Santa Rosa County property record for 2820 Shoni Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,678 sqft · built 2010 |
| Lot Size | 0.312 acres (13,591 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $291,000 (Mar 2019) |
| Tax Bill | $2,682 (2024) |
| Deeds & Mortgages | Mar 2019 Sale & Mortgage Mar 2017 Loan Modification |
| Flood Zone | Zone AE (high risk) |
| APN | 10-2S-27-5635-00A00-0130 |
| Primary APN | 10-2S-27-5635-00A00-0130 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,678 sqft Living Area |
| Gross Area | 3,496 sqft |
| 1st Floor Area | 1,402 sqft |
| Upper Floors Area | 1,276 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 13,591 sqft (0.312 acres) |
| Lot Dimensions | 184 ft deep x 74 ft wide |
| Garage Type | Attached |
| Garage Area | 446 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 52 sqft |
| Deck Area | 320 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2820 SHONI DR |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-8017 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | *ENHANCED LIFE ESTATE* RES IN: WATERSTONE BLK A LOT 13 AS DES IN OR 3809 PG 197 & AS DES IN OR 4584 PG 1226 |
| Legal Range | 27W |
| Legal Township | 2S |
| Legal Section | 10 |
| Legal Subdivision | WATERSTONE |
| Legal Block | A |
| Legal Lot Number | 13 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 10820 |
2820 Shoni Dr is owned and occupied by two individuals who acquired it in February 2025.
Source: Santa Rosa County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2820 SHONI DR, NAVARRE, FL 32566-8017 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 6, 2019 | Warranty Deed, Transfer · Conventional Mortgage EGLIN FCU |
| Mar 16, 2017 | Loan Modification, Mortgage · Conventional with PMI PENNYMAC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 6, 2019 · Amount on File |
| Deed Sale | Mar 6, 2019 · Amount on File |
| Prior Sale | Apr 29, 2011 · Amount on File |
| Deed Document Number | 20198590 |
| Deed Book / Page | 3809 / 197 |
| Last Transfer Date | Feb 5, 2025 |
| Transfer Doc | 0045841226 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 6, 2019 |
| Property Address | 2820 SHONI DR, NAVARRE, FL 32566-8017 |
| Document Number | 0038090197 |
| Book / Page | 3809 / 0197 |
| Map Reference | MB 10 PG 2-4 |
| Instrument Date | Feb 28, 2019 |
| Instrument | 201908590 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | OLD SOUTH LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,037.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 340 HARRIS ST, 340, MARY ESTHER, FL 32569-2276 |
| Name | Verified Name |
|---|---|
| Address | 2820 SHONI DR, NAVARRE, FL 32566-8017 |
| Document Number | 0201908591 |
|---|---|
| Date | Mar 6, 2019 |
| Instrument | 201908591 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2820 SHONI DR, NAVARRE, FL 32566-8017 |
| Document Number | 0036291145 |
| Book / Page | 003629 / 001145 |
| Instrument Date | Mar 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2017 |
| Name | Verified Name |
|---|---|
| Address | 2820 SHONI DR NAVARRE FL 325668017, NAVARRE, FL 32566-8017 |
| Document Number | 0036291145 |
|---|---|
| Date | Jun 2, 2017 |
| Book Page | 003629/001145 |
| Instrument | 22117 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
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 | $256,044 (+2.9%) | $372,293 (+2.1%) Land $50,000 Building $322,293 | |
| 2024 | $2,682.00 (+2.52%) Homeowner's exemption | $248,828 (+3%) | $364,625 (+0.57%) Land $50,000 Building $314,625 |
| 2023 | $2,616.00 (+2.75%) Homeowner's exemption | $241,581 (+3%) | $362,551 (+8.74%) Land $50,000 Building $312,551 |
| 2022 | $2,546.00 Homeowner's exemption | $234,545 | $333,422 Land $45,000 Building $288,422 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2820 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 |
|
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 risk around 2820 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.
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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