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7144 Reef St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 7144 Reef St, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,728 sqft · built 2006
Lot Size0.326 acres (14,244 sqft)
OwnerTrust Name on File
Last Sale$575,000 (Sep 2024)
Tax Bill$6,362 (2024)
Deeds & MortgagesSep 2023 Sale & Mortgage
Oct 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN02-2S-27-1922-30400-0030

Property Details

APN / Parcel Number

Primary APN02-2S-27-1922-30400-0030

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,728 sqft Heated Area
Gross Area4,637 sqft
1st Floor Area3,452 sqft
FlooringCeramic Tile
Interior WallsCustom/Decorative
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2006
Exterior MaterialBrick
Construction TypeWood
Foundation TypeMasonry
Roof MaterialShingle
Lot Area14,244 sqft (0.326 acres)
Lot Dimensions1,500 ft deep x 950 ft wide
Garage Area724 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area1,079 sqft
Deck Area52 sqft
Patio Area106 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number022S271922304000030
Street Address7144 REEF ST
CityNAVARRE
StateFL
Zip32566-8779
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionLOT 3 BLK 304 HOLLEY BY THE SEA 1ST ADD AS DES IN OR 4541 PG 1094
Legal Range27W
Legal Township02S
Legal Section02
Legal SubdivisionHOLLEY SEA/1ST ADDIT
Legal Block304
Legal Lot Number3
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group1
Census Block1009
Census Tract10822

Owner

7144 Reef St is owner-occupied and held in a trust since September 2024.

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

Owner of RecordTrust Name on File
Co-owner2 Co-owners on File
Mailing Address7144 REEF ST, NAVARRE, FL 32566-8779
OccupancyOwner Occupied
Owner TypeCompany, Secondary Individual
VestingTrust

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

DateDocument
Sep 19, 2023Warranty Deed, Transfer · VA Mortgage
PENTAGON FCU
Oct 5, 2021Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Apr 14, 2021Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names3 Names on Deed
Last SaleSep 12, 2024 · Amount on File
Deed SaleSep 12, 2024 · Amount on File
Prior SaleSep 19, 2023 · Amount on File
Deed Document Number202441325
Deed Book / Page4541 / 1094
Record UpdatedJun 8, 2026

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateSep 19, 2023
Property Address7144 REEF RD, NAVARRE, FL 32566-8779
Document Number0044350679
Book / Page4435 / 679
Map ReferenceMB E PG 15
Instrument DateSep 15, 2023
Instrument202342685
Transaction TypeTransfer
Record UpdatedOct 26, 2023
Title CompanySURETY LAND TITLE/FL LLC, SURETY LAND TITLE OF FL LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,025.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2600 N 12TH AVE, PENSACOLA, FL 32503-4606

Transferred To (Grantee/Buyer)

NameVerified Name
Address7144 REEF RD, NAVARRE, FL 32566-8779

Mortgage

Document Number0004435680
DateSep 19, 2023
Instrument4435/680
Lender
NamePENTAGON FCU
TypeCredit Union
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2053

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address7144 REEF RD, NAVARRE, FL 32566-8779
Transaction TypeMortgage
Record UpdatedNov 8, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0041880564
DateOct 5, 2021
Book Page4188/564
Instrument202166296
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term240 Months
DueOct 1, 2041

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateApr 14, 2021
Property Address7144 REEF RD, NAVARRE, FL 32566-8779
Document Number0041031513
Book / Page4103 / 1513
Map ReferenceMB E PG 15
Instrument DateApr 14, 2021
Instrument202124769
Transaction TypeTransfer
Record UpdatedJun 3, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$3,603.60
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address7144 REEF RD, NAVARRE, FL 32566-8779

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024$6,362.00 (+13.65%) Homeowner's exemption$571,389 (+14.63%) Land $150,000 Building $421,389$571,389 (+5.82%) Land $150,000 Building $421,389
2023$5,598.00 (+2.4%) Homeowner's exemption$498,462 (+3%)$539,954 (+11.57%) Land $110,000 Building $429,954
2022$5,467.00 Homeowner's exemption$483,944$483,944 Land $100,000 Building $383,944

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

Flood

FEMA maps place 7144 Reef St 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
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

Wildfire risk around 7144 Reef St is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 95% of the US · lower than 95% 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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