7108 Reef St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 7108 Reef St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,747 sqft · built 2002
Lot Size	0.314 acres (13,678 sqft)
Owner	Individual Name on File
Last Sale	$520,000 (Oct 2024)
Tax Bill	$6,534 (2024)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-2S-27-1922-30500-0130`

Property Details

APN / Parcel Number

Primary APN	`02-2S-27-1922-30500-0130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,747 sqft Heated Area
Gross Area	3,727 sqft
1st Floor Area	3,295 sqft
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2002
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	13,678 sqft (0.314 acres)
Lot Dimensions	1,650 ft deep x 830 ft wide
Garage Area	548 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	022S271922305000130
Street Address	7108 REEF ST
City	NAVARRE
State	FL
Zip	32566-8779
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLEY BY THE SEA 1ST ADD LOT 13 BLK 305 AS DES IN OR 4282 PG 346
Legal Range	27W
Legal Township	02S
Legal Section	02
Legal Subdivision	HOLLEY SEA/1ST ADDIT
Legal Block	305
Legal Lot Number	13
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1003
Census Tract	10822

Owner

Source: Santa Rosa County records · APN 02-2S-27-1922-30500-0130

Assessment roll updated July 1, 2024 · Last verified November 2025

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

Owner of Record	Individual Name on File
Co-owner	2 Verified Secondary Owners
Mailing Address	7108 REEF ST, NAVARRE, FL 32566-8779
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Sale	Oct 24, 2024 · Amount on Record
Deed Sale	Oct 24, 2024 · Amount on Record
Prior Sale	Sep 27, 2024 · Amount on Record
Deed Document Number	0045551100
Deed Book / Page	4555 / 1100
Record Updated	Jun 08, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 10, 2022
Property Address	7108 REEF RD, NAVARRE, FL 32566-8779
Document Number	0042820346
Book / Page	4282 / 346
Map Reference	MB E PG 15
Instrument Date	May 09, 2022
Instrument	202228402
Transaction Type	Transfer
Record Updated	Jun 06, 2022
Title Company	RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,515.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9587 PAULK RD, 9587, MILTON, FL 32570-9326

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7108 FEEF STREET, NAVARRE, FL 32566

Mortgage

Document Number	0004282348
Date	May 10, 2022
Instrument	4282/348

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated July 1, 2024 · Last verified November 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$6,534.00 (+5.66%)	$552,965 (+7.35%) Land $165,000 Building $387,965	$552,965 (+7.35%) Land $165,000 Building $387,965
2023	$6,184.00 (+15.09%)	$515,081 (+10.93%) Land $121,000 Building $394,081	$515,081 (+10.93%) Land $121,000 Building $394,081
2022	$5,373.00	$464,312	$464,312 Land $110,000 Building $354,312

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 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	Hurricane Sally, Sep 2020 · 3 claims

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Mediacom Communications Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 211 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	HOLLEY-NAVARRE WATER SYSTEM public/private · serves 47,793 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.