6638 Liberty St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 6638 Liberty St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,962 sqft · built 2015
Lot Size	0.458 acres (19,994 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (May 2018)
Tax Bill	$247 (2024)
Deeds & Mortgages	Apr 2020 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1920-05700-0080`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1920-05700-0080`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,962 sqft Heated Area
Gross Area	3,772 sqft
1st Floor Area	3,382 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	19,994 sqft (0.458 acres)
Lot Dimensions	2,000 ft deep x 1,000 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	390 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	182S261920057000080
Street Address	6638 LIBERTY ST
City	NAVARRE
State	FL
Zip	32566-8219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLEY BY THE SEA LOT 8 BLK 57 AS DES IN OR 3733 PG 18
Legal Range	26W
Legal Township	02S
Legal Section	18
Legal Subdivision	BY THE SEA
Legal Block	57
Legal Lot Number	8
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2020
Census Tract	10820

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	6638 LIBERTY ST, NAVARRE, FL 32566-8219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2020	Deed of Trust, Mortgage · VA Mortgage UNIVERSITY LNDG
May 31, 2018	Warranty Deed, Transfer · VA Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2018 · Amount on Record
Deed Sale	May 31, 2018 · Amount on Record
Prior Sale	May 14, 2015 · Amount on Record
Deed Document Number	201822216
Deed Book / Page	3733 / 0018
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6638 LIBERTY ST, NAVARRE, FL 32566-8219
Document Number	0039441573
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6638 LIBERTY ST NAVARRE FL 325668219, NAVARRE, FL 32566-8219

Mortgage

Document Number	0039441573
Date	Apr 30, 2020
Book Page	003944/001573
Instrument	20233

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 31, 2018
Property Address	6638 LIBERTY ST, NAVARRE, FL 32566-8219
Document Number	0037330018
Book / Page	003733 / 000018
Instrument Date	May 29, 2018
Instrument	22216
Transaction Type	Transfer
Record Updated	Aug 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6638 LIBERTY ST NAVARRE FL 325668219, NAVARRE, FL 32566-8219

Mortgage

Document Number	37330022
Date	May 31, 2018
Book Page	003733/000022
Instrument	22217

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AZ 72201

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2048

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	$247.00 (-92.56%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$314,771 (+3%)	$439,252 (+3.11%) Land $75,000 Building $364,252
2023	$3,322.00 (+2.66%) Homeowner's exemption	$305,603 (+3%)	$425,993 (+9.27%) Land $65,000 Building $360,993
2022	$3,236.00 Homeowner's exemption	$296,702	$389,855 Land $50,000 Building $339,855

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 215 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	215 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2020 · Hurricane Sally

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

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

Wildfire Risk	Moderate above 57% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% 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 130 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 · Fiber in parts of the area	1,000 / 50

May also be available: Ripple Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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