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7151 Reef St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 7151 Reef St, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,649 sqft · built 2013
Lot Size0.459 acres (19,994 sqft)
Owner2 Individual Names on File
Last Sale$585,000 (Jun 2023)
Tax Bill$6,153 (2025)
Deeds & MortgagesJun 2023 Sale & Mortgage
Sep 2019 Sale & Mortgage
Flood ZoneZone X (moderate risk)
APN18-2S-26-1920-16500-0140

Property Details

APN / Parcel Number

Primary APN18-2S-26-1920-16500-0140
Alternative APN
  • S262181920165000140

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,649 sqft Living Area
Gross Area3,811 sqft
1st Floor Area2,207 sqft
Upper Floors Area442 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2013
Effective Year BuiltEffective 2013
Exterior MaterialBrick
Construction TypeWood
Foundation TypeSlab (Mat/Raft)
Roof MaterialWood Shingle
Lot Area19,994 sqft (0.459 acres)
Lot Dimensions200 ft deep x 100 ft wide
Garage TypeAttached
Garage Area846 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

PorchFinished/Open Porch
Porch Area316 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address7151 REEF ST
CityNAVARRE
StateFL
Zip32566-8780
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionHOLLEY BY THE SEA LOT 14 BLK 165 AS DES IN OR 4402 PG 15
Legal Range26W
Legal Township2S
Legal Section18
Legal SubdivisionHOLLEY SEA/1ST AMD
Legal Block165
Legal Lot Number14
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group1
Census Block1021
Census Tract10822

Owner

7151 Reef St is owned by two individuals who bought it in June 2023.

Source: Santa Rosa County records, as of October 9, 2026

Owner of Record2 Individual Names on File
Mailing AddressPSC 556 BOX 453, FPO, AP 96386-0005
Owner TypeIndividual

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
Jun 5, 2023Warranty Deed, Transfer · VA Mortgage
TRIDENT HOME LOANS LLC
Sep 6, 2019Warranty Deed, Transfer · VA Mortgage
USAA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 5, 2023 · Amount on File
Deed SaleJun 5, 2023 · Amount on File
Prior SaleSep 6, 2019 · Amount on File
Deed Document Number202324716
Deed Book / Page4402 / 15
Prior Transfer DateApr 1, 2013
Prior Transfer Doc0032342004
Record UpdatedOct 29, 2026

June 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJun 5, 2023
Property Address7151 REEF RD, NAVARRE, FL 32566-8780
Document Number0044020015
Book / Page4402 / 15
Map ReferenceMB B PG 155
Instrument DateMay 2, 2023
Instrument202324716
Transaction TypeTransfer
Record UpdatedJun 28, 2023

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,095.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address282 NOAH DR, FRANKLIN, TN 37064-5766

Transferred To (Grantee/Buyer)

NameVerified Name
Address7151 REEF RD, NAVARRE, FL 32566-8780

Mortgage

Document Number0000440221
DateJun 5, 2023
Instrument4402/21
Lender
NameTRIDENT HOME LOANS LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2053

September 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateSep 6, 2019
Property Address7151 REEF RD, NAVARRE, FL 32566-8780
Document Number0038671023
Book / Page003867 / 001023
Instrument DateSep 3, 2019
Instrument39762
Transaction TypeTransfer
Record UpdatedNov 1, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,625.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address7151 REEF RD NAVARRE FL 325668780, NAVARRE, FL 32566-8780

Mortgage

Document Number38671029
DateSep 6, 2019
Book Page003867/001029
Instrument39765
Lender
NameUSAA
AddressSAN ANTONIO, TX 78288-0544
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueSep 5, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 7151 Reef St was $6,153, up 2,361.2% from the year before.

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$6,153.00 (+2,361.2%)$516,699 (+2.26%) Land $75,000 Building $441,699$516,699 (+2.26%) Land $75,000 Building $441,699
2024$250.00 (-95.71%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$505,294 (+1.56%) Land $75,000 Building $430,294$505,294 (+1.56%) Land $75,000 Building $430,294
2023$5,833.00 (+7.3%)$497,550 (+6.89%) Land $71,250 Building $426,300$497,550 (+6.89%) Land $71,250 Building $426,300
2022$5,436.00$465,463$465,463 Land $66,500 Building $398,963

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

Flood

FEMA maps place 7151 Reef St in Zone X, an area of moderate 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
moderate risk
500-Year FloodplainYes
0.2% annual chance
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 7151 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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