2548 Bluewater Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2548 Bluewater Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,409 sqft · built 2014
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Trust Names on File
Last Sale	$570,000 (Apr 2026)
Tax Bill	$3,133 (2024)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-2S-26-5689-01000-0110`

Property Details

APN / Parcel Number

Primary APN	`11-2S-26-5689-01000-0110`
Alternative APN	`S262115689010000110`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,409 sqft Living Area
Gross Area	3,531 sqft
1st Floor Area	2,409 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	39,204 sqft (0.9 acres)
Garage Type	Attached
Garage Area	725 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Open Porch
Porch Area	397 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2548 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 ESTS PHS II LOT 11 BLK 10 AS DES IN OR 3300 PG 1361
Legal Range	26W
Legal Township	2S
Legal Section	11
Legal Subdivision	WHISPERING PINES/REV
Legal Block	10
Legal Lot Number	11
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2026
Census Tract	10828

Owner

2548 Bluewater Dr is owner-occupied and held in a trust since April 2026.

Source: Santa Rosa County records, as of May 6, 2026

Owner of Record	2 Trust Names on File
Mailing Address	2548 BLUEWATER DR, NAVARRE, FL 32566-2511
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Apr 10, 2026	Warranty Deed, Transfer · Conventional Mortgage U S BANK N A
Apr 10, 2026	Warranty Deed, Transfer · Conventional Mortgage US BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2026 · Amount on File
Deed Sale	Apr 10, 2026 · Amount on File
Prior Sale	Oct 31, 2013 · Amount on File
Deed Document Number	202617875
Deed Book / Page	4730 / 1547
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 10, 2026
Property Address	2548 BLUEWATER DR, NAVARRE, FL 32566-2511
Document Number	0000017875
Book / Page	4730 / 1547
Instrument Date	Mar 12, 2026
Instrument	2026.17875
Transaction Type	Transfer
Record Updated	May 7, 2026
Title Company	CURE TITLE, PURE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$402,990.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	2548 BLUEWATER DR, NAVARRE, FL 32566-2511

Mortgage

Document Number	0000017876,
Date	Apr 10, 2026
Instrument	2026..17876

Lender

Name	U S BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 10, 2026
Property Address	2548 BLUEWATER DR, NAVARRE, FL 32566-2511
Document Number	0047301547
Book / Page	4730 / 1547
Instrument Date	Mar 12, 2026
Instrument	202617875
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	PURE TITLE LLC, PURE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$402,990.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	2548 BLUEWATER DR, NAVARRE, FL 32566-2511

Mortgage

Document Number	0000017876,
Date	Apr 10, 2026
Instrument	202617876

Lender

Name	US BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

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		$306,925 (+2.9%)	$478,135 (+7.52%) Land $100,000 Building $378,135
2024	$3,133.00 (+11.45%) Homeowner's exemption Disabled Person's exemption	$298,275 (+11.4%)	$444,709 (+11.34%) Land $100,000 Building $344,709
2023	$2,811.00 (+2.78%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$267,743 (+3%)	$399,403 (+9.56%) Land $80,000 Building $319,403
2022	$2,735.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$259,945	$364,548 Land $50,000 Building $314,548

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

FEMA maps place 2548 Bluewater Dr in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 2004.

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 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

Wildfire risk around 2548 Bluewater Dr is moderate, ranking above 60% of the US, with a 0.2% annual chance of 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

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