6644 Liberty St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 6644 Liberty St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,698 sqft · built 2009
Lot Size	0.459 acres (19,994 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Jul 2018)
Tax Bill	$3,114 (2024)
Deeds & Mortgages	Mar 2020 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1920-05700-0070`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1920-05700-0070`
Alternative APN	`S262181920057000070`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,698 sqft Living Area
Gross Area	3,644 sqft
1st Floor Area	2,698 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
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	436 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	510 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	6644 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 7 BLK 57 AS DES IN OR 3744 PG 1868
Legal Range	26W
Legal Township	2S
Legal Section	18
Legal Subdivision	HOLLEY SEA/1ST AMD
Legal Block	57
Legal Lot Number	7
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 December 8, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	6644 LIBERTY ST, NAVARRE, FL 32566-8219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2020	Deed of Trust, Mortgage · VA Mortgage USAA
Jul 3, 2018	Warranty Deed, Transfer · VA Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2018 · Amount on File
Deed Sale	Jul 3, 2018 · Amount on File
Prior Sale	Jan 5, 2010 · Amount on File
Deed Document Number	201828471
Deed Book / Page	3744 / 1868
Prior Transfer Date	Jul 11, 2012
Prior Transfer Doc	0031600118
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6644 LIBERTY ST, NAVARRE, FL 32566-8219
Document Number	0039271252
Instrument Date	Mar 3, 2020
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6644 LIBERTY ST NAVARRE FL 325668219, NAVARRE, FL 32566-8219

Mortgage

Document Number	0039271252
Date	Mar 11, 2020
Book Page	003927/001252
Instrument	11880

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 10, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 3, 2018
Property Address	6644 LIBERTY ST, NAVARRE, FL 32566-8219
Document Number	0037441868
Book / Page	003744 / 001868
Instrument Date	Jun 29, 2018
Instrument	28471
Transaction Type	Transfer
Record Updated	Sep 5, 2018
Title Company	RELIABLE LAND TITLE CORPORATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,065.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6644 LIBERTY ST NAVARRE FL 325668219, NAVARRE, FL 32566-8219

Mortgage

Document Number	37441869
Date	Jul 3, 2018
Book Page	003744/001869
Instrument	28472

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2048

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		$299,365 (+2.9%)	$432,177 (+2.12%) Land $75,000 Building $357,177
2024	$3,114.00 (+2.23%) Homeowner's exemption	$290,928 (+3%)	$423,220 (+5.02%) Land $75,000 Building $348,220
2023	$3,046.00 (+2.66%) Homeowner's exemption	$282,453 (+3%)	$402,978 (+6.93%) Land $65,000 Building $337,978
2022	$2,967.00 Homeowner's exemption	$274,226	$376,871 Land $50,000 Building $326,871

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 File 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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