6645 Liberty St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 6645 Liberty St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,384 sqft · built 2005
Lot Size	0.458 acres (19,994 sqft)
Owner	Individual Name on Record
Last Sale	$508,000 (Aug 2022)
Tax Bill	$3,725 (2024)
Deeds & Mortgages	Oct 2021 Mortgage Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1920-05400-0200`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1920-05400-0200`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,384 sqft Heated Area
Gross Area	3,354 sqft
1st Floor Area	2,846 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	19,994 sqft (0.458 acres)
Lot Dimensions	2,000 ft deep x 1,000 ft wide
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	508 sqft
Patio Area	168 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	182S261920054000200
Street Address	6645 LIBERTY ST
City	NAVARRE
State	FL
Zip	32566-8220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLEY BY THE SEA LOT 20 BLK 54 AS DES IN OR 4312 PG 1397
Legal Range	26W
Legal Township	02S
Legal Section	18
Legal Subdivision	BY THE SEA
Legal Block	54
Legal Lot Number	20
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2034
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	6645 LIBERTY ST, NAVARRE, FL 32566-8220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Aug 3, 2022	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Aug 31, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2022 · Amount on Record
Deed Sale	Aug 3, 2022 · Amount on Record
Prior Sale	Dec 16, 2010 · Amount on Record
Deed Document Number	202245582
Deed Book / Page	4312 / 1397
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6645 LIBERTY ST, NAVARRE, FL 32566-8220
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041941721
Date	Oct 18, 2021
Book Page	4194/1721
Instrument	202169639

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 3, 2022
Property Address	6645 LIBERTY ST, NAVARRE, FL 32566-8220
Document Number	0043121397
Book / Page	4312 / 1397
Map Reference	MB B PG 155
Instrument Date	Jul 22, 2022
Instrument	202245582
Transaction Type	Transfer
Record Updated	Sep 9, 2022
Title Company	ACER TITLE AND ESCROW LLC, ANCHOR TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,556.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2364 HILTON DR, 2364, NAVARRE, FL 32566-7674

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6645 LIBERTY ST, NAVARRE, FL 32566-8220

Mortgage

Document Number	0043121399
Date	Aug 3, 2022
Instrument	4312/1399

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6645 LIBERTY ST, NAVARRE, FL 32566-8220
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039971600
Date	Aug 31, 2020
Book Page	3997/1600
Instrument	202044887

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

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	$3,725.00 (+2.03%) Homeowner's exemption	$346,357 (+3%)	$348,478 (+3.63%) Land $75,000 Building $273,478
2023	$3,651.00 (+1,801.56%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$336,269 (+53.02%) Land $65,000 Building $271,269	$336,269 (+7.67%) Land $65,000 Building $271,269
2022	$192.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$219,753	$312,306 Land $50,000 Building $262,306

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 500 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 65% of the US · above 41% of Florida
Wildfire Likelihood	0.2% 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.

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 146 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

Cell Coverage

5G (outdoors only) and 4G LTE

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