Santa Rosa County property record for 7038 Summit Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,904 sqft · built 2002 |
| Lot Size | 0.223 acres (9,714 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $317,000 (Sep 2014) |
| Tax Bill | $3,610 (2024) |
| Deeds & Mortgages | Mar 2026 Mortgage Dec 2025 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-2S-27-1922-31600-0020 |
| Primary APN | 02-2S-27-1922-31600-0020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,904 sqft Living Area |
| Gross Area | 3,913 sqft |
| 1st Floor Area | 2,904 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 | Wood Shingle |
| Lot Area | 9,714 sqft (0.223 acres) |
| Lot Dimensions | 137 ft deep x 55 ft wide |
| View / Lot | Golf Course |
| Garage Type | Attached |
| Garage Area | 645 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 364 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 7038 SUMMIT DR |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-8745 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOLLEY BY THE SEA 1ST ADD LOT 2 BLK 316 AS DES IN OR 3373 PG 520 |
| Legal Range | 27W |
| Legal Township | 2S |
| Legal Section | 02 |
| Legal Subdivision | HOLLEY SEA/1ST ADDIT |
| Legal Block | 316 |
| Legal Lot Number | 2 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 10822 |
Source: Santa Rosa County records, as of April 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 7038 SUMMIT DR, NAVARRE, FL 32566-8745 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Mar 27, 2026 | Deed of Trust, Mortgage · VA Mortgage REGIONS BANK |
| Dec 4, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Apr 8, 2021 | Deed of Trust, Mortgage · VA Mortgage FIRST GUARANTY MORTGAGE CORP |
| Dec 13, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2014 · Amount on Record |
| Deed Sale | Sep 19, 2014 · Amount on Record |
| Prior Sale | Apr 26, 2012 · Amount on Record |
| Deed Document Number | 201432680 |
| Deed Book / Page | 3373 / 520 |
| Last Transfer Date | Dec 4, 2025 |
| Transfer Doc | 0046860015 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 7038 SUMMIT DR, NAVARRE, FL 32566-8745 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 7038 SUMMIT DR, NAVARRE, FL 32566-8745 |
| Document Number | 0047242057 |
|---|---|
| Date | Mar 27, 2026 |
| Book Page | 4724/2057 |
| Instrument | 202615241 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Dec 4, 2025 |
| Property Address | 7038 SUMMIT DR, NAVARRE, FL 32566-8745 |
| Document Number | 0046860015 |
| Book / Page | 4686 / 15 |
| Map Reference | MB E PG 15 |
| Instrument Date | Jul 16, 2025 |
| Instrument | 202556810 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7038 SUMMIT DR, NAVARRE, FL 32566-8745 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 7038 SUMMIT DR, NAVARRE, FL 32566-8745 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 7038 SUMMIT DR, NAVARRE, FL 32566-8745 |
| Transaction Type | Mortgage |
| Record Updated | Jun 7, 2021 |
| Name | Verified Name |
|---|---|
| Address | 7038 SUMMIT DR, GULF BREEZE, FL 32566-8745 |
| Document Number | 0041001767 |
|---|---|
| Date | Apr 8, 2021 |
| Book Page | 4100/1767 |
| Instrument | 202123288 |
| Name | FIRST GUARANTY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 7038 SUMMIT DR, NAVARRE, FL 32566-8745 |
| Document Number | 0039030095 |
| Instrument Date | Dec 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2020 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7038 SUMMIT DR NAVARRE FL 325668745, NAVARRE, FL 32566-8745 |
| Document Number | 0039030095 |
|---|---|
| Date | Dec 26, 2019 |
| Book Page | 003903/000095 |
| Instrument | 57905 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 25, 2029 |
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 | $342,650 (+2.9%) | $542,239 (-0.73%) Land $150,000 Building $392,239 | |
| 2024 | $3,610.00 (+2.12%) Homeowner's exemption | $332,993 (+3%) | $546,238 (+6.53%) Land $150,000 Building $396,238 |
| 2023 | $3,535.00 (+2.61%) Homeowner's exemption | $323,294 (+3%) | $512,763 (+11.51%) Land $110,000 Building $402,763 |
| 2022 | $3,445.00 Homeowner's exemption | $313,878 | $459,852 Land $100,000 Building $359,852 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 195 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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