Santa Rosa County property record for 6570 Kempton St, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,167 sqft · built 2011 |
| Lot Size | 0.459 acres (19,994 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $234,900 (Dec 2011) |
| Tax Bill | $190 (2024) |
| Deeds & Mortgages | Oct 2021 Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2S-26-1920-07600-0020 |
| Primary APN | 18-2S-26-1920-07600-0020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,167 sqft Living Area |
| Gross Area | 3,157 sqft |
| 1st Floor Area | 2,167 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 19,994 sqft (0.459 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 276 sqft |
| Patio Area | 252 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 6570 KEMPTON ST |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-8359 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOLLEY BY THE SEA LOT 2 BLK 76 AS DES IN OR 3097 PG 1051 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 18 |
| Legal Subdivision | HOLLEY SEA/1ST AMD |
| Legal Block | 76 |
| Legal Lot Number | 2 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1059 |
| Census Tract | 10820 |
6570 Kempton St is owned and occupied by two individuals who bought it in December 2011.
Source: Santa Rosa County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6570 KEMPTON ST, NAVARRE, FL 32566-8359 |
| 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 |
|---|---|
| Oct 5, 2021 | Deed of Trust, Mortgage · VA Mortgage PENTAGON FCU |
| Aug 4, 2020 | Deed of Trust, Mortgage · VA Mortgage PENTAGON FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 2011 · Amount on File |
| Deed Sale | Dec 2, 2011 · Amount on File |
| Prior Sale | Nov 7, 2011 |
| Deed Document Number | 201141071 |
| Deed Book / Page | 3097 / 1051 |
| Prior Transfer Date | Oct 31, 2011 |
| Prior Transfer Doc | 0030921122 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 6570 KEMPTON ST, NAVARRE, FL 32566-8359 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2024 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 6570 KEMPTON ST, NAVARRE, FL 32566-8359 |
| Document Number | 0041880430 |
|---|---|
| Date | Oct 5, 2021 |
| Book Page | 4188/430 |
| Instrument | 202166265 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 6558 KEMPTON ST, NAVARRE, FL 32566 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 6570 KEMPTON ST, NAVARRE, FL 32566-8359 |
| Document Number | 0039851045 |
|---|---|
| Date | Aug 4, 2020 |
| Book Page | 3985/1045 |
| Instrument | 202039066 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2050 |
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 | $273,912 (+24.49%) | $410,908 (+15.37%) Land $75,000 Building $335,908 | |
| 2024 | $190.00 (-91.38%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $220,031 (+3%) | $356,170 (+3.62%) Land $75,000 Building $281,170 |
| 2023 | $2,205.00 (+2.85%) Homeowner's exemption | $213,622 (+3%) | $343,733 (+7.7%) Land $65,000 Building $278,733 |
| 2022 | $2,144.00 Homeowner's exemption | $207,400 | $319,163 Land $50,000 Building $269,163 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6570 Kempton St in Zone X, an area of minimal flood risk, though there have been 49 flood claims nearby since 1995.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 6570 Kempton St is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | MIDWAY WATER SYSTEM, INC. serves 21,196 people · EPA ID FL1570470 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 180 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 |
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