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7053 Gandy Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 7053 Gandy Dr, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,460 sqft · built 1989
Lot Size0.612 acres (26,659 sqft)
Owner2 Individual Names on Record
Last Sale$260,100 (Mar 2026)
Tax Bill$5,170 (2025)
Deeds & MortgagesMar 2026 Sale & Mortgage
Mar 2026 Transfer
+ 3 more
Flood ZoneZone X (minimal risk)
APN18-2S-26-1920-14900-0020

Property Details

APN / Parcel Number

Primary APN18-2S-26-1920-14900-0020
Alternative APN
  • S262181920149000020

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,460 sqft Living Area
Gross Area4,095 sqft
1st Floor Area2,460 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1989
Exterior MaterialWood
Construction TypeWood
Foundation TypeMasonry
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area26,659 sqft (0.612 acres)
Garage TypeAttached
Garage Area577 sqft
Parking Spaces3 Parking Spaces
PorchFlorida Room
Porch Area410 sqft
Patio Area288 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address7053 GANDY DR
CityNAVARRE
StateFL
Zip32566-8744
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionLOT 2 BLK 149 HOLLEY BY THE SEA AS DES IN OR 4628 PG 612
Legal Range26W
Legal Township2S
Legal Section18
Legal SubdivisionHOLLEY SEA/1ST AMD
Legal Block149
Legal Lot Number2
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group1
Census Block1019
Census Tract10822

Owner

Source: Santa Rosa County records, as of September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address7053 GANDY DR, NAVARRE, FL 32566-8744
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Mar 30, 2026Special Warranty Deed, Transfer · Conventional Mortgage
EVERETT FINANCIAL INC
Mar 30, 2026Quit Claim Deed, Transfer
MAINSTAY TITLE AGENCY LLC
Jun 17, 2025Trustee's Deed, Foreclosure
Oct 26, 2017Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV
Oct 26, 2017Deed of Trust, Mortgage · FHA Mortgage
LIBERTY HM EQUITY SOLUTIONS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 30, 2026 · Amount on Record
Deed SaleMar 30, 2026 · Amount on Record
Prior SaleJun 17, 2025 · Amount on Record
Deed Document Number202615404
Deed Book / Page4725 / 763
Prior Transfer DateAug 7, 2025
Prior Transfer Doc0000015403
Record UpdatedOct 29, 2026

March 2026: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionSANTA ROSA FL
Recording DateMar 30, 2026
Property Address7053 GANDY DR, NAVARRE, FL 32566-8744
Document Number0047250763
Book / Page4725 / 763
Map ReferenceMB B PG 155
Instrument DateJan 8, 2026
Instrument202615404
Transaction TypeTransfer
Record UpdatedApr 27, 2026
Title CompanyMAINSTAY TITLE AGENCY LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,820.70
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address14405 WALTERS RD STE 200, 200, HOUSTON, TX 77014-1345

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address7053 GANDY DR, NAVARRE, FL 32566-8744

Mortgage

Document Number0004725765
DateMar 30, 2026
Instrument4725/765
Lender
NameEVERETT FINANCIAL INC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2056

March 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA ROSA FL
Recording DateMar 30, 2026
Property Address7053 GANDY DR, NAVARRE, FL 32566-8744
Document Number0047250761
Book / Page4725 / 761
Map ReferenceMB B PG 155
Instrument DateAug 7, 2025
Instrument202615403
Transaction TypeTransfer
Record UpdatedApr 27, 2026
Title CompanyMAINSTAY TITLE AGENCY LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address14405 WALTERS RD STE 200, 200, HOUSTON, TX 77014-1345

Transferred To (Grantee/Buyer)

NameVerified Name
Address14405 WALTERS RD STE 200, 200, HOUSTON, TX 77014-1345

June 2025: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionSANTA ROSA FL
Recording DateJun 17, 2025
Property Address7053 GANDY DR, NAVARRE, FL 32566-8744
Document Number0046280612
Book / Page4628 / 612
Instrument DateJun 16, 2025
Instrument202527741
Transaction TypeForeclosure
Record UpdatedMar 27, 2026

Transaction

AmountAmount Recorded
Tax$1,820.70
Amount AccuracyRounded by County
Additional
  • Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1661 WORTHINGTON RD STE 100, 100, WEST PALM BEACH, FL 33409-6493

October 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address7053 GANDY DR, NAVARRE, FL 32566-8744
Document Number0036871309
Book / Page003687 / 001309
Instrument DateOct 26, 2017
Transaction TypeMortgage
Record UpdatedJan 3, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address7053 GANDY DR NAVARRE FL 325668744, NAVARRE, FL 32566-8744

Mortgage

Document Number0036871309
DateDec 18, 2017
Book Page003687/001309
Instrument51988
Lender
NameHUD-HOUSING/URBAN DEV
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term804 Months
DueDec 17, 2084
Interest
Rate TypeAdjustable Rate
Rate4.58%

October 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address7053 GANDY DR, NAVARRE, FL 32566-8744
Document Number0036871294
Book / Page003687 / 001294
Instrument DateOct 26, 2017
Transaction TypeMortgage
Record UpdatedJan 3, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address7053 GANDY DR NAVARRE FL 325668744, NAVARRE, FL 32566-8744

Mortgage

Document Number0036871294
DateDec 18, 2017
Book Page003687/001294
Instrument51987
Lender
NameLIBERTY HM EQUITY SOLUTIONS
TypeFunding / Finance Company
AddressRANCHO CORDOVA, CA 95670
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term804 Months
DueDec 17, 2084
Interest
Rate TypeAdjustable Rate
Rate4.58%

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,170.00 (+3.38%)$430,398 (+3.02%) Land $75,000 Building $355,398$430,398 (+3.02%) Land $75,000 Building $355,398
2024$5,001.00 (+120.11%)$417,785 (+73.35%) Land $75,000 Building $342,785$417,785 (+3.49%) Land $75,000 Building $342,785
2023$2,272.00 (+14.57%) Homeowner's exemption Senior Citizen's exemption$241,011 (+3%)$403,683 (+7.96%) Land $65,000 Building $338,683
2022$1,983.00 Homeowner's exemption Senior Citizen's exemption$233,991$373,934 Land $50,000 Building $323,934

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 227 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies227 in force
Nearby Flood Claims5 (2004–2021)
Claims Outside the SFHA3 of 5
Most Recent ClaimOct 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemHOLLEY-NAVARRE WATER SYSTEM
public/private · serves 47,793 people · EPA ID FL1570349
Water SourceGroundwater
Last State InspectionOct 2025
Lead6 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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