3207 Calle de Cortez, Navarre, FL 32566 Property Records

Santa Rosa County property record for 3207 Calle de Cortez, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,686 sqft · built 1994
Lot Size	0.519 acres (22,608 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,395 (2024)
Deeds & Mortgages	Aug 2018 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`03-2S-27-3460-00C00-0130`

Property Details

APN / Parcel Number

Primary APN	`03-2S-27-3460-00C00-0130`
Alternative APN	`S27203346000C000130`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,686 sqft Living Area
Gross Area	4,135 sqft
1st Floor Area	1,714 sqft
Upper Floors Area	972 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	22,608 sqft (0.519 acres)
Lot Dimensions	223 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	849 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3207 CALLE DE CORTEZ
City	NAVARRE
State	FL
Zip	32566-8971
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ENHNCD LIFE EST RESRVD IN: LOT 13 BLK C ROBLEDAL ESTATES UNIT 3 AS DES IN OR 1259 PG 421 & OR 2961 PG 1197 & E-L/E RES IN OR 4624 PG 947
Legal Range	27W
Legal Township	2S
Legal Section	03
Legal Subdivision	ROBLEDAL EST UNIT 3
Legal Block	C
Legal Lot Number	13
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2014
Census Tract	10802

Owner

3207 Calle de Cortez is owned and occupied by two individuals who acquired it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3207 CALLE DE CORTEZ, NAVARRE, FL 32566-8971
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 1, 2025
Transfer Doc	0046240947
Record Updated	Jun 8, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3207 CALLE DE CORTEZ, NAVARRE, FL 32566-8971
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037610963
Date	Aug 30, 2018
Book Page	3761/0963
Instrument	201837250

Lender

Name	EGLIN FCU
Type	Credit Union
Address	FORT WALTON BEACH, FL 32547

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2038

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		$231,435 (+2.9%)	$387,037 (+9.08%) Land $71,500 Building $315,537
2024	$2,395.00 (+2.57%) Homeowner's exemption	$224,913 (+3%)	$354,831 (+0.92%) Land $60,500 Building $294,331
2023	$2,335.00 (+2.95%) Homeowner's exemption	$218,362 (+3%)	$351,594 (+3.17%) Land $60,500 Building $291,094
2022	$2,268.00 Homeowner's exemption	$212,001	$340,792 Land $55,000 Building $285,792

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

Flood

FEMA maps place 3207 Calle de Cortez in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 145 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	145 in force
Nearby Flood Claims	64 (1995–2020)
Claims Outside the SFHA	15 of 64
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 10 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 7 claims Hurricane Frances, Sep 2004 · 43 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 3207 Calle de Cortez is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20