6810 Liberty St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 6810 Liberty St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,410 sqft · built 1985
Lot Size	0.458 acres (19,994 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Nov 2019)
Tax Bill	$1,612 (2024)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1920-05900-0090`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1920-05900-0090`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,410 sqft Heated Area
Gross Area	2,021 sqft
1st Floor Area	1,735 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2005
Exterior Material	Stucco
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	325 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	54 sqft
Patio Area	232 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	182S261920059000090
Street Address	6810 LIBERTY ST
City	NAVARRE
State	FL
Zip	32566-8609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLEY BY THE SEA LOT 9 BLK 59 AS DES IN OR 3886 PG 141
Legal Range	26W
Legal Township	02S
Legal Section	18
Legal Subdivision	BY THE SEA
Legal Block	59
Legal Lot Number	9
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2018
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	6810 LIBERTY ST, NAVARRE, FL 32566-8609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2019 · Amount on Record
Deed Sale	Nov 1, 2019 · Amount on Record
Prior Sale	Mar 28, 2014 · Amount on Record
Deed Document Number	0003886141
Deed Book / Page	3886 / 141
Record Updated	Jun 8, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 1, 2019
Property Address	6810 LIBERTY ST, NAVARRE, FL 32566-8609
Document Number	0038860141
Book / Page	003886 / 000141
Instrument Date	Oct 30, 2019
Instrument	49267
Transaction Type	Transfer
Record Updated	Jan 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6810 LIBERTY ST NAVARRE FL 325668609, NAVARRE, FL 32566-8609

Mortgage

Document Number	38860143
Date	Nov 1, 2019
Book Page	003886/000143
Instrument	49268

Lender

Name	MORTGAGE ONE/SOUTH
Type	Mortgage Company
Address	FORT WALTON BEACH, FL 32548

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2049

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	$1,612.00 (+2.81%) Homeowner's exemption	$166,600 (+3%)	$250,622 (+4.42%) Land $75,000 Building $175,622
2023	$1,568.00 (+3.09%) Homeowner's exemption	$161,748 (+3%)	$240,012 (+14.05%) Land $65,000 Building $175,012
2022	$1,521.00 Homeowner's exemption	$157,037	$210,439 Land $50,000 Building $160,439

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 50% of the US · lower than 79% 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 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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