2808 Shoni Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2808 Shoni Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,417 sqft · built 2010
Lot Size	0.418 acres (18,208 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Apr 2025)
Tax Bill	$4,228 (2024)
Deeds & Mortgages	Apr 2025 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`10-2S-27-5635-00A00-0150`

Property Details

APN / Parcel Number

Primary APN	`10-2S-27-5635-00A00-0150`
Alternative APN	`S27210563500A000150`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,417 sqft Living Area
Gross Area	3,123 sqft
1st Floor Area	2,417 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	18,208 sqft (0.418 acres)
Lot Dimensions	240 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	211 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2808 SHONI DR
City	NAVARRE
State	FL
Zip	32566-8017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WATERSTONE LOT 15 BLK A AS DES IN OR 4601 PG 509
Legal Range	27W
Legal Township	2S
Legal Section	10
Legal Subdivision	WATERSTONE
Legal Block	A
Legal Lot Number	15
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1012
Census Tract	10820

Owner

2808 Shoni Dr is owned and occupied by an individual who bought it in April 2025.

Source: Santa Rosa County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	2808 SHONI DR, NAVARRE, FL 32566-8017
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2025 · Amount on File
Deed Sale	Apr 1, 2025 · Amount on File
Prior Sale	Dec 22, 2010 · Amount on File
Deed Document Number	202514111
Deed Book / Page	4601 / 509
Prior Transfer Date	Mar 11, 2025
Prior Transfer Doc	0046010093
Record Updated	Jun 8, 2026

April 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 1, 2025
Property Address	2808 SHONI DR, NAVARRE, FL 32566-8017
Document Number	0046010509
Book / Page	4601 / 509
Map Reference	MB 10 PG 2-4
Instrument Date	Mar 31, 2025
Instrument	202514111
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	RADIAN STLMT SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8320 MEADOW SWEET LN, FORT WORTH, TX 76123-5038

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2808 SHONI DR, NAVARRE, FL 32566-8017

Mortgage

Document Number	0004601512
Date	Apr 1, 2025
Instrument	4601/512

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2055

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		$356,616 (+2.26%) Land $50,000 Building $306,616	$356,616 (+2.26%) Land $50,000 Building $306,616
2024	$4,228.00 (+3.42%)	$348,749 (+0.74%) Land $50,000 Building $298,749	$348,749 (+0.74%) Land $50,000 Building $298,749
2023	$4,088.00 (+8.06%)	$346,199 (+8.8%) Land $50,000 Building $296,199	$346,199 (+8.8%) Land $50,000 Building $296,199
2022	$3,783.00	$318,206	$318,206 Land $45,000 Building $273,206

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

Flood

FEMA maps place 2808 Shoni Dr 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	11.9 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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	Hurricane Sally, Sep 2020 · 35 claims Hurricane Frances, Sep 2004 · 11 claims Hurricane Opal, Oct 1995 · 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 2808 Shoni Dr is moderate, ranking above 42% 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 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.

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 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