 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	327 sqft
Patio Area	196 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2524 BLUEWATER DR
City	NAVARRE
State	FL
Zip	32566-2511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WHISPERING PINES ESTATES PHASE II LOT 7 BLK 10 AS DES IN OR 3713 PG 1906
Legal Range	26W
Legal Township	2S
Legal Section	11
Legal Subdivision	WHISPERING PINES/REV
Legal Block	10
Legal Lot Number	7
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2026
Census Tract	10828

Owner

Source: Santa Rosa County records, as of December 8, 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	2524 BLUEWATER DR, NAVARRE, FL 32566-2511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2021	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Mar 28, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2018 · Amount on Record
Deed Sale	Mar 28, 2018 · Amount on Record
Prior Sale	Jan 22, 2003 · Amount on Record
Deed Document Number	201812147
Deed Book / Page	3713 / 1906
Prior Transfer Date	Feb 17, 2010
Prior Transfer Doc	0029641809
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2524 BLUEWATER DR, NAVARRE, FL 32566-2511
Transaction Type	Mortgage
Record Updated	Jun 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041080823
Date	Apr 23, 2021
Book Page	4108/823
Instrument	202127046

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

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

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 28, 2018
Property Address	2524 BLUEWATER DR, NAVARRE, FL 32566-2511
Document Number	0037131906
Book / Page	003713 / 001906
Instrument Date	Mar 16, 2018
Instrument	12147
Transaction Type	Transfer
Record Updated	Apr 10, 2018
Title Company	PANHANDLE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2524 BLUEWATER DR NAVARRE FL 325662511, NAVARRE, FL 32566-2511

Mortgage

Document Number	37131907
Date	Mar 28, 2018
Book Page	003713/001907
Instrument	12148

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 27, 2048

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		$329,589 (+2.9%)	$399,536 (+3.97%) Land $100,000 Building $299,536
2024	$3,406.00 (+2.07%) Homeowner's exemption	$320,300 (+3%)	$384,290 (+6.4%) Land $100,000 Building $284,290
2023	$3,337.00 (+2.58%) Homeowner's exemption	$310,971 (+3%)	$361,158 (+10.63%) Land $80,000 Building $281,158
2022	$3,253.00 Homeowner's exemption	$301,913	$326,447 Land $50,000 Building $276,447

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 114 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	114 in force
Nearby Flood Claims	10 (2004–2024)
Claims Outside the SFHA	3 of 10
Most Recent Claim	Jun 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 7 claims Hurricane Frances, Sep 2004 · 2 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	Moderate above 60% of the US · lower than 66% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 127 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bluewater Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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