Santa Rosa County property record for 2832 Shoni Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,371 sqft · built 2010 |
| Lot Size | 0.396 acres (17,293 sqft) |
| Owner | Individual Name on File |
| Last Sale | $295,800 (Nov 2019) |
| Tax Bill | $271 (2024) |
| Deeds & Mortgages | Mar 2021 Mortgage Nov 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 10-2S-27-5635-00A00-0110 |
| Primary APN | 10-2S-27-5635-00A00-0110 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,371 sqft Heated Area |
| Gross Area | 3,272 sqft |
| 1st Floor Area | 2,812 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 17,293 sqft (0.396 acres) |
| Lot Dimensions | 2,370 ft deep x 730 ft wide |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 94 sqft |
| Deck Area | 366 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 102S27563500A000110 |
|---|---|
| Street Address | 2832 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 11 BLK A AS DES IN OR 3888 PG 50 |
| Legal Range | 27W |
| Legal Township | 02S |
| Legal Section | 10 |
| Legal Subdivision | WATERSTONE |
| Legal Block | A |
| Legal Lot Number | 11 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 10820 |
2832 Shoni Dr is owned and occupied by an individual who bought it in November 2019.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2832 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.
| Date | Document |
|---|---|
| Mar 17, 2021 | Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC |
| Nov 6, 2019 | Warranty Deed, Transfer · VA Mortgage PRIVATE INDIVIDUAL |
| May 10, 2017 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 6, 2019 · Amount on File |
| Deed Sale | Nov 6, 2019 · Amount on File |
| Prior Sale | May 10, 2017 · Amount on File |
| Deed Document Number | 201950252 |
| Deed Book / Page | 3888 / 0050 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2832 SHONI DR, NAVARRE, FL 32566-8017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 2832 SHONI DR, NAVARRE, FL 32566-8017 |
| Document Number | 0040881255 |
|---|---|
| Date | Mar 17, 2021 |
| Book Page | 4088/1255 |
| Instrument | 202117622 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Nov 6, 2019 |
| Property Address | 2832 SHONI DR, NAVARRE, FL 32566-8017 |
| Document Number | 0038880050 |
| Book / Page | 003888 / 000050 |
| Instrument Date | Nov 6, 2019 |
| Instrument | 50252 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2020 |
| Title Company | RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,071.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2832 SHONI DR NAVARRE FL 325668017, NAVARRE, FL 32566-8017 |
| Document Number | 38880051 |
|---|---|
| Date | Nov 6, 2019 |
| Book Page | 003888/000051 |
| Instrument | 50253 |
| Name | PRIVATE INDIVIDUAL |
|---|---|
| Type | Private Party |
| Address | GULF BREEZE, FL 32561 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 5, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 10, 2017 |
| Property Address | 2832 SHONI DR, NAVARRE, FL 32566-8017 |
| Document Number | 0036221885 |
| Book / Page | 3622 / 1885 |
| Map Reference | MB10 PG2 |
| Instrument Date | May 8, 2017 |
| Instrument | 201718448 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | RELIABBLE LAND TITLE CORP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,841.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2658 HARTMAN CT, 2658, NAVARRE, FL 32566-2570 |
| Name | Verified Name |
|---|---|
| Address | 547 PHILODENDRON, PUNTA GORDA, FL 33955-1046 |
| Document Number | 0201718449 |
|---|---|
| Date | May 10, 2017 |
| Instrument | 201718449 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2047 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| 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 |
|---|---|---|---|
| 2024 | $271.00 (+8.4%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $264,186 (+3%) | $340,368 (+0.73%) Land $50,000 Building $290,368 |
| 2023 | $250.00 (+5.04%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $256,491 (+3%) | $337,887 (+8.81%) Land $50,000 Building $287,887 |
| 2022 | $238.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $249,020 | $310,524 Land $45,000 Building $265,524 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2832 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 2832 Shoni Dr is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% 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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