2862 Shoni Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2862 Shoni Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,678 sqft · built 2009
Lot Size	0.464 acres (20,212 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Aug 2013)
Tax Bill	$2,444 (2024)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`10-2S-27-5635-00A00-0060`

Property Details

APN / Parcel Number

Primary APN	`10-2S-27-5635-00A00-0060`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,678 sqft Heated Area
Gross Area	3,416 sqft
1st Floor Area	3,124 sqft
Upper Floors Area	1,276 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	20,212 sqft (0.464 acres)
Lot Dimensions	2,300 ft deep x 880 ft wide
Garage Area	446 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	52 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	102S27563500A000060
Street Address	2862 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 6 BLK A AS DES IN OR 3277 PG 1579
Legal Range	27W
Legal Township	02S
Legal Section	10
Legal Subdivision	WATERSTONE
Legal Block	A
Legal Lot Number	6
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1012
Census Tract	10820

Owner

2862 Shoni Dr is owned and occupied by an individual who bought it in August 2013.

Source: Santa Rosa County records, as of October 27, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2862 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	2 Names on Deed
Last Sale	Aug 13, 2013 · Amount on File
Deed Sale	Aug 13, 2013 · Amount on File
Prior Sale	Mar 4, 2010 · Amount on File
Deed Document Number	201346191
Deed Book / Page	3277 / 1579
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2862 SHONI DR, NAVARRE, FL 32566-8017
Transaction Type	Mortgage
Record Updated	Apr 20, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040720050
Date	Feb 16, 2021
Book Page	4072/50
Instrument	202109830

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$2,444.00 (+2.65%) Homeowner's exemption	$228,308 (+3%)	$359,809 (+0.56%) Land $50,000 Building $309,809
2023	$2,381.00 (+2.85%) Homeowner's exemption	$221,658 (+3%)	$357,807 (+8.73%) Land $50,000 Building $307,807
2022	$2,315.00 Homeowner's exemption	$215,202	$329,087 Land $45,000 Building $284,087

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

Flood

FEMA maps place 2862 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 2862 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.

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