Santa Rosa County property record for 7148 Siesta Rd, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,341 sqft · built 1997 |
| Lot Size | 0.648 acres (28,270 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $227,000 (Aug 2011) |
| Tax Bill | $2,425 (2024) |
| Deeds & Mortgages | Dec 2021 Mortgage Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 18-2S-26-1920-16700-0160 |
| Primary APN | 18-2S-26-1920-16700-0160 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,341 sqft Heated Area |
| Gross Area | 3,624 sqft |
| 1st Floor Area | 2,796 sqft |
| Flooring | Carpet |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 28,270 sqft (0.648 acres) |
| Garage Area | 455 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 720 sqft |
| Patio Area | 108 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 182S261920167000160 |
|---|---|
| Street Address | 7148 SIESTA RD |
| City | NAVARRE |
| State | FL |
| Zip | 32566-8653 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOLLEY BY THE SEA LOT 16 BLK 167 AS DES IN OR 3074 PG 166 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 18 |
| Legal Subdivision | BY THE SEA |
| Legal Block | 167 |
| Legal Lot Number | 16 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 10822 |
The current owner of 7148 Siesta Rd bought it in August 2011.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 7148 SIESTA RD, NAVARRE, FL 32566-8653 |
| 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.
| Date | Document |
|---|---|
| Dec 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC |
| Jul 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOWER |
| Jul 10, 2020 | Deed of Trust, Mortgage · Line of Credit LOWER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2011 · Amount on File |
| Deed Sale | Aug 9, 2011 · Amount on File |
| Prior Sale | Jul 11, 2003 · Amount on File |
| Deed Document Number | 201127551 |
| Deed Book / Page | 3074 / 0166 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 7148 SIESTA RD, NAVARRE, FL 32566-8653 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0042151618 |
|---|---|
| Date | Dec 3, 2021 |
| Book Page | 4215/1618 |
| Instrument | 202180278 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21046 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 7148 SIESTA RD, NAVARRE, FL 32566-8653 |
| Document Number | 0039781010 |
| Instrument Date | Jul 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7148 SIESTA RD NAVARRE FL 325668653, NAVARRE, FL 32566-8653 |
| Document Number | 0039781010 |
|---|---|
| Date | Jul 20, 2020 |
| Book Page | 003978/001010 |
| Instrument | 35821 |
| Name | LOWER |
|---|---|
| Address | COLUMBIA, MD 21044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 19, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 7148 SIESTA RD, NAVARRE, FL 32566-8653 |
| Document Number | 0039781023 |
| Instrument Date | Jul 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7148 SIESTA RD NAVARRE FL 325668653, NAVARRE, FL 32566-8653 |
| Document Number | 0039781023 |
|---|---|
| Date | Jul 20, 2020 |
| Book Page | 003978/001023 |
| Instrument | 35822 |
| Name | LOWER |
|---|---|
| Address | COLUMBIA, MD 21044 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 19, 2040 |
| Rate Type | Adjustable Rate |
|---|
Source: Santa Rosa County assessment roll, as of July 1, 2024
| 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 |
|---|---|---|---|
| 2024 | $2,425.00 (+2.45%) Homeowner's exemption | $231,114 (+3%) | $382,711 (+3.65%) Land $75,000 Building $307,711 |
| 2023 | $2,367.00 (+2.87%) Homeowner's exemption | $224,383 (+3%) | $369,246 (+7.39%) Land $65,000 Building $304,246 |
| 2022 | $2,301.00 Homeowner's exemption | $217,848 | $343,832 Land $50,000 Building $293,832 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7148 Siesta Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 30.1 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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 risk around 7148 Siesta Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 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 |
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