Santa Rosa County property record for 6985 Gandy Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,992 sqft · built 2002 |
| Lot Size | 0.454 acres (19,776 sqft) |
| Owner | Individual Name on File |
| Last Sale | $127,193 (Jan 2013) |
| Tax Bill | $2,653 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 18-2S-26-1920-14600-0030 |
| Primary APN | 18-2S-26-1920-14600-0030 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,992 sqft Living Area |
| Gross Area | 3,707 sqft |
| 1st Floor Area | 2,992 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 19,776 sqft (0.454 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 34 sqft |
| Patio Area | 240 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 6985 GANDY DR |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-8715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOLLEY BY THE SEA LOT 3 BLK 146 AS DES IN OR 2338 PG 813 & OR 3205 PG 1393 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 18 |
| Legal Subdivision | HOLLEY SEA/1ST AMD |
| Legal Block | 146 |
| Legal Lot Number | 3 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 10822 |
6985 Gandy Dr is owned and occupied by an individual who bought it in January 2013.
Source: Santa Rosa County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6985 GANDY DR, NAVARRE, FL 32566-8715 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 3, 2013 · Amount on File |
| Deed Sale | Jan 3, 2013 · Amount on File |
| Prior Sale | Aug 10, 2004 · Amount on File |
| Deed Document Number | 2013409 |
| Deed Book / Page | 3205 / 1393 |
| Prior Transfer Date | Dec 19, 2012 |
| Prior Transfer Doc | 0032051393 |
| Record Updated | Jun 8, 2026 |
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 | $258,711 (+2.9%) | $421,949 (+2.4%) Land $75,000 Building $346,949 | |
| 2024 | $2,653.00 (+2.35%) Homeowner's exemption | $251,420 (+3%) | $412,051 (+3.52%) Land $75,000 Building $337,051 |
| 2023 | $2,592.00 (+2.82%) Homeowner's exemption | $244,097 (+3%) | $398,031 (+9.27%) Land $65,000 Building $333,031 |
| 2022 | $2,521.00 Homeowner's exemption | $236,987 | $364,267 Land $50,000 Building $314,267 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6985 Gandy Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 28.7 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 227 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 227 in force |
| Nearby Flood Claims | 5 (2004–2021) |
| Claims Outside the SFHA | 3 of 5 |
| Most Recent Claim | Oct 2021 · rainfall accumulation |
| 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 6985 Gandy Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 211 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 |
| Verizon Fixed Wireless | 300 / 20 |
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