Santa Rosa County property record for 2803 Shoni Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,261 sqft · built 2008 |
| Lot Size | 0.306 acres (13,329 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $360,000 (Oct 2021) |
| Tax Bill | $3,311 (2024) |
| Deeds & Mortgages | Feb 2026 Transfer Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-2S-27-5635-00B00-0180 |
| Primary APN | 10-2S-27-5635-00B00-0180 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,261 sqft Living Area |
| Gross Area | 2,865 sqft |
| 1st Floor Area | 2,261 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 13,329 sqft (0.306 acres) |
| Lot Dimensions | 187 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 50 sqft |
| Patio Area | 134 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2803 SHONI DR |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-8018 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | WATERSTONE BLK B LOT 18 AS DES IN OR 4199 PG 448 |
| Legal Range | 27W |
| Legal Township | 2S |
| Legal Section | 10 |
| Legal Subdivision | WATERSTONE |
| Legal Block | B |
| Legal Lot Number | 18 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 10820 |
Source: Santa Rosa County records, as of February 25, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 426 KELSEY DR, CLARKSVILLE, TN 37042-6167 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Feb 2, 2026 | Intrafamily Transfer, Transfer CLOSING AGCY EMERALD COAST L |
| Oct 26, 2021 | Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 26, 2021 · Amount on Record |
| Deed Sale | Oct 26, 2021 · Amount on Record |
| Prior Sale | Dec 3, 2008 · Amount on Record |
| Deed Document Number | 202171875 |
| Deed Book / Page | 4199 / 448 |
| Last Transfer Date | Sep 8, 2025 |
| Transfer Doc | 0047040351 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Feb 2, 2026 |
| Property Address | 2803 SHONI DR, NAVARRE, FL 32566-8018 |
| Document Number | 0047040351 |
| Book / Page | 4704 / 351 |
| Map Reference | MB 10 PG 2 |
| Instrument Date | Sep 8, 2025 |
| Instrument | 202605049 |
| Transaction Type | Transfer |
| Record Updated | Feb 26, 2026 |
| Title Company | CLOSING AGCY EMERALD COAST L |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1114 WHITNEY DRIVE, CLARKSVILLE, TN 37042-2985 |
| Name | Verified Name |
|---|---|
| Address | 426 KELSEY DR, CLARKSVILLE, TN 37042-6167 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Oct 26, 2021 |
| Property Address | 2803 SHONI DR, NAVARRE, FL 32566-8018 |
| Document Number | 0041990448 |
| Book / Page | 4199 / 448 |
| Map Reference | MB 10 PG 2 |
| Instrument Date | Oct 21, 2021 |
| Instrument | 202171875 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2021 |
| Title Company | RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,520.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1008 SISKE RD, 1008, ORCHARD BEACH, MD 21226-2039 |
| Name | Verified Name |
|---|---|
| Address | 2803 SHONI DR, NAVARRE, FL 32566-8018 |
| Document Number | 4199451 |
|---|---|
| Date | Oct 26, 2021 |
| Instrument | 4199/451 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| 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 |
|---|---|---|---|
| 2025 | $317,463 (+2.9%) | $325,782 (+2.15%) Land $50,000 Building $275,782 | |
| 2024 | $3,311.00 (+2.22%) Homeowner's exemption | $308,516 (+3%) | $318,934 (+0.71%) Land $50,000 Building $268,934 |
| 2023 | $3,239.00 (+2.53%) Homeowner's exemption | $299,530 (+3%) | $316,675 (+8.9%) Land $50,000 Building $266,675 |
| 2022 | $3,159.00 Homeowner's exemption | $290,806 | $290,806 Land $45,000 Building $245,806 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 311 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 311 in force |
| Nearby Flood Claims | 49 (1995–2020) |
| Claims Outside the SFHA | 1 of 49 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 274 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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