7022 Gandy Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 7022 Gandy Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,599 sqft · built 1992
Lot Size	0.571 acres (24,873 sqft)
Owner	2 Owner Names on File
Last Sale	$180,000 (Oct 2014)
Tax Bill	$1,434 (2024)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1920-14700-0200`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1920-14700-0200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,599 sqft Heated Area
Gross Area	2,168 sqft
1st Floor Area	2,019 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1992
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	24,873 sqft (0.571 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	49 sqft
Patio Area	100 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	182S261920147000200
Street Address	7022 GANDY DR
City	NAVARRE
State	FL
Zip	32566-8716
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLEY BY THE SEA LOT 20 BLK 147 AS DES IN OR 3376 PG 969
Legal Range	26W
Legal Township	02S
Legal Section	18
Legal Subdivision	BY THE SEA
Legal Block	147
Legal Lot Number	20
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1018
Census Tract	10822

Owner

The current owner of 7022 Gandy Dr bought it in October 2014.

Source: Santa Rosa County records, as of October 27, 2025

Owner of Record	2 Owner Names on File
Mailing Address	7022 GANDY DR, NAVARRE, FL 32566-8716
Occupancy	Owner Occupied

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	Oct 1, 2014 · Amount on File
Deed Sale	Oct 1, 2014 · Amount on File
Deed Document Number	201434373
Deed Book / Page	3376 / 0969
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	7022 GANDY DR, NAVARRE, FL 32566-8716
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7022 GANDY DR, NAVARRE, FL 32566-8716

Mortgage

Document Number	0040760301
Date	Feb 23, 2021
Book Page	4076/301
Instrument	202111754

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

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	$1,434.00 (+2.94%) Homeowner's exemption	$150,959 (+3%)	$250,231 (+5.12%) Land $75,000 Building $175,231
2023	$1,393.00 (+3.34%) Homeowner's exemption	$146,562 (+3%)	$238,036 (+10.83%) Land $65,000 Building $173,036
2022	$1,348.00 Homeowner's exemption	$142,293	$214,771 Land $50,000 Building $164,771

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

Flood

FEMA maps place 7022 Gandy Dr in Zone X, an area of minimal flood risk, within 500 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 500 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 7022 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 98% of the US · lower than 97.6% 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