7017 Gandy Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 7017 Gandy Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,571 sqft · built 2002
Lot Size	0.456 acres (19,863 sqft)
Owner	2 Individual Names on File
Last Sale	$267,000 (May 2016)
Tax Bill	$3,075 (2025)
Deeds & Mortgages	Oct 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1920-14600-0080`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1920-14600-0080`
Alternative APN	`S262181920146000080`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,571 sqft Living Area
Gross Area	3,441 sqft
1st Floor Area	2,571 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	19,863 sqft (0.456 acres)
Garage Type	Attached
Garage Area	396 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Patio
Porch Area	166 sqft
Patio Area	210 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	7017 GANDY DR
City	NAVARRE
State	FL
Zip	32566-8717
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLEY BY THE SEA LOT 8 BLK 146 AS DES IN OR 3524 PG 829
Legal Range	26W
Legal Township	2S
Legal Section	18
Legal Subdivision	HOLLEY SEA/1ST AMD
Legal Block	146
Legal Lot Number	8
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1022
Census Tract	10822

Owner

7017 Gandy Dr is owned and occupied by two individuals who bought it in May 2016.

Source: Santa Rosa County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7017 GANDY DR, NAVARRE, FL 32566-8717
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2016 · Amount on File
Deed Sale	May 31, 2016 · Amount on File
Prior Sale	Dec 17, 2002 · Amount on File
Deed Document Number	201620484
Deed Book / Page	3524 / 829
Record Updated	Oct 29, 2026

October 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 5, 2026
Property Address	7017 GANDY DR, NAVARRE, FL 32566-8717
Document Number	0000049892
Book / Page	4795 / 927
Instrument Date	Sep 24, 2026
Instrument	202649892
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7017 GANDY DR, NAVARRE, FL 32566-8717

Mortgage

Document Number	0000049893,
Date	Oct 5, 2026
Instrument	202649893

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 7017 Gandy Dr was $3,075 with a homeowner's exemption, up 3.7% from the year before.

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	$3,075.00 (+3.67%) Homeowner's exemption	$287,202 (+2.9%)	$422,766 (+4.11%) Land $75,000 Building $347,766
2024	$2,966.00 (+2.24%) Homeowner's exemption	$279,108 (+3%)	$406,091 (+3.5%) Land $75,000 Building $331,091
2023	$2,901.00 (+2.69%) Homeowner's exemption	$270,979 (+3%)	$392,366 (+6.77%) Land $65,000 Building $327,366
2022	$2,825.00 Homeowner's exemption	$263,086	$367,479 Land $50,000 Building $317,479

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

Flood

FEMA maps place 7017 Gandy Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 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	Hurricane Sally, Sep 2020 · 3 claims

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

Wildfire risk around 7017 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.

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 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